Home First Finance Company India Limited

rs,

-26 Date: 26-08-2025 To, BSE Limited, Department of Corporate Services, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001. Scrip Code- 543259 To, The National Stock Exchange of India Limite

INR 85

Affordable Housing Finance Industry This presentation assumes a fixed exchange rate of 1 USD = INR 85 Large Opportunity in Affordable Housing Finance ($ 6-30k Ticket Size) Affordable Housing Finance –

15.5%

ffordable Housing Finance – History Topic Affordable Housing Finance – Future (in 2030) CAGR of 15.5% in overall Housing Finance (FY15-FY25) Housing Finance Sector Growth Expected CAGR of 10-12% as

12%

15.5% in overall Housing Finance (FY15-FY25) Housing Finance Sector Growth Expected CAGR of 10-12% as per India Ratings CAGR of 10.1% in Affordable Housing (FY15-FY25). AHF Sector Growth Expec

10.1%

(FY15-FY25) Housing Finance Sector Growth Expected CAGR of 10-12% as per India Ratings CAGR of 10.1% in Affordable Housing (FY15-FY25). AHF Sector Growth Expected CAGR of ~12% Affordable Housing

10%

250 bn Demand of ~2mn units per year Unit volume per year Unit volume expected to increase by 9-10% with 3-4% increase in ticket size Source: Experian data for housing loans $6-30k ticket size; #Cu

4%

nd of ~2mn units per year Unit volume per year Unit volume expected to increase by 9-10% with 3-4% increase in ticket size Source: Experian data for housing loans $6-30k ticket size; #Current run r

30%

ing Finance Industry by Ticket Size ▪ Affordable housing finance (AHF) ($ 6-30k ticket size) forms 30% by value, of the Indian housing industry ▪ However, AHF contributes more than half by volume, enabl

12.7%

model. Ticket Size-wise Portfolio Mix: Volume Terms Ticket Size-wise Portfolio Mix: Value Terms 12.7% CAGR (FY19-FY25) 14.5 10.0 4% 3% 10% 14.7 1.3 5% 3% 11% 15.9 16.1 8.4 5% 3% 12% 1.1

3%

Volume Terms Ticket Size-wise Portfolio Mix: Value Terms 12.7% CAGR (FY19-FY25) 14.5 10.0 4% 3% 10% 14.7 1.3 5% 3% 11% 15.9 16.1 8.4 5% 3% 12% 1.1 6% 4% 13% 17.9 11.3 7% 4% 14%

5%

t Size-wise Portfolio Mix: Value Terms 12.7% CAGR (FY19-FY25) 14.5 10.0 4% 3% 10% 14.7 1.3 5% 3% 11% 15.9 16.1 8.4 5% 3% 12% 1.1 6% 4% 13% 17.9 11.3 7% 4% 14% 19.8 10.4 8% 5%

11%

wise Portfolio Mix: Value Terms 12.7% CAGR (FY19-FY25) 14.5 10.0 4% 3% 10% 14.7 1.3 5% 3% 11% 15.9 16.1 8.4 5% 3% 12% 1.1 6% 4% 13% 17.9 11.3 7% 4% 14% 19.8 10.4 8% 5% 15% 21.