India Shelter Finance Corporation Limited

rs,

February 24, 2025 To, BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001 Scrip Code: 544044 To, National Stock Exchange of India Limited,

Rs. 10

Pan-India network in 15 states via 265 branches and maintains a granular portfolio with ATS of ~ Rs. 10 Lacs Deep Vintage Founded in 2010, India Shelter has a 15-year vintage that results in deep unders

76%

ss digitized end to end Focus on Underserved Customer Base AUM Split by Borrower Type (Q3FY25) 76% LIG + MIG 70% First Time Mortgage Borrowers 99% Women Applicant 91% Tier II & Tier III

70%

to end Focus on Underserved Customer Base AUM Split by Borrower Type (Q3FY25) 76% LIG + MIG 70% First Time Mortgage Borrowers 99% Women Applicant 91% Tier II & Tier III 74% Self- Emplo

rs 99

tomer Base AUM Split by Borrower Type (Q3FY25) 76% LIG + MIG 70% First Time Mortgage Borrowers 99% Women Applicant 91% Tier II & Tier III 74% Self- Employed 5 Growth Journey AUM (Rs. Cror

91%

rrower Type (Q3FY25) 76% LIG + MIG 70% First Time Mortgage Borrowers 99% Women Applicant 91% Tier II & Tier III 74% Self- Employed 5 Growth Journey AUM (Rs. Crores) 40% CAGR (FY20-FY

74%

LIG + MIG 70% First Time Mortgage Borrowers 99% Women Applicant 91% Tier II & Tier III 74% Self- Employed 5 Growth Journey AUM (Rs. Crores) 40% CAGR (FY20-FY24) Commenced operations

40%

men Applicant 91% Tier II & Tier III 74% Self- Employed 5 Growth Journey AUM (Rs. Crores) 40% CAGR (FY20-FY24) Commenced operations from Rajasthan First Investment by Sequoia ICRA cred

Rs. 100

e) Expanded to 5 states Investment from Presence in 7 States Investment from AUM crosses Rs. 100 crs AUM crosses Rs. 200 crs ICRA: Upgraded to A- (Positive) Opened 1st branch in South AUM

Rs. 200

Investment from Presence in 7 States Investment from AUM crosses Rs. 100 crs AUM crosses Rs. 200 crs ICRA: Upgraded to A- (Positive) Opened 1st branch in South AUM crosses Rs. 500 crs Pre

Rs. 500

rosses Rs. 200 crs ICRA: Upgraded to A- (Positive) Opened 1st branch in South AUM crosses Rs. 500 crs Presence in 8 states 4 21 58 117 228 399 548 801 AUM crosses Rs. 1,000 crs

Rs. 1,000

osses Rs. 500 crs Presence in 8 states 4 21 58 117 228 399 548 801 AUM crosses Rs. 1,000 crs ICRA: Upgraded to A (Stable) 1,178 Presence in 12 states 1,520 Presence in 15 States

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

“Crores) 40% CAGR (FY20-FY24) Commenced operations from Rajasthan First Investment by Sequoia ICRA credit rating of BB+ (stable) Expanded to 5 states Investment from Presence in 7 States Investment from AUM crosses Rs.”

“Budgetary Allocation for PMAY in FY25 13 IPO Commentary vs.”

“Industry (%) 8.8% 8.8% 8.8% 8.8% 8.8% 8.1% 0.7% 8.2% 8.3% 8.3% 8.4% 0.6% 0.5% 0.5% 0.4% Q3 FY24 Q4 FY24 Q1 FY25 Q2 FY25 Q3 FY25 11.0% 9.0% 7.0% 5.0% 3.0% 1.0% -1.0% -3.0% FY20 FY21 FY22 FY23 FY24 9MFY25 SBI 1 yr MCLR Spread ISFC ISFC Industry Average Gap 37 Consistent Growth in DA Volumes & Scaling up Co-Lending DA Volumes (Rs.”

ICRA

2

Schedule of the Event is as follows

1

IND RA

1

CARE

1

Schedule of the Event is as follows

Sr.No Day, Date and Time 1 From 10:30 AM Event Participants Location Mumbai Institutional Investors & Sell Side Analysts India Shelter Finance Corporation Limited Investor & Analyst Day 2025 Mode of Meeting In Person (invite only) Meeting type Group The above information shall also be made available on the Company's website at https://www.indiashelter.in/investor-relations Request you to take the above information on records. Thanking you, Yours faithfully, For India Shelter Finance Corporation Limited Mukti Chaplot Company Secretary and Compliance Officer Mem. No. 38326 India Shelter Finance Corporation Limited Registered office – 6th Floor, Plot No 15, Institutional Area, Sector 44, Gurgaon, Haryana-122002 CIN: L65922HR1998PLC042782, Phone No +91-124-4131800 E-mail: customer.care@indiashelter.in, Website: www.indiashelter.in Investor Presentation Investor & Analyst Day February 24th, 2025 India Shelter Finance Corporation Limited Safe Harbor This presentation and the accompanying sli

ICRA

Upgraded to A- (Positive) Opened 1st branch in South AUM crosses Rs. 500 crs Presence in 8 states 4 21 58 117 228 399 548 801 AUM crosses Rs. 1,000 crs

ICRA

Upgraded to A (Stable) 1,178 Presence in 12 states 1,520 Presence in 15 States Crossed 100 Branches 2,199 Crossed 250+ Branches AUM crosses Rs. 7,500 crs 7,619 AUM crosses Rs. 6,000 Crs

CARE

Upgraded to A+ (Positive) Listed on BSE, NSE 6,084 4,359 3,073 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 Q3FY25 6 9MFY25 Snapshot AUM Rs. Crore 7,619 36% YoY Disbursement Rs. Crore 2,422 28% YoY 59% YoY PAT Rs. Crore 270 Net Worth Rs. Crore 2,595 Employees 3,786 States 15 Branches 265 Gross & Net Stage 3 1.2% | 0.9% LTV1 52% ROA & RoE +5 Branches QoQ 5.5% | 14.7% Average Ticket Size2 Credit Rating3 Rs. Lakhs 10 AA- 1 – On AUM | 2 – On disbursement | 3 – CARE Rating (AA- Stable), ICRA (AA- Stable), IND RA (AA- Stable) 7 Transformational Growth With Focus On Fundamentals AUM (Rs. Crs) Disbursements (Rs. Crs) 1,520 FY20 2,199 FY21 PAT (Rs. Cr) 3,073 4,359 6,084 7,619 551 895 1,295 1,964 2,646 1,899 2,422 FY22 FY23 FY24 9MFY25 FY20 FY21 FY22 FY23 FY24 9MFY24 9MFY25 47 87 128 155 248 170 270 FY20 FY21 FY22 FY23 FY24 9MFY24 9MFY25 RoA & RoE (%) 9.8% 12.8% 13.4% 14.0% 14.7% 5.7% 3.0% FY20 4.1% 4.5% 4.1% 4.9% 5.5% FY21 FY22 FY23 FY24 9MFY25 8 Experienced Board with