Home First Finance Company India Limited

rs,

E/NSE/EQ/138/2022-23 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 Date: 24-01-2023 To, The National Stock Exch

₹ 67,512

mmary y-o-y q-o-q Assets Under Management (AUM) (1) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 67,512 Mn ₹7,804 Mn +35.2% +7.6% +37.0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1

₹7,804

q-o-q Assets Under Management (AUM) (1) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 67,512 Mn ₹7,804 Mn +35.2% +7.6% +37.0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior t

35.2%

ts Under Management (AUM) (1) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 67,512 Mn ₹7,804 Mn +35.2% +7.6% +37.0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior to such cla

7.6%

Management (AUM) (1) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 67,512 Mn ₹7,804 Mn +35.2% +7.6% +37.0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classifica

37.0%

ment (AUM) (1) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 67,512 Mn ₹7,804 Mn +35.2% +7.6% +37.0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification -80

11.1%

M) (1) Disbursement Gross Stage 3 / POS (GNPA %) ₹ 67,512 Mn ₹7,804 Mn +35.2% +7.6% +37.0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification -80 bps -10

1.1%

Mn ₹7,804 Mn +35.2% +7.6% +37.0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification -80 bps -10 bps Spread(3) 5.7% Cost to Income 35.3% DPD 30+ / POS

80 bps

0% +11.1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification -80 bps -10 bps Spread(3) 5.7% Cost to Income 35.3% DPD 30+ / POS % 3.0 +10 bps -10 bps +230 bps

10 bps

1% 1.8(2) In line with RBI circular dated 12 Nov 2021 1.1% prior to such classification -80 bps -10 bps Spread(3) 5.7% Cost to Income 35.3% DPD 30+ / POS % 3.0 +10 bps -10 bps +230 bps -210 bps

5.7%

with RBI circular dated 12 Nov 2021 1.1% prior to such classification -80 bps -10 bps Spread(3) 5.7% Cost to Income 35.3% DPD 30+ / POS % 3.0 +10 bps -10 bps +230 bps -210 bps -170 bps -30 b

35.3%

ed 12 Nov 2021 1.1% prior to such classification -80 bps -10 bps Spread(3) 5.7% Cost to Income 35.3% DPD 30+ / POS % 3.0 +10 bps -10 bps +230 bps -210 bps -170 bps -30 bps Opex to Assets 2.8

“Investor Presentation – Q3 FY23 Google rating of Homefirst Google rating of Homefirst Google rating of Homefirst Customer App 4.1 As of 20 Jan’23 18 Connect App 4.6 RM Pro App 4.7 As of 20 Jan’23 As of 20 Jan’23 Progress on Social Development Responsibility towards community Responsibility towards employees Project “Sashakt”, an initiative by HomeFirst to bring an all- around improvement in the social, health and economic status of migrant factory workers living in Narol (Ahmedabad).”

“500 new families were added under this project in this quarter, taking the total to 1,500+ Beneficiary families now.”

Ratings

1

Link

1

Ratings

Assigned Long Term Credit Facilities Rating AA- Stable 53,803 AUM AUM We got listed W arburg 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 – Q3 FY23 2017 2018 201

Link

respond https://homefirstindia.com/policy/complaints-grievances/ complaints. customer to • Funds raised from IFC to finance affordable housing and green housing. HomeFirst raised Rs 280 crores from International Finance Corp (IFC) through up to 7-year debt. Link • Funds approved from DFC to support women borrowers for financing affordable housing. U.S. International Development Finance Corporation (DFC) Board of Directors approved a $75 million loan to HomeFirst to support affordable housing mortgage loans to women low-income borrowers. Link ESG Risk Rating - Amongst best in the BFSI Industry in India • MorningStar Sustainalytics rated HomeFirst an ESG Risk Rating of 16.2 with Low Risk and Strong rating for ESG Risk Management. Link • The company published first ever Sustainability Report for the year FY21-22 as part of its Integrated Annual Report. Link: https://homefirstindia.com/files/Sustainability%20Report_HomeFirst_FY22.pdf. • The Company received a Certificate of Merit in PMAY E