India Shelter Finance Corporation Limited

rs,

February 06, 2025 To, BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001 Scrip Code: 544044 To, National Stock Exchange of India Limited,

36%

time by or on behalf of the Company. 2 9MFY25 Snapshot AUM Rs. Crore 7,619 Employees 3,786 36% YoY Spread 6.1% Gross Stage 3 ROA 1.2% 5.5% Disbursement States Secured Book Net Stage

6.1%

alf of the Company. 2 9MFY25 Snapshot AUM Rs. Crore 7,619 Employees 3,786 36% YoY Spread 6.1% Gross Stage 3 ROA 1.2% 5.5% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore

1.2%

FY25 Snapshot AUM Rs. Crore 7,619 Employees 3,786 36% YoY Spread 6.1% Gross Stage 3 ROA 1.2% 5.5% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 2,422 28% YoY 15 100

5.5%

napshot AUM Rs. Crore 7,619 Employees 3,786 36% YoY Spread 6.1% Gross Stage 3 ROA 1.2% 5.5% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 2,422 28% YoY 15 100% 0.9

28%

tage 3 ROA 1.2% 5.5% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 2,422 28% YoY 15 100% 0.9% 14.7% PAT Rs. Crore 270 Net Worth Rs. Crore 2,595 Branches 265 +5 Br

100%

.2% 5.5% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 2,422 28% YoY 15 100% 0.9% 14.7% PAT Rs. Crore 270 Net Worth Rs. Crore 2,595 Branches 265 +5 Branches QoQ 59

0.9%

.5% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 2,422 28% YoY 15 100% 0.9% 14.7% PAT Rs. Crore 270 Net Worth Rs. Crore 2,595 Branches 265 +5 Branches QoQ 59% YoY

14.7%

isbursement States Secured Book Net Stage 3 ROE Rs. Crore 2,422 28% YoY 15 100% 0.9% 14.7% PAT Rs. Crore 270 Net Worth Rs. Crore 2,595 Branches 265 +5 Branches QoQ 59% YoY In-Ho

59%

0% 0.9% 14.7% PAT Rs. Crore 270 Net Worth Rs. Crore 2,595 Branches 265 +5 Branches QoQ 59% YoY In-House Sourcing 98% Average Ticket Size2 PCR3 CRAR | Leverage Rs. Lakhs 10 LTV1 5

98%

e 270 Net Worth Rs. Crore 2,595 Branches 265 +5 Branches QoQ 59% YoY In-House Sourcing 98% Average Ticket Size2 PCR3 CRAR | Leverage Rs. Lakhs 10 LTV1 52% 25% 60.6% | 2.8 Credit C

52%

% YoY In-House Sourcing 98% Average Ticket Size2 PCR3 CRAR | Leverage Rs. Lakhs 10 LTV1 52% 25% 60.6% | 2.8 Credit Cost Credit Rating4 0.5% AA- Investors and Analysts can download the

“18 tn by FY26 • Mortgage to GDP ratio improved to 12.3% in FY23 from 6.7% in FY10, but it is still lower than that in several other emerging and developed economies 1Reserve Bank of India’s Report of the Committee on the Development of Housing Finance Securitisation Market in Sep’19 13 Robust Growth With Profitability Disbursement (Rs.”

ICRA

2

IND RA

1

CARE

1

India Shelter Nakshatra

1

India Shelter Nav Jeevan

1

India Shelter Nayi Umeed

1

Gender diversity

1

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 260+ Branches AUM crosses Rs. 7,600 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 7 Key Success Factors Curated In-house Processes Enabling Robust Asset Quality across Cycles 4 Extensive, Diversified, Phygital Distribution having Pan India presence 3 5 Professional Management Guided by Board Comprising of Industry Veterans Technology Driven Company with Scalable Model 14-yrs Vintage having Deep Understanding of Customer Segment and Micro-market 2 1 6 7 Strong Focus on Governance Diversified, Robust Liabilities Franchisee 8 Experienced Board with Industry Veterans Chairman Independent Directors Parveen Gupta Ex-MD SBI Rachna Dikshit Ex-Regional Director RBI Savita Mahajan Ex-Dean ISB Thomson Thomas Ex-CIO HDFC Life Nominee Directors Management Sudhin Choksey Ex-MD Gruh Finance 35+ yrs of BFSI experience Nominee Director Sumir Chadha Co-Founder WestBridge Shailesh Mehta Ex-Chairman Providian Rupinder Singh MD & CEO Professionally

India Shelter Nakshatra

Our Educational Initiative Akshaya Patra Foundation (to ensure a nutritious meal for the underprivileged students) Samarthanam Trust for the Disabled (To enhance Government schools in for underprivileged students)

India Shelter Nav Jeevan

Our Healthcare Initiative Impact Guru Foundation (to uplift the underprivileged with better healthcare facilities and livelihood opportunities) Bansi Vidya Memorial Trust (to treat leukemia affected children) our healthcare initiative

India Shelter Nayi Umeed

Our Women Empowerment Initiative Mahesh Foundation (for the construction of the new skill centre for girls & women) Serving the underserved & unserved segment leading to financial inclusion: 73% EWS & LIG 74% 91% Tier II & III 99% Self Employed Women Borrowers ESG Score 38 Focus on Human Capital Employees Employee Development & Well Being We prioritize the development & well-being of our employees, ensuring a healthy and balanced work environment. Here are some initiatives we have implemented: • Prarambh - A Leadership Journey • • Health check-up • Weekly Yoga classes • Fitness Community India Shelter Child Scholarship Program Employee Reward & Recognition: We foster a work culture that inspires and motivates our employees to deliver their best each day. We firmly believe in recognizing and celebrating excellence, creating an environment that promotes healthy competition and rewards outstanding achievements. To achieve this, we have established a robust Reward & Recognition programme t