India Shelter Finance Corporation Limited

rs,

May 02, 2026 Jeejeebhoy Towers, Dalal To, BSE Limited, Phiroze Street, Mumbai- 400001 Scrip Code: 544044 ISIN: INE922K01024

29%

e Company. 2 FY26 Snapshot Gross AUM1 Rs. Crore 11,044 Employees Spread Gross Stage 3 ROA 29% YoY 4,800 6.6% 1.2% 5.8% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore

6.6%

26 Snapshot Gross AUM1 Rs. Crore 11,044 Employees Spread Gross Stage 3 ROA 29% YoY 4,800 6.6% 1.2% 5.8% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,834 PAT Rs. Cr

1.2%

pshot Gross AUM1 Rs. Crore 11,044 Employees Spread Gross Stage 3 ROA 29% YoY 4,800 6.6% 1.2% 5.8% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,834 PAT Rs. Crore 5

5.8%

Gross AUM1 Rs. Crore 11,044 Employees Spread Gross Stage 3 ROA 29% YoY 4,800 6.6% 1.2% 5.8% Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 3,834 PAT Rs. Crore 503 Ne

100%

d Book Net Stage 3 ROE Rs. Crore 3,834 PAT Rs. Crore 503 Net Worth Rs. Crore 3,198 15 100% 0.9% 17.0% Branches Average Ticket Size2 PCR3 CRAR | Leverage 33% YoY 307 +41 Branches Y

0.9%

Net Stage 3 ROE Rs. Crore 3,834 PAT Rs. Crore 503 Net Worth Rs. Crore 3,198 15 100% 0.9% 17.0% Branches Average Ticket Size2 PCR3 CRAR | Leverage 33% YoY 307 +41 Branches YoY In

17.0%

Stage 3 ROE Rs. Crore 3,834 PAT Rs. Crore 503 Net Worth Rs. Crore 3,198 15 100% 0.9% 17.0% Branches Average Ticket Size2 PCR3 CRAR | Leverage 33% YoY 307 +41 Branches YoY In-House

33%

th Rs. Crore 3,198 15 100% 0.9% 17.0% Branches Average Ticket Size2 PCR3 CRAR | Leverage 33% YoY 307 +41 Branches YoY In-House Sourcing 99% Rs. Lakhs 10 LTV1 52% 25% 56% | 3.0 C

99%

Average Ticket Size2 PCR3 CRAR | Leverage 33% YoY 307 +41 Branches YoY In-House Sourcing 99% Rs. Lakhs 10 LTV1 52% 25% 56% | 3.0 Credit Cost Credit Rating4 0.5% AA- Investors and A

52%

CRAR | Leverage 33% YoY 307 +41 Branches YoY In-House Sourcing 99% Rs. Lakhs 10 LTV1 52% 25% 56% | 3.0 Credit Cost Credit Rating4 0.5% AA- Investors and Analysts can download the ex

25%

R | Leverage 33% YoY 307 +41 Branches YoY In-House Sourcing 99% Rs. Lakhs 10 LTV1 52% 25% 56% | 3.0 Credit Cost Credit Rating4 0.5% AA- Investors and Analysts can download the excel f

ICRA

2

IND RA

1

CARE

1

Gender diversity

1

Strong Independent Function

1

ICRA

Upgraded to A- (Positive) Opened 1st branch in South Gross AUM crosses Rs. 500 Crs Presence in 8 states Presence in 7 States Investment from 399 548 801 Gross AUM crosses Rs. 10,000 Crs PAT crosses Rs. 500 Crs Crossed 300+ Branches Crossed 200+ Branches

IND RA

Upgraded to AA- (Stable) Quarterly PAT crosses Rs. 100 Crs 11,044 8,535 Listed on BSE, NSE 6,227 Annual PAT crosses Rs. 100 Crs Gross AUM crosses Rs. 1,000 Crs

CARE

Upgraded to A+ (Positive) 4,360 3,073 Presence in 15 States Crossed 100 Branches 2,199 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 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 Thomson Thomas Ex-CIO HDFC Life Sumir Chadha Nominee Director Co-Founder WestBridge Rupinder Singh MD & CEO 9 Professionally Managed Company Experienced Managemen

Gender diversity

Diverse employee base consisting of 29% women representation at Board 21% women at HO 37 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 • Chief Information Security Officer • Big 4 Statutory Auditor • • Compliant with Cyber Security, Internal Audit supported by Big 4 Infosec & Data Privacy Regulations Special Committee for Fraud Monitoring 38 Awards & Accolades Outstanding Company in AHF - 21st NBFC & FinTech Awards 2026 Best AHF Provider at the National Feather Awards 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 GREAT PLACE TO WORK CERTIFIED 39 Glossary Terms Explanation Gross AUM Gross AUM includes AUM and partners share in Co-Lending Loans Disbursements Disbursements represents the aggregate of all loan amounts extended to our customers including partner’s share of loan assets originated and assigned under co-lending arrangement in the relevant period