Investor Presentaiton

Glossary IndiaShelter Home Loans Terms AUM Disbursements Average Total Asset Average Networth Gross Stage 3 Net Stage 3 Net Stage 3 (%) Opex/AUM Cost to Income (%) Operating Expenses Finance Cost DPD 30+ Explanation AUM represents the aggregate of future principal outstanding and overdue principal outstanding, if any, for all loan assets under management which includes (i) loan assets held by us as of the last day of the relevant period/year (ii) loan assets which have been transferred by us by way of securitization or direct assignments and are outstanding as of the last day of the relevant period/year, and excludes the partner's share of loan assets originated and assigned under co-lending arrangements with the partner banks as of the last day of the relevant period/year. Disbursements represents the aggregate of all loan amounts extended to our customers including partner's share of loan assets originated and assigned under co-lending arrangement in the relevant period/year Average Total Asset represents simple average of total assets outstanding at the beginning and end of the relevant period/year Average Networth represents simple average of Networth at the beginning and end of the relevant period/year Stage 3 Assets (Gross) represents gross carrying amount pertaining to loans which are non-performing assets (NPA) as per the Income Recognition, Asset Classification and Provisioning Norms issued and modified by RBI Stage 3 Assets (Net) represents Stage 3 Assets (Gross) less impairment loss allowance for Stage 3 Assets as of the last day of the relevant period/year. Net Stage 3 (%) represents Net Stage 3 assets divided by aggregate of Stage 1, 2, 3 assets net off total ECL provision. Operating Expenses to Average AUM represents operating expenses for the relevant period/year upon the simple average of AUM as of the last day of the relevant period/year and AUM as of the last day of the previous year, represented as a percentage Cost to Income represents Operating Expenses divided by Net Total Income Operating Expenses represents the aggregate of employee benefits expense, depreciation and amortization expense, interest expense on lease liability for the relevant period/year Finance Cost represents the aggregate finance cost for relevant period/year excluding interest expense on lease liability DPD 30+ represents AUM outstanding for more than 30 days after the due date for the relevant year or period as a percentage of AUM as of the last day of the relevant year Collection Efficiency Total amount of EMIS received in the month (including arrears of previous months)/Total amount of EMIs due for the month Leverage Leverage represents the ratio of Average Total Assets to Average Net Worth for the relevant period 42

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