India Shelter Finance Corporation Limited

rs,

November 04, 2025 Jeejeebhoy Towers, Dalal To, BSE Limited, Phiroze Street, Mumbai- 400001 Scrip Code: 544044 ISIN: INE922K01024

31%

of the Company. 2 H1FY26 Snapshot AUM Rs. Crore 9,252 Employees Spread Gross Stage 3 ROA 31% YoY 4,276 6.4% +30 bps YoY 1.2% 5.9% Disbursement States Secured Book Net Stage 3 ROE

6.4%

2 H1FY26 Snapshot AUM Rs. Crore 9,252 Employees Spread Gross Stage 3 ROA 31% YoY 4,276 6.4% +30 bps YoY 1.2% 5.9% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 1,81

30 bps

Y26 Snapshot AUM Rs. Crore 9,252 Employees Spread Gross Stage 3 ROA 31% YoY 4,276 6.4% +30 bps YoY 1.2% 5.9% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 1,817 PAT R

1.2%

AUM Rs. Crore 9,252 Employees Spread Gross Stage 3 ROA 31% YoY 4,276 6.4% +30 bps YoY 1.2% 5.9% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 1,817 PAT Rs. Crore 2

5.9%

Rs. Crore 9,252 Employees Spread Gross Stage 3 ROA 31% YoY 4,276 6.4% +30 bps YoY 1.2% 5.9% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 1,817 PAT Rs. Crore 241 Ne

18%

cured Book Net Stage 3 ROE Rs. Crore 1,817 PAT Rs. Crore 241 Net Worth Rs. Crore 2,915 18% YoY 15 100% 0.9% 17.2% Branches 299 +9 Branches QoQ 39% YoY In-House Sourcing 99% Av

100%

t Stage 3 ROE Rs. Crore 1,817 PAT Rs. Crore 241 Net Worth Rs. Crore 2,915 18% YoY 15 100% 0.9% 17.2% Branches 299 +9 Branches QoQ 39% YoY In-House Sourcing 99% Average Ticket Si

0.9%

e 3 ROE Rs. Crore 1,817 PAT Rs. Crore 241 Net Worth Rs. Crore 2,915 18% YoY 15 100% 0.9% 17.2% Branches 299 +9 Branches QoQ 39% YoY In-House Sourcing 99% Average Ticket Size2 P

17.2%

ROE Rs. Crore 1,817 PAT Rs. Crore 241 Net Worth Rs. Crore 2,915 18% YoY 15 100% 0.9% 17.2% Branches 299 +9 Branches QoQ 39% YoY In-House Sourcing 99% Average Ticket Size2 PCR3 CR

39%

241 Net Worth Rs. Crore 2,915 18% YoY 15 100% 0.9% 17.2% Branches 299 +9 Branches QoQ 39% YoY In-House Sourcing 99% Average Ticket Size2 PCR3 CRAR | Leverage Rs. Lakhs 10 LTV1 5

99%

15 18% YoY 15 100% 0.9% 17.2% Branches 299 +9 Branches QoQ 39% YoY In-House Sourcing 99% Average Ticket Size2 PCR3 CRAR | Leverage Rs. Lakhs 10 LTV1 52% 25% 57.1% | 2.9 Credit C

“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.”

“Employee training & development: 15,064 manhours of training provided in Q2FY26 Employment & labor practice: Multiple policies to create a safe & conducive work environment Employee ownership: 317 employees are covered under ESOP programs –comprising of 21% of employee base excluding frontline staff, plan to broad base ESOP coverage to 50%+ Employment generated in tier II, III & IV cities”

ICRA

2

IND RA

1

CARE

1

Gender diversity

1

Strong Independent Function

1

ICRA

Upgraded to A- (Positive) Opened 1st branch in South AUM crosses Rs. 500 crs Presence in 8 states Presence in 7 States Investment from 399 548 801 Annual PAT crosses Rs. 100 crs 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 Acquires majority stake 3,073 AUM crosses Rs. 9,000 Crs 9,252 Quarterly PAT crosses Rs. 100 Crs Crossed 200+ Branches Crossed 260+ Branches 8,189

CARE

Upgraded to A+ (Positive) 4,359 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 Q2FY26 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 Company Experienced Management Team with Strong Alignment of Inte

Gender diversity

Diverse employee base consisting of 29% women representation at Board 20% women at HO 38 Strong Governance Structure Strong corporate governance framework in place for effective risk management Board Level Committees - 7 Board of Directors Risk Management Committee Audit Committee IT Strategy Committee Management Level Committees - 9 Nomination & Remuneration Committee Management Team CSR & ESG Committee Stakeholder Relationship Committee Willful Defaulter Review Committee ALCO Customer Grievance Redressal IT Steering Whistle Blower POSH Information Security Internal Risk Management Willful Defaulter Identification

Strong Independent Function

• Chief Risk Officer • Chief Compliance Officer • Head - Internal Audit • Big 4 Statutory Auditor • • Compliant with Cyber Security, Internal Audit supported by Big 4 Infosec & Data Privacy Regulations Special Committee for Fraud Monitoring 39 Awards & Accolades NHB Award for lending to women borrowers India's Best Workplaces In NBFC 2025 Best BFSI Campaign – 4 Dino Mein Home Loan INDIA'S BEST WORKPLACES IN NBFC BY GPTW INDIA BEST CUSTOMER EXPERIENCE SOLUTION OF THE YEAR AT THE BW FINTECH AWARDS 2024 JAN GRIHA CERTIFICATION ON GREEN HOME INITIATIVES TOP 50 INDIA'S BEST WORKPLACES IN BFSI 2024 GREAT PLACE TO WORK CERTIFIED 40 Glossary Terms Explanation AUM AUM represents the aggregate of future principal outstanding and overdue principal outstanding, if any, for all loan assets under management which includes (i) loan assets held by us as of the last day of the relevant period/year (ii) loan assets which have been transferred by us by way of securitization or direct assignments and are