Home First Finance Company India Limited

rs,

Date: 03-05-2022 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 To, The National Stock Exchange of India Limit

₹53,803

xecutive Summary | FY22 Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500

₹20,305

mary | FY22 Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In lin

2.3%

Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with R

29.9%

der Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with RBI circular

5.6%

M) Disbursement Gross Stage 3 / POS (GNPA %) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with RBI circular dated 12 Nov 202

60 bps

bursement Gross Stage 3 / POS (GNPA %) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with RBI circular dated 12 Nov 2021 1.3% p

85.2%

s Stage 3 / POS (GNPA %) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with RBI circular dated 12 Nov 2021 1.3% prior to such c

34.0%

) ₹53,803 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with RBI circular dated 12 Nov 2021 1.3% prior to such classification +8.2% O

500 bps

03 Mn ₹20,305 Mn 2.3%(1) +29.9% Spread(2) 5.6% +60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with RBI circular dated 12 Nov 2021 1.3% prior to such classification +8.2% Opex to Ass

1.3%

60 bps PPOP +85.2% Cost to Income 34.0% -500 bps In line with RBI circular dated 12 Nov 2021 1.3% prior to such classification +8.2% Opex to Assets 2.7% 0 bps Profit After Tax (PAT) (3) Retu

8.2%

34.0% -500 bps In line with RBI circular dated 12 Nov 2021 1.3% prior to such classification +8.2% Opex to Assets 2.7% 0 bps Profit After Tax (PAT) (3) Return On Assets (ROA) (3) ₹2,513 Mn

“Investor Presentation – Q4 FY22 4.2 As of 17 Apr’22 19 4.6 4.7 As of 17 Apr’22 As of 17 Apr’22 Responsibility towards community Responsibility towards employees Responsibility towards customers Progress on Social Development Project “Sashakt”, an initiative by HomeFirst to empower the households to uplift these households and bring an all- around improvement in their social, economic, and health of migrant factory workers living in Narol (Ahmedabad).”

IndiaRatings

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Link

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We have a code of conduct for our connectors

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IndiaRatings

Assigned AA- Stable We got listed AA- Warburg Pincus invested in the company (2) ICRA: Rating Outlook improved to A+ Positive 60,000+ sanctions AuM crosses ₹35 bn. A+ 53,803 30,000+ customers 36,183 24,436 41,411 AUM 2014 2015 2016 2017 2018 2019 2020 2021 2022 Early Days and Proof of Concept Consolidation Scaling Up Note: AUM in INR Million (1)Aether has co-invested with True North. Waverly owns 100% of Aether Class B Shares. Waverly is a wholly-owned indirect subsidiary of GIC (Ventures) Pte. Ltd (2) Investment by Orange Clove Investments B.V (an affiliate of Warburg Pincus). Warburg Invested on 1st October 2020 06 Investor Presentation – Q4 FY22 Share Holding as on 29 Apr’22 PROMOTER & PROMOTER GROUP % Holding 12.0% 20.2% 10.5% 7.3% 7.8% No. of Shareholders 61,461 TRUE NORTH FUND V LLP AETHER (MAURITIUS) LIMITED (GIC)^ ORANGE CLOVE INVESTMENTS B.V (WARBURG PINCUS) BESSEMER INDIA CAPITAL HOLDINGS II LTD TRUE NORTH FUND V LLP AETHER (MAURITIUS) LIMITED (GIC)^ KEY INVESTORS ORANGE CLOVE

Link

https://homefirstindia.com/policy/complaints-grievances/ complaints. customer to Investor Presentation – Q4 FY22 20 Work Sustainably & Ethically Governance at core Strong Governance Structure Sustainable Finance We promote Financial Inclusion. We have customers belonging to EWS and LIG categories which account for more than 75% of our book size. Overall, ~90% loans have woman as borrower • Primary applicant in 19% of AUM + • Atleast 1 woman co-borrower in 72% of AUM. Code of Conduct and Business Ethics Company has Code of Conduct for its employees which has operational guidelines.

We have a code of conduct for our connectors

https://homefirstindia.com/policy/code-of-conduct-for- connector/ Continuous training and communication on Whistle Blower and POSH (Prevention of Sexual Harassment). Corporate Governance Separate Chairman & Managing Director position • Core competencies of Independent Directors directly relevant to company’s operations. • Diverse Board, Senior management and employee base. • Stable senior management team. ethical, transparent The Company has also adopted the following policies to ensure and accountable conduct: i. Customer Grievance Policy (Link) ii. Code of Conduct for the Directors and Employees (Link) iii. Fair Practice Code (Link) iv. Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information (Link) v. Policy on Prevention of Sexual harassment Policy (Link) vi. Vigil Mechanism and Whistle blower (Link) vii. Know Your Customer (KYC) and Anti Money Laundering Measures Policy (Link) viii. Internal Guidelines on Corporate Governance (Link) Experienc