IndoStar Capital Finance Limited

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ICFL/LS/0127/2023-24 24 January 2024 BSE Limited Listing Department, 1st Floor, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited Exchange Plaza, C

₹ 8,037

lidated) “Your Path To A Better Life” AUM Disbursements NIMs Gross Stage 3 Net Stage 3 CRAR ₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4%

₹ 7,669

To A Better Life” AUM Disbursements NIMs Gross Stage 3 Net Stage 3 CRAR ₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4%

₹ 1,345

ife” AUM Disbursements NIMs Gross Stage 3 Net Stage 3 CRAR ₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23:

₹ 522

nts NIMs Gross Stage 3 Net Stage 3 CRAR ₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total I

rs 5.6

Ms Gross Stage 3 Net Stage 3 CRAR ₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total Income P

6.9%

Net Stage 3 CRAR ₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total Income PAT Branches

5.3%

Stage 3 CRAR ₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total Income PAT Branches ₹ 134.

7.8%

₹ 8,037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total Income PAT Branches ₹ 134.5 crs Q3FY23:

2.4%

037 crs Q3FY23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total Income PAT Branches ₹ 134.5 crs Q3FY23: ₹ 146

3.6%

23: ₹ 7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total Income PAT Branches ₹ 134.5 crs Q3FY23: ₹ 146.3 crs ₹ 16.

30.4%

7,669 crs ₹ 1,345 crs Q3FY23 : ₹ 522 crs 5.6% Q3FY23: 6.9% 5.3% Q3FY23: 7.8% 2.4% Q3FY23: 3.6% 30.4% CRAR Q3FY23: 33.1% Net Total Income PAT Branches ₹ 134.5 crs Q3FY23: ₹ 146.3 crs ₹ 16.9 crs Q

“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”

Household Income

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Key features that reduced processing time

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Instant credit score check

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Investor Presentation on Unaudited Financial Results (Standalone and Consolidated) for the quarter and nine months ended 31 December 2023 Ref.: Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) Dear Sir/ Madam, Pursuant to Regulation 30 of Listing Regulations, please find enclosed Investor Presentation on Unaudited Financial Results (Standalone and Consolidated) of the Company for the quarter and nine months ended 31 December 2023. Request you to kindly take the above on record and disseminate the same on your website. Thanking you, Yours faithfully, For IndoStar Capital Finance Limited Shikha Jain Company Secretary & Compliance Officer (Membership No. A59686) Encl.: a/a IndoStar Capital Finance Limited Registered Office: Silver Utopia, Third Floor, Unit No 301-A, Opposite P & G Plaza, Cardinal Gracious Road, Chakala, Andheri (E), Mumbai - 400099, India. | T +91 22 4315 7000 | contact@in

Instant credit score check

Go / No Go Decision 26 April Dec 2023 Automated bank statement analysis and repayment track record check Straight through processing of disbursement loan to customer bank account Digital credit assessment memo (CAM) prepared by Credit Team with inbuilt approval matrix and viability assessed by micro-market • Impact on turnaround time: Reduction in typical turn-around time per file from 7 days to 2 days ▪ Delivering 65% jump in productivity in 6 months: • Avg. employee productivity scaled from INR 26 L/month in April’23 to INR 43 L/ month within 6 months Sales KRA redesigned with minimum threshold of INR.40 L/ month • 26 IndoStar Home Finance Private Limited Indian Affordable Housing Finance Market Expected To Show Significant Growth “Your Path To A Better Life” Ticket Size (Rs) Players in Indian Mortgage Market Increasing Penetration in LIG & EWS Segments to Drive Growth Affordable Housing Market Comprises of loans with ticket sizes less than Rs 15 Lacs AUM – Rs 5 TN 69% 17.1 3% 0.6 <5

Household Income

Rs 3 Lacs AUM (RS Tn) Market Share Indian Mortgage Market Tier II and Below ~20 Mn Units Affordable Mortgage Market is expected to grow at over 10% in the next 5 years… …with AHFCs gaining market share in overall HFC market over the past few years Rs. 8 Tn 4.0 5.0 7.2 FY27E Mar-18 Mar-20 Dec-21 Rs. 5 Tn FY20 Under Penetratio n in Tier II and Below Market Financed Units Financed Units Financed Units 10 Mn 1,100 Mn / 220 Mn ~5% Significant room to grow Metros and Tier I 10 Mn 230 Mn / 46 Mn ~22% Housing Shortage ▪ In 2022, housing shortage in India was 100 Mn units with LIG & EWS contributing 95% to the same ▪ Incremental housing loan demand from above shortage is Rs 50-6- Tn indicating huge potential for growth Significant Tailwinds In Favour Of Affordable Housing Helping Affordable Housing Finance Companies (‘AHFC’) Gain Market Share Source: CRIF High Mark Report, ICRA, Prospectus of Listed Peers 28 Future Ready to Seize Affordable Housing Market Opportunity “Your Path To A Better Life