Home First Finance Company India Limited

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SE/NSE/EQ/62/2022-23 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 Date: 27-07-2022 To, The National Stock Exc

₹ 58,319

e Summary y-o-y q-o-q Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 58,319 Mn ₹6,612 Mn +35.8% +8.4% +117.0% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1

₹6,612

o-y q-o-q Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 58,319 Mn ₹6,612 Mn +35.8% +8.4% +117.0% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1.2% prior t

35.8%

Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 58,319 Mn ₹6,612 Mn +35.8% +8.4% +117.0% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1.2% prior to such cla

8.4%

nder Management (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 58,319 Mn ₹6,612 Mn +35.8% +8.4% +117.0% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1.2% prior to such classifica

117.0%

nagement (AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 58,319 Mn ₹6,612 Mn +35.8% +8.4% +117.0% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1.2% prior to such classification - 2

3.1%

(AUM) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 58,319 Mn ₹6,612 Mn +35.8% +8.4% +117.0% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1.2% prior to such classification - 20 bps

1.2%

Mn ₹6,612 Mn +35.8% +8.4% +117.0% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1.2% prior to such classification - 20 bps Spread(2) 5.8% Cost to Income 35.8% Opex to Assets 2.9

20 bps

% +3.1% 2.1(1) In line with RBI circular dated 12 Nov 2021 1.2% prior to such classification - 20 bps Spread(2) 5.8% Cost to Income 35.8% Opex to Assets 2.9% +20 bps +20 bps +390 bps +10 bps

5.8%

n line with RBI circular dated 12 Nov 2021 1.2% prior to such classification - 20 bps Spread(2) 5.8% Cost to Income 35.8% Opex to Assets 2.9% +20 bps +20 bps +390 bps +10 bps +40 bps -10 bps

2.9%

.2% prior to such classification - 20 bps Spread(2) 5.8% Cost to Income 35.8% Opex to Assets 2.9% +20 bps +20 bps +390 bps +10 bps +40 bps -10 bps PPOP ₹699 Mn Profit After Tax (PAT) (3)

390 bps

ication - 20 bps Spread(2) 5.8% Cost to Income 35.8% Opex to Assets 2.9% +20 bps +20 bps +390 bps +10 bps +40 bps -10 bps PPOP ₹699 Mn Profit After Tax (PAT) (3) ₹512 Mn Return On Assets (

Ratings

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Link

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Ratings

Assigned Long Term Credit Facilities Rating AA- Stable 53,803 AUM AUM We got listed Warburg Pincus invested in the company (2) 60,000+ sanctions 41,411 AUM crosses ₹35 bn. 36,183 Series A Started Operations in Gujarat and Tamil Nadu Incorporation 20 2010 2011 200 2012 Series B Alpha TC Holdings Private Limited 1,000 customers 690 2013 Became Profitable 1,629 5,000 customers 3,368 2014 2015 10,000 Customers Spread across 25+ cities 5,477 2016 Series C True North acquires majority stake GIC Co-investment with True North(1) 8,473 30,000+ customers 24,436 Net worth crosses ₹5,000 Mn. 13,559 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 05 Investor Presentation – Q1 FY23 2017 2018 2019

Link

respond https://homefirstindia.com/policy/complaints-grievances/ complaints. customer to Investor Presentation – Q1 FY23 20 HomeFirst receiving the 'Certificate of Merit' from Jury Members – 'PMAY Empowering India Awards 2022'. Strong Governance Structure Work Sustainably & Ethically Governance at core 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 18% of AUM + • Atleast 1 woman co-borrower in 73% 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 • Core competencies of Independent Directors directly releva