India Shelter Finance Corporation Limited

rs,

May 09, 2025 To, BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001 Scrip Code: 544044 To, National Stock Exchange of India Limited,

35%

lf of the Company. 2 FY25 Snapshot AUM Rs. Crore 8,189 Employees Spread Gross Stage 3 ROA 35% YoY 3,818 6.2% 1.0% 5.6% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore

6.2%

. 2 FY25 Snapshot AUM Rs. Crore 8,189 Employees Spread Gross Stage 3 ROA 35% YoY 3,818 6.2% 1.0% 5.6% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,355 27% YoY 1

1.0%

FY25 Snapshot AUM Rs. Crore 8,189 Employees Spread Gross Stage 3 ROA 35% YoY 3,818 6.2% 1.0% 5.6% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,355 27% YoY 15 100

5.6%

napshot AUM Rs. Crore 8,189 Employees Spread Gross Stage 3 ROA 35% YoY 3,818 6.2% 1.0% 5.6% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,355 27% YoY 15 100% 0.8

27%

3,818 6.2% 1.0% 5.6% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,355 27% YoY 15 100% 0.8% 15.1% PAT Rs. Crore 378 Net Worth Rs. Crore 2,709 Branches Average Ti

100%

.0% 5.6% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,355 27% YoY 15 100% 0.8% 15.1% PAT Rs. Crore 378 Net Worth Rs. Crore 2,709 Branches Average Ticket Size2 PCR

0.8%

.6% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,355 27% YoY 15 100% 0.8% 15.1% PAT Rs. Crore 378 Net Worth Rs. Crore 2,709 Branches Average Ticket Size2 PCR3 CRA

15.1%

isbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,355 27% YoY 15 100% 0.8% 15.1% PAT Rs. Crore 378 Net Worth Rs. Crore 2,709 Branches Average Ticket Size2 PCR3 CRAR | Lev

53%

Rs. Crore 378 Net Worth Rs. Crore 2,709 Branches Average Ticket Size2 PCR3 CRAR | Leverage 53% YoY 266 +43 Branches YoY In-House Sourcing 99% Rs. Lakhs 10 LTV1 52% 25% 61% | 2.9 C

99%

Average Ticket Size2 PCR3 CRAR | Leverage 53% YoY 266 +43 Branches YoY In-House Sourcing 99% Rs. Lakhs 10 LTV1 52% 25% 61% | 2.9 Credit Cost Credit Rating4 0.4% AA- Investors and A

52%

CRAR | Leverage 53% YoY 266 +43 Branches YoY In-House Sourcing 99% Rs. Lakhs 10 LTV1 52% 25% 61% | 2.9 Credit Cost Credit Rating4 0.4% AA- Investors and Analysts can download the ex

“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 200+ Branches Quarterly PAT crosses Rs. 100 Crs

CARE

Upgraded to A+ (Positive) 6,084 4,359 Annual PAT crosses Rs. 100 crs Acquires majority stake 3,073 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 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 15-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 Sudhin Choksey Ex-MD Gruh Finance 35+ yrs of BFSI experience Nominee Director Thomson Thomas Ex-CIO HDFC Life Sumir Chadha Nominee Director Co-Founder WestBridge Rupinder Singh MD & CEO 9 Professionally Managed Compa

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) Human Capital Employee Development & Well Being We prioritize the development & well-being of our employees, ensuring a healthy and balanced work environment. 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 that highlights the exceptional contributions of our employees. Here are some key elements of our programme: Employee training & development: 7,397 manhours of training provided in Q4FY25 Employment & labor practice: Multiple policies to create a safe & conducive work environment Employee ownership: 326 employees are covered under ESOP programs –comprising