IndoStar Capital Finance Limited

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ICFL/LS/157/2023-24 27 October 2023 BSE Limited Listing Department, 1st Floor, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited Exchange Plaza, C

₹ 7,726

24 “Your Path To A Better Life” AUM Disbursements Gross Stage 3 Net Stage 3 CRAR * Branches ₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8

₹ 7,908

etter Life” AUM Disbursements Gross Stage 3 Net Stage 3 CRAR * Branches ₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1%

₹ 1,269

AUM Disbursements Gross Stage 3 Net Stage 3 CRAR * Branches ₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branche

₹ 334

ross Stage 3 Net Stage 3 CRAR * Branches ₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * S

rs 6.7

age 3 Net Stage 3 CRAR * Branches ₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * Standalon

7.1%

3 CRAR * Branches ₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * Standalone Net Total I

3.3%

R * Branches ₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * Standalone Net Total Income

2.9%

₹ 7,726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * Standalone Net Total Income PAT NIMs ₹

32.8%

726 crs Q2FY23: ₹ 7,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * Standalone Net Total Income PAT NIMs ₹ 148 cr

34.1%

,908 crs ₹ 1,269 crs Q2FY23 : ₹ 334 crs 6.7% Q2FY23: 7.1% 3.3% Q2FY23: 2.9% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * Standalone Net Total Income PAT NIMs ₹ 148 crs ₹ 25 crs Q2FY23:

₹ 148

% 32.8% CRAR Q2FY23: 34.1% 476 Branches Q2FY23: 424 * Standalone Net Total Income PAT NIMs ₹ 148 crs ₹ 25 crs Q2FY23: ₹ 148 crs Q2FY23: ₹ 52 crs 6.7% Q2FY23: 6.0% 3 IndoStar 2.0 “go-to” NBF

“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

2

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1

Sector Lending

1

Sub.

Investor Presentation on Unaudited Financial Results (Standalone and Consolidated) for the quarter and half year ended 30 September 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 half year ended 30 September 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: Unit No. 505, 5th Floor, Wing 2/E, Corporate Avenue, Andheri - Ghatkopar Link Road, Chakala, Andheri (East), Mumbai – 400099, India. | T +91 22 4315 7000 | contact@indost

Sector Lending

• Agriculture • Micro, Small & Medium Enterprises (MSME) • Export Credit • Housing loans of up to Rs. 35 lakh, for dwellings costing less than Rs. 45 lakh, are treated as priority sector lending (PSL) What is the RBI guideline for Banks around PSL? 1) Domestic commercial banks (excl. RRBs & SFBs) & foreign banks with 20 branches and above: 40% of • Adjusted Net Bank Credit (ANBC) or • Credit Equivalent of Off-Balance Sheet Exposure (CEOBE) 2) Small Finance Banks (SFB) 75% of ANBC as computed in para 6 below or CEOBE whichever is higher What is the qualifier to get an IndoStar loan tagged as PSL? Across the IndoStar portfolio, here are the criteria that is used to tag loans as PSL • CV: Udyam* (MSME) Registration • SME: Udyam* (MSME) Registration • Housing: All loans for housing units <45 Lakhs What is the advantage to IndoStar? 1) Given the RBI directive to banks to meet 40% of ANBC and 75% for SFBs as PSL, there is a clear market for high quality PSL books 2) It is in IndoStar’s inter

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 27 Future Ready to Seize Affordable Housing Market Opportunity “Your Path To A Better Life