IndoStar Capital Finance Limited

rs,

ICFL/LS/0225/2024-25 January 20, 2025 BSE Limited Listing Department, 1st Floor, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited Exchange Plaza, C

INR 1,976

ons and completed NCD public issue to maintain a healthy cash position including undrawn lines of INR 1,976 Cr. on Dec 31, 2024. o Bank funding as a percentage of overall funding showing increasing trend

₹ 10,625

mize risk Being agile and future-ready 4 Key Performance Highlights – Q3FY25 Consolidated AUM ₹ 10,625 crs Q3FY24: ₹ 8,037 crs Disbursements ₹ 1,572 crs Q3FY24 : ₹ 1,345 crs PAT ₹ 27.7 crs Q3FY24: ₹

₹ 8,037

e and future-ready 4 Key Performance Highlights – Q3FY25 Consolidated AUM ₹ 10,625 crs Q3FY24: ₹ 8,037 crs Disbursements ₹ 1,572 crs Q3FY24 : ₹ 1,345 crs PAT ₹ 27.7 crs Q3FY24: ₹ 16.9 crs Branches

₹ 1,572

erformance Highlights – Q3FY25 Consolidated AUM ₹ 10,625 crs Q3FY24: ₹ 8,037 crs Disbursements ₹ 1,572 crs Q3FY24 : ₹ 1,345 crs PAT ₹ 27.7 crs Q3FY24: ₹ 16.9 crs Branches 570 Branches Q3FY24: 493 H

₹ 1,345

– Q3FY25 Consolidated AUM ₹ 10,625 crs Q3FY24: ₹ 8,037 crs Disbursements ₹ 1,572 crs Q3FY24 : ₹ 1,345 crs PAT ₹ 27.7 crs Q3FY24: ₹ 16.9 crs Branches 570 Branches Q3FY24: 493 Human Capital 5,524 Q

₹ 27.7

dated AUM ₹ 10,625 crs Q3FY24: ₹ 8,037 crs Disbursements ₹ 1,572 crs Q3FY24 : ₹ 1,345 crs PAT ₹ 27.7 crs Q3FY24: ₹ 16.9 crs Branches 570 Branches Q3FY24: 493 Human Capital 5,524 Q3FY24 : 3,697 5

₹ 16.9

5 crs Q3FY24: ₹ 8,037 crs Disbursements ₹ 1,572 crs Q3FY24 : ₹ 1,345 crs PAT ₹ 27.7 crs Q3FY24: ₹ 16.9 crs Branches 570 Branches Q3FY24: 493 Human Capital 5,524 Q3FY24 : 3,697 5 Focused on retail,

26%

s)* Retailisation Strategy Playing Out 10,150 8,998 9,658 7,813 8,763 9,565 10,112 10,625 26% 2,930 (29%) 1,746 (17%) 832 (8%) 1,932 (22%) 1,849 (21%) 996 (11%) 1,543 (16%) 1,776 (18%)

29%

sation Strategy Playing Out 10,150 8,998 9,658 7,813 8,763 9,565 10,112 10,625 26% 2,930 (29%) 1,746 (17%) 832 (8%) 1,932 (22%) 1,849 (21%) 996 (11%) 1,543 (16%) 1,776 (18%) 1,406 (15%)

17%

gy Playing Out 10,150 8,998 9,658 7,813 8,763 9,565 10,112 10,625 26% 2,930 (29%) 1,746 (17%) 832 (8%) 1,932 (22%) 1,849 (21%) 996 (11%) 1,543 (16%) 1,776 (18%) 1,406 (15%) 1,200 (15%)

8%

Out 10,150 8,998 9,658 7,813 8,763 9,565 10,112 10,625 26% 2,930 (29%) 1,746 (17%) 832 (8%) 1,932 (22%) 1,849 (21%) 996 (11%) 1,543 (16%) 1,776 (18%) 1,406 (15%) 1,200 (15%) 1,293 (1

“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

Sub.

Investor Presentation on Unaudited Financial Results (Standalone and Consolidated) for the quarter and nine months ended December 31, 2024 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 December 31, 2024. 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@

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 22 Future Ready to Seize Affordable Housing Market Opportunity Standalone Management Team