Slides
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Investor Presentation Quarter Ended September 2026 28-October-2026
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Table of Content 1 Key Performance Highlights Segment Update – Affordable3 4 Segment Update – Emerging Markets Asset Quality6 2 Business Update Financial Performance8 Segment Update – Prime5 Technology Update7 9 10 Ownership & Governance ESG Update & Awards
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Business Metrics & Expansion • Disbursements scaled up 60% YoY to INR 9,609 crore in Q2 FY27 vs INR 5,995 crore in Q2 FY26 • Overall loan book grew 19% YoY to INR 95,079 crore as on 30 Sep 2026 • Corporate loan book increased 107% YoY to INR 689 crore as on 30 Sep 2026 Q2 FY27 Executive Summary Asset Quality • GNPA improved to 0.91% vs 0.95% in Q1 FY27 • Recovered INR 75 crore in Q2 FY27 and INR 141 crore in H1 FY27 from total written-off pool Profitability • PAT grew by 6% YoY to INR 617 crore in Q2 FY27 as against INR 582 crore in Q2 FY26 • ROA stood at 2.53% in Q2 FY27 (annualized) compared to 2.66% in FY26 Margins • Spread expanded sequentially by 31 bps to 2.43% in Q2 FY27 • NIM is higher by 17 bps to 3.67 % in Q2 FY27 vs 3.50% in Q1 FY27 • Yield improved to 9.74% in Q2 FY27 from 9.48% in Q1 FY27, while CoB decline by 5 bps to 7.31% vs 7.36% in Q1 FY27 ✓ 3A A A R a t e d b y a l l 4 R a t i n g A g e n c i e s
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Key Performance Highlights – Q2 FY27 (YoY | QoQ) YoY : 60% | QoQ : 59% 4 DisbursementDisbursement YoY : -13 bps / -14 bps | QoQ : -4 bps / -3 bps GNPA / NNPAGNPA / NNPA 1.04% 0.95% 0.91% 0.69% 0.58% 0.55% Q2 FY26 Q1 FY27 Q2 FY27 GNPA NNPA YoY : 16 bps / Flat | QoQ : 31 bps / 17 bps Spread / NIM 2.26% 2.12% 2.43%* 3.67% 3.50% 3.67%* Q2 FY26 Q1 FY27 Q2 FY27 Spread NIM (INR Crore) Asset under Management YoY : 17% | QoQ : 6% (INR Crore) * Includes pool buyout of INR 147 crore & INR 838 crore during Q1 & Q2 FY27 respectively YoY : -20 bps / -81 bps | QoQ : 15 bps / 89 bps ROA / ROE 2.73% 2.37% 2.53% 13.14% 11.44% 12.33% Q2 FY26 Q1 FY27 Q2 FY27 ROA ROE 83,879 93,021 98,210 Q2 FY26 Q1 FY27 Q2 FY27 Loan Book YoY : 19% | QoQ : 6% (INR Crore) 79,771 89,670 95,079 Q2 FY26 Q1 FY27 Q2 FY27 * Spread is 2.24% & NIM is 3.49% (x-1 Off) 5,995 6,029 * 9,609 * Q2 FY26 Q1 FY27 Q2 FY27
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Key Performance Highlights – H1 FY27 (YoY) YoY : 42% YoY : 5 bps / -12 bps 5 DisbursementDisbursement Spread / NIM (INR Crore) Asset Under Management YoY : 17% (INR Crore) 83,879 98,210 H1 FY26 H1 FY27 YoY : -13 bps / -14 bps GNPA / NNPAGNPA / NNPA 1.04% 0.91% 0.69% 0.55% H1 FY26 H1 FY27 GNPA NNPA 2.23% 2.28%* 3.70% 3.58%* H1 FY26 H1 FY27 Spread NIM YoY : -21 bps / -88 bps ROA / ROE 2.65% 2.44% 12.77% 11.89% H1 FY26 H1 FY27 ROA ROE Loan Book YoY : 19% (INR Crore) 79,771 95,079 H1 FY26 H1 FY27 10,975 15,638 H1 FY26 H1 FY27 * Includes pool buyout of INR 986 crore in H1 FY27 * Spread is 2.18% & NIM is 3.49% (x-1 Off)
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public ROA Tree Q2 FY27 includes 1-off of charges on prepayment of corporate account; X 1-off, Yield, Spread and NIM would have been 9.56%, 2.24% and 3.49% respectively for Q2 FY27 and 9.51%, 2.18% and 3.49% respectively for H1 FY27 6 Particulars Q2 FY27 Q1 FY27 QoQ Q2 FY26 YoY H1 FY27 H1 FY26 YoY Yield 9.74% 9.48% 26 bps 9.95% -21 bps 9.61% 9.97% -36 bps CoB 7.31% 7.36% -5 bps 7.69% -37 bps 7.33% 7.74% -41 bps Spread 2.43% 2.12% 31 bps 2.26% 16 bps 2.28% 2.23% 5 bps NIMs 3.67% 3.50% 17 bps 3.67% - 3.58% 3.70% -12 bps GIMs 4.10% 3.92% 17 bps 4.05% 5 bps 4.01% 4.06% -5 bps Opex to ATA 1.03% 0.99% 4 bps 1.02% 1 bps 1.02% 1.02% - PPOP to ATA 3.05% 2.93% 12 bps 3.03% 2 bps 2.99% 3.04% -5 bps Credit Cost to ATA -0.19% -0.12% - 7 bps -0.53% 34 bps -0.16% -0.40% 24 bps ROA 2.53% 2.37% 15 bps 2.73% -20 bps 2.44% 2.65% -21 bps ROE 12.33% 11.44% 89 bps 13.14% -81 bps 11.89% 12.77% -88 bps
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 7 Overall Business Update 7
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Strategic Objectives Sustainable Business Growth High Yielding Portfolio Growth • Focus on high yielding Affordable and Emerging Markets segment to improve Yield and NIM • Reinitiate corporate lending with disciplined risk management, capping exposure at under ~10% of the total loan portfolio • New Initiatives and growth opportunities Asset Quality • Sustain best-in-class asset quality through robust underwriting, rigorous monitoring and continues policy refinements Technology & Artificial Intelligence • Leverage technology for paperless journey across the loan cycle and AI pilots to drive productivity & efficiency Consistent Profitabilty • Driving Sustainable Profitability through NIM Optimization, Cost Efficiency and Superior Asset Quality 8
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public High Yielding Portfolio Growth Shift towards high yielding segment Launch of Micro Housing Finance for higher yields Expanded Affordable business from select Prime & Emerging branches Launch of Emerging Developer Finance New Growth Levers to Scale the High-Yielding Portfolio 9 (Disbursement in INR Crore) (Disbursement in INR Crore)(Disbursement in INR Crore) 63% 60% 59% 59% 37% 40% 41% 41% FY25 FY26 Q1FY27Q2 FY27 Emerging Markets+Affordable Prime 28 213 Q1FY27 Q2 FY27 71 36 Q1FY27 Q2 FY27 0 71 Q1FY27 Q2 FY27
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Loan Asset Mix Segment Mix Retail Product Mix Retail Profile Mix(INR Crore) Retail Product Mix Retail Profile Mix Loan AssetDisbursement 99.6% 99.5% 99.3% 0.4% 0.5% 0.7% 30-Sep-25 30-Jun-26 30-Sep-26 Corporate Retail 72.8% 66.8% 65.1% 27.2% 33.2% 34.9% Non Housing Loan Individual Housing Loan 64.9% 53.0% 35.1% 47.0% H1 FY26 H1 FY27 57.4% 44.2% 42.6% 55.8% H1 FY26 H1 FY27 Self employed Salaried 60.3% 58.6% 57.3% 39.7% 41.4% 42.7% Self Employed Salaried 79,771 10,975 15,064 Non Housing Loan Individual Housing Loan 95,079 30-Sep-25 30-Jun-26 30-Sep-26 30-Sep-25 30-Jun-26 30-Sep-26 89,670 10 • Live loan accounts serviced by the Company crossed 4,00,000 as on 30-Sep-26 • Average ticket size for Retail Individual Housing loan and Retail Non-Housing at INR 29 lac and INR 27 lac respectively (as on 30-Sep-26) • Affordable and Emerging Markets segment contribute 44% of the Retail disbursement (INR Crore)
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 38% 62% 355 Wide Retail Distribution Network Map not to scale. All data, information and maps are provided “as is” without warranty or any representation of accuracy, tim eliness or completeness. Loan Asset – Geographical Breakup Disbursement - Geographical Break-up* 49 30-Sep-25 30-Sep-26 Disbursement Channel Mix – H1 FY27* Top 5 State share in the Retail Loan Asset (%) State 30-Sep-26 30-Sep-25 Maharashtra 18.0% 20.3% Delhi NCR 12.2% 10.3% Tamil Nadu 12.1% 12.2% Karnataka 8.9% 8.9% Telangana 8.5% 8.9% 33% 31% 35% 35% 32% 34% 30-Sep-25 30-Sep-26 27% 25% 36% 32% 37% 43% H1 FY26 H1 FY27 North South West In-House DSA OUR OFFICE NETWORK 11 404 # Branches * Excluding pool buyout
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Retail Business Update • Delivered 19% YoY Retail loan book growth; sustained momentum • Affordable and Emerging Markets segment contributes 44% of the total Retail disbursement and 41% of the Retail loan book • Retail disbursements up 54% YoY and 59% QoQ • Affordable segment yield declined primarily driven by the rollout of the Affordable business across selected Prime and Emerging Markets branches. • Started Affordable Housing business in select Prime and Emerging Markets branches in Q1 FY27 and rolled out Micro Housing through existing Affordable branches in Q2 FY27, leveraging the existing branch infrastructure Loan Asset (INR crore) Q2 FY27 Q1 FY27 Q2 FY26 Change (QoQ) Change (YoY) Affordable 9,438 8,556 6,531 10% 45% Emerging Markets 29,318 27,676 23,994 6% 22% Prime 54,635 52,780 48,914 4% 12% DA Pool Buyout 999 166 - 503% - Total 94,391 89,178 79,439 6% 19% Disbursement (INR crore) Q2 FY27 Q1 FY27 Q2 FY26 Change (QoQ) Change (YoY) Affordable 1,149 555 823 107% 40% Emerging Markets 2,882 2,029 2,122 42% 36% Prime 4,380 3,083 3,050 42% 44% DA Pool Buyout 838 147 - 469% - Total 9,250 5,814 5,995 59% 54% Incremental Yield Q2 FY27 Q1 FY27 Q2 FY26 Change (QoQ) Change (YoY) Affordable 11.63% 11.78% 12.11% -15 bps - 48 bps Emerging Markets 9.38% 9.33% 9.47% 5 bps -9 bps Prime 9.07% 9.00% 9.12% 7 bps -5 bps No. of Branches Q2 FY27 Q1 FY27 Q2 FY26 Change (QoQ) Change (YoY) Affordable 234 232 198 +2 +36 Emerging Markets 88 89 83 -1 +5 Prime 81 82 73 -1 +8 12
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 13 Segment Update: Affordable 13
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 65.0% 64.3% 64.2% 64.1% 64.1% 35.0% 35.7% 35.8% 35.9% 35.9% Affordable Segment Update Branches Loan Asset (INR crore) Disbursement (INR crore) Incremental Yield (%) Loan Asset by Product (%) Loan Asset by Profile (%) 6,531 7,140 8,153 8,556 9,438 Non Housing Loan Individual Housing Loan Individual Housing LoanNon Housing Loan 57.5% 56.7% 55.5% 57.1% 56.4% 42.5% 43.3% 44.5% 42.9% 43.6% Q2FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Self-employed Salaried Q2 FY26 Q2FY26 Q2 FY26 Q3 FY26 60.4% 39.6% 823 Q3 FY26 Q3 FY26 Q1 FY27 Q4 FY26 Q4 FY26 59.0% 41.0% 786 Q2 FY26 Q3 FY26 Q4 FY26Q1 FY27 Q1 FY27 Q2 FY27 12.11% 12.10% 11.35% 11.78% 11.63% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 64.5% 35.5% 1,249 Q4 FY26 45% Q2 FY27 Q2 FY27 Q2 FY27 14 60.5% 39.5% 555 40% Q1 FY27 198 198 229 232 234 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 64.9% 1,149 35.1%
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Affordable Segment Distribution Strategy Loan Asset Geographical Breakup Geographic Presence Disbursement Channel Mix – H1 FY27 State # Branches % of Loan Asset 30-Sep-26 30-Sep-25 Uttar Pradesh 33 15.5% 15.7% Tamil Nadu 32 15.2% 15.8% Maharashtra 25 14.0% 14.9% Rajasthan 30 12.5% 12.9% Madhya Pradesh 21 12.3% 13.6% Derisking the Geographical presence; with branch expansions, top 5 states contribution reduced to 69.5% of Loan Asset as on 30-Sep-26 vs 72.9% a year ago 35% 33% 32% North South West 40.3% 59.7% In-House DSA OUR OFFICE NETWORK Disbursement Geographical Breakup – H1 FY27 North South West 40% 34% 26% 15 Map not to scale. All data, information and maps are provided “as is” without warranty or any representation of accuracy, tim eliness or completeness.
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Upto 700 Affordable Segment Portfolio Matrix Loan Asset by Profile – Formal/Informal Loan Asset by Credit history Loan Asset by Purpose SAL - Formal SAL - Informal SE - InformalSE - Formal Purchase/resale Plot + Construction Home Extension Self Construction Non-Housing Loan Upto 10 lacs 10 to 15 lacs 25 to 35 lacs 15 to 25 lacs > 35 lacs Loan Asset by Ticket Size NTC >700-750 >750 52.3% 4.1% 17.5% 26.1% ATS 16 Lacs 9.8% 9.8% 29.8% 50.6% 16 34.9% 13.0%15.0% 1.2% 35.9% 17.2% 21.4% 32.9% 16.9% 11.6%
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public • Asset quality metrics remained resilient with stable delinquency and NPA trends across the portfolio. • Strengthened collections through focused field engagement, legal interventions, and early resolution mechanisms. • Technology-enabled, omnichannel customer outreach continues to enhance recovery effectiveness and collection efficiency. • Portfolio performance remains stronger than industry benchmarks, reflecting disciplined underwriting and risk management. Affordable Segment Asset Quality Bounce Rate DPD 30+ (%) Gross NPA (%) As per ICRA, the 30+ and 90+ delinquencies for AHFCs as on Mar -26 is 3.6% and 1.2% 17 11.4% 12.0% 11.5% 11.4% 11.1% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 1.40% 1.42% 1.32% 1.60% 1.61% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 0.51% 0.66% 0.62% 0.74% 0.75% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 18 Segment Update: Emerging Markets 18
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 2.49% 2.33% 2.11% 2.09% 1.97% 0.82% 0.81% 0.72% 0.70% 0.70% Q2FY26 Q3FY26 Q4FY26 Q1 FY27 Q2 FY27 64.0% 63.3% 62.4% 61.5% 60.4% 36.0% 36.7% 37.6% 38.5% 39.6% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 67.9% 67.1% 65.2% 64.4% 63.2% 32.1% 32.9% 34.8% 35.6% 36.8% Emerging Markets Segment Update 30+ & 90+ Loan Asset (INR crore) Disbursement (INR crore) Incremental Yield (%) Loan Asset by Product (%) Loan Asset by Profile (%) 23,994 24,998 26,820 27,676 29,318 N u m b e r o f B r a n c h e s Non Housing Loan Individual Housing Loan 9.47% 9.38% 9.23% 9.33% 9.38% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Non Housing Loan Individual Housing Loan Q2 FY26 Q3 FY26 Q2 FY26 Self-employed Salaried Q3 FY26 Q3 FY26 Q2 FY26 2,122 Q4 FY26 38.4% 61.6% Q4 FY26Q4 FY26 Q1 FY27 Q1 FY26 Q1 FY27 59.9% 40.1% 2,149 83 83 85 30+ 90+ Q2 FY27 89 Q2 FY27 Q2 FY27 57.8% 42.2% 3,021 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 22% 19 54.8% 45.2% 2,029 36% 88 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 54.6% 45.4% 2,882
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 20 Segment Update: Prime 20
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 3.22% 3.01% 2.72% 2.75% 2.61% 1.22% 1.22% 1.09% 1.13% 1.07% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Prime Segment Update 30+ & 90+ Loan Asset (INR crore) Disbursement (INR crore) Incremental Yield (%) Loan Asset by Product (%) Loan Asset by Profile (%) 60.0% 59.3% 58.5% 57.4% 56.2% 40.0% 40.7% 41.5% 42.6% 43.8% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Non Housing Loan Individual Housing Loan 72.1% 71.4% 69.4% 68.6% 67.4% 27.9% 28.6% 30.6% 31.4% 32.6% Non Housing Loan Individual Housing Loan 9.12% 9.08% 8.92% 9.00% 9.07% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q3 FY26 Q2 FY26 Self-employed Salaried Q4 FY26 Q3 FY26 34.8% 65.2% Q4 FY26 3,050 Q1 FY27 Q2FY27 Q1 FY27 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 60.1% 39.9% 3,282 73 75 77 30+ 90+ 82 Q2 FY27 55.6% 44.4% 4,750 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 12% 21 N u m b e r o f B r a n c h e s 56.4% 43.6% 3,083 44% Q2 FY27 81 56.7% 43.3% 4,380 48,914 49,793 51,953 52,780 54,635 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 22 Asset Quality 22
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Controlled delinquency in business booked in last 12 and 24 months: Retail Portfolio Highlights 23 Focussed approach Consistent focus on mid and low-ticket loans; 95% of fresh sanction volume on-boarded has ticket size of less than INR 1 crore. Sustainable growth Total sanctions in Q2 FY27 were INR 13,316 crore; registering a growth of 48% over Q2 FY26. Controlled Delinquency Stable Credit Quality Sourcing quality; 87% of the loans booked in Q2 FY27 has financial applicant’s bureau score of more than 700 Balance portfolio Maintained a balance portfolio with Individual Housing Loan at 65% and salaried customer at 57% of the retail portfolio 12 months Q1 FY27 Q2 FY27 30+ 0.08% 0.10% 90+ 0.03% 0.04% 24 months Q1 FY27 Q2 FY27 30+ 0.24% 0.40% 90+ 0.14% 0.17% 23
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Collections Update Retail Collection Efficiency 99.9% 99.4% 99.4% 99.1% 99.3% Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 178 192 221 129 133 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Overall GNPA Q2 FY26 Q3 FY26 Q4 FY26 -0.53% Q1 FY27 -0.19% Q2 FY27 -0.78% Credit Cost Strong recovery from written-off pool in Q2 FY27; INR 21 crore in retail and INR 54 crore in corporate driving negative credit cost 24 Write off Recovery (Amount in INR Cr) 34 22 24 22 21 Properties sold Retail write-off recovery amount -0.12% 830 855 809 851 863 1.04% 1.04% 0.93% 0.95% 0.91% 0.69% 0.68% 0.57% 0.58% 0.55% 0.00% 0.50% 1.00% 1.50% 2.00% 50 250 450 650 850 1050 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 GNPA (Amount) GNPA % NNPA % Corporate NPA Nil since Jun-24 -0.19%
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Expected Credit Loss (ECL) Provisions As per IndAS *With SICR Consolidated basis Particulars (INR Crore) 30-Sep-26 30-Jun-26 30-Sep-25 Gross Stage 1* 92,280 87,167 77,179 Gross Stage 1 as % to Loan Asset 97.37% 97.21% 96.75% ECL Provision Stage 1 325 292 381 ECL Provision % Stage 1 0.35% 0.34% 0.49% Gross Stage 2* 1,627 1,653 1,761 Gross Stage 2 as % to Loan Asset 1.72% 1.84% 2.21% ECL Provision Stage 2 284 309 289 ECL Provision % Stage 2 17.48% 18.68% 16.41% Gross Stage 3 863 851 830 Gross Stage 3 as % to Loan Asset 0.91% 0.95% 1.04% ECL Provision Stage 3 345 335 284 ECL Provision % Stage 3 39.98% 39.43% 34.17% Total Loan Asset 94,770 89,670 79,771 ECL Provision 955 936 953 Total ECL Provision / Total Loan Asset (%) 1.01% 1.04% 1.20% 25
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 26 Technology Update 26
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public | 27 Digitizing On-boarding journey: In-house developed sales enablement platform “Infinity” Lead Conversion Application & LAN Generation Applicant(s) Addition Integration with SFDC LOS Integration with PAN, CKYC, RPD, AA, DigiLocker Collateral & Reference Addition Document Upload as per Login Checklist Pre-integrated CKYC docs visibility + Integration with SFDC LOS for new DOCS Application form generation & eSign Integration with eSign & SFDC LOS Login Fee Collection Integration with Payment Gateway + SFDC LOS <> LMS - Integrated Incentive tracking - Annoucement & Knowledge hub Incentive & Engagement - PAN & CKYC - Sub AUA / KUA - AA & RPD Reverse Penny Drop - Payment Gateway - eSign Digital Enablement - Lead Lifecycle & Conversion - Target vs. Achievement - TL to CSO Snapshot Lead & Performance - CRM workflow Integration - SFDC LOS - ODS Data push / Pull - Communication (SMS/ Email / WhatsApp) - Google map integration Core Business Integration - Activities, Calendar & Dashboard - Web & Mobile Access - Real time Credit Query update - Non-Individual, and signatory onboarding Sales Productivity - Digital Application & Documents - Application form generation - Quick Payment Collection - DMA Portal - Connector Portal Application Onboarding - User & Hierarchy Control - Geo & field Verification - Sanction & deviation view Governance & Compliance 90%+ adoption across all three categories Moving towards complete paperless journey
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Digitizing On-boarding Journey: e-Sign & e-Stamp 28 Physical stamp papers procured through vendors, involving manual handling and dependency on availability Stamp duty paid digitally with instant generation of legally valid e-Stamp certificate Old Process – Manual Stamp & Wet Signing New Process – e-Stamp & eSign Agreements printed on paper and signed manually by customer and authorized signatories Agreements executed digitally using Aadhaar-based OTP, DSC, or eSign mechanisms High TAT due to printing, courier, customer coordination, and physical movement of documents Near real-time execution with end-to-end digital processing Completely remote and contactless experience, sign anytime, anywhere Requires branch visits or document courier, inconvenient especially for remote customers High operational cost due to printing, logistics, storage, and manual reconciliation Significantly reduced costs through paperless, automated workflows Limited traceability, manual logs and risk of document loss or damage Tamper-proof documents with complete digital audit trail and regulatory compliance Stamping Mechanism Document Execution Turnaround Time (TAT) Customer Experience Operational Cost & Effort Audit, Security & Compliance ~65% of the cases being signed through legality Powered by
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 3 Intelligent Document Processing Leverage AI to auto-classify documents, fetch relevant information, populate data into LOS, cross validate information across documents, run a document / information checklist and nudge stakeholders for gaps, discrepancies and dependencies. Aug 2026 Sep 2026 POC Live Status 29 6 Top-Up AI Calling Presents pre-approved top-up offers via voice, then guides customers through a PWA self-service flow with DigiLocker KYC, loan amount selection, e-sign and e-stamp — fully digital end-to-end. Mar 2026 Aug 2026 PLANNINGKnowledge BOT An AI agent that can respond to queries of credit and sales team related to various policy related matters. Team can ask questions in simple text and the bot refers to the underlying policy framework to give solutions and recommendations on the fly Aug 2026 Sep 2026 POC Live POC Live 5 Hiring Agent AI driven hiring where and AI agent creates JD, makes job posting on portals and online, downloads resumes, scores competencies, shortlists and shares resumes, conducts initial assessment and shares detailed scored output with HR Aug 2026 Sep 2026 POC Live AI initiatives # Project Description Start Date POC / Go Live Date 1 Pre-Delinquency AI Calling Predicts first-time default risk (DPD 1+) using 3–4 quarters of internal payment patterns and bureau data. Powers proactive collection calls before an EMI is missed, reducing early delinquency Feb 2026 Oct 2026 Production 2 Bucket-X Calling Customers who have bounced are targeted by the Agent to drive digital payments or get disposition like PTP, RPT etc.. Saves time of field agents, lowers collection cost and improves collection efficiency Aug 2026 Oct 2026 POC LivePOC Live 4
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 30 Financial Performance 30
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 27.03%28.26% 5% 5% 6% 11% 10% 11% 28% 24% 22% 6% 7% 7% 36% 38% 39% 14% 16% 15% 1 2 3 29.21% 27.87% 26.62% 0.59% 0.39% 0.41% 1 2 3 Well Diversified Borrowing Profile Borrowing Mix Cost of Borrowing Borrowings (INR Crore) 73,699 79,597 NHB Refinance Term Loans ECBs Deposits NCDs CPs Q2 FY26 Reported COB Incremental COB Q3 FY26 Q4 FY26 7.42% 7.69% Q1 FY27 7.50% 7.19% Q2 FY27 7.23%7.35% 65,168 CRAR 30-Jun-26 30-Sep-2630-Sep-25 Rating 30-Jun-26 30-Sep-2630-Sep-25 Tier 1 Tier 2 31 7.41%7.36% 29.80% Leverage 3.63x 3.72x 3.93x Book Value Per Share 690 760 776 7.26%7.31% AAA(Outlook: Stable) 31 Ratings
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Consolidated Profit & Loss Statement 32 Particulars (INR Crore) Q2 FY27 Q2 FY26 YoY Q1 FY27 QoQ H1 FY27 H1 FY26 YoY FY26 FY25 YoY FY24 Total Income 2,293 2,032 13% 2,142 7% 4,434 4,026 10% 8,110 7,301 11% 6,777 Finance Cost 1,415 1,267 12% 1,339 6% 2,753 2,501 10% 5,000 4,551 10% 4,261 Net Interest Income 878 765 15% 803 9% 1,681 1,525 10% 3,110 2,750 13% 2,516 Net Total Income 1,009 864 17% 927 9% 1,936 1,711 13% 3,505 3,140 12% 2,796 Operating Expenses 260 217 20% 237 10% 498 433 15% 920 813 13% 670 - Employee Benefit Expenses 139 109 27% 135 3% 274 227 20% 487 421 15% 337 - Depreciation and Amortisation 17 16 2% 16 3% 33 31 7% 66 56 19% 51 - Other Expenses 105 92 14% 86 21% 191 175 9% 367 336 9% 282 PPOP 749 646 16% 689 9% 1,438 1,278 13% 2,584 2,327 11% 2,125 Credit Cost -48 -113 -58% -29 63% -77 -169 -55% -386 -159 144% 171 Profit Before Tax 797 760 5% 718 11% 1,515 1,448 5% 2,971 2,486 20% 1,954 Tax Expense 180 178 1% 161 12% 341 332 3% 679 550 24% 446 Net Profit after Tax 617 582 6% 557 11% 1,174 1,115 5% 2,291 1,936 18% 1,508 EPS (Basic) 23.7 22.3 21.4 45.0 42.9 88.0 74.5 58.4
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Consolidated Balance Sheet Particulars (INR Crore) 30-Sep-26 31-Mar-26 31-Mar-25 31-Mar-24 LIABILITIES 1 Financial Liabilities (a) Derivative financial instruments 15 4 50 - (b) Debt Securities 13,457 9,270 8,573 7,852 (c) Borrowings (Other than Debt Securities) 48,396 43,543 35,555 28,667 (d) Deposits 17,704 18,055 17,642 17,758 (e) Subordinated Liabilities 40 330 540 739 (f) Other financial liabilities 1,653 2,881 3,042 2,200 Sub Total - Financial Liabilities 81,265 74,084 65,401 57,216 2 Non-Financial Liabilities (a) Current Tax Liabilities - 8 - - (b) Provisions 37 36 22 20 (c) Other non-financial liabilities 87 166 234 194 Sub Total - Non-Financial Liabilities 124 209 256 214 3 EQUITY (a) Equity Share capital 261 261 260 260 (b) Other Equity 19,988 18,959 16,603 14,715 Sub Total – Equity 20,249 19,219 16,863 14,974 TOTAL – EQUITY & LIABILITIES 1,01,638 93,512 82,520 72,405 Particulars (INR Crore) 30-Sep-26 31-Mar-26 31-Mar-25 31-Mar-24 ASSETS 1 Financial Assets (a) Cash and cash equivalents 2,004 2,483 2,160 2,142 (b) Loans 94,124 86,433 74,645 64,108 (c) Investments 3,708 2,779 3,381 4,346 (d) Other Financial Assets 1,458 1,462 1,836 1,221 Sub Total - Financial Assets 1,01,295 93,158 82,023 71,818 2 Non - Financial Assets (a) Tax Assets (Net) 14 24 179 313 (b) Property, Plant and Equipment 81 83 82 67 (c) Right of use assets 158 158 133 123 (d) Other Intangible assets 31 32 24 17 (e) Other non-financial assets 60 57 80 68 (f) Assets held for sale - - - - Sub Total - Non - Financial Assets 343 355 497 587 TOTAL - ASSETS 1,01,638 93,512 82,520 72,405 33
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 34 Shareholding & Governance 34
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 28.0% 18.6%28.9% 10.8% 13.7% 28.0% 14.2% 36.5% 7.5% 13.8% Outstanding Shares Shareholding Pattern Top 10 Shareholders • Promoter (PNB) • Birla Sun Life Mutual Fund • HSBC Mutual Fund • ICICI Prudential Mutual Fund • Vanguard • SBI Life Insurance • PI Opportunities AIF V LLP • HDFC Mutual Fund • Nippon Mutual Fund • Axis Mutual Fund Promoter Foreign Inst. Investors Mutual Funds Bodies Corporates Public & Others 26,08,03,91326,05,08,563 30-Sep-2630-Sep-25 35
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Ajai Kumar Shukla Managing Director and CEO Distinguished Board of Directors Dipankar Mahapatra Non-Executive Nominee Director Neeraj Vyas Independent Director Gita Nayyar Independent Director Tejendra Mohan Bhasin Independent Director D. Surendran Chairperson (Non-Executive Nominee Director ) 36 Rajiv Kumar Singh Independent Director Shreekant Independent Director
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Smita Jain Head – Human Resources Anshul Dalela Chief of Operations & Customer Service Experienced and Professional Management Team Ajai Kumar Shukla Managing Director and CEO Jatul Anand Chief Operating Officer Vinay Gupta Chief Financial Officer Vipin Malhotra Head - Internal Audit Krishna Kant Chief Compliance Officer Santosh Kumar Singh Chief Information Officer Bhavya Taneja Chief Marketing Officer Vikas Rana Head - Construction Finance Veena Kamath Company Secretary Neeraj Manchanda Chief Risk Officer Mukesh Agarwal Chief Business Officer - Retail Rahul Jain Chief Strategy Officer 37 Satish Singh Chief Business Officer Affordable Business
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 38 ESG Update & Awards 38
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Governance Key Features of Governance • Risk Management Committee(RMC) of the Board oversees the company’s Risk Management practices and approve the Risk Management Framework of the company • Executive RMC Comprising of senior members review risk management framework • Business units are responsible for effective management of risk of their unit • Internal audit to independently assess the Internal controls and Risk Management Framework • Compliance function independently monitors the Regulatory compliances Report Measure Risk Framework Regulations Good Practices Policies Technology/SystemsDataPeople/Awareness Key Enablers Strategy Risk Appetite Risk Definitions Risk Based Performance Management Risk Based Capital Allocation Risk Aware Decision Making Governance 39
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Overarching ESG Framework 40 GOVERNANCE Cultivate leading standards of governance, accountability & trust SOCIAL Promote social equity & respect human dignity while enhancing inclusive reach ENVIRONMENT Scale conscious choices thereby contributing to a sustainable tomorrow Board Level Agenda Leadership Focus ESG Team Anchor Enriching Lives. Building Homes. Creating Value Responsible Growth Inclusive Impact Institutionalize a culture of ESG by building capabilities across all levels through continuous learning, programs, and strategic engagements. Driving ESG Excellence Stakeholder Engagement Ethical Business Conduct Transparency in Disclosures Cross Functional Participation Mindset of Ownership Cemented by our Principles Building Stronger Foundations for a Sustainable Future Embed a high performance ESG Culture through continuous capability building and engagement. Our Motivation Create Long term sustainable Value Strong Governance Governance that guides the ESG journey ESG Ethos Conserve Respect Practice Cultivating a Future-Ready ESG Mindset Aligned with national priorities
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Sustainable Value Creation Model 4141 Our ESG Enablers Top Quintile In the Diversified Financial Services and Capital Markets industry in the S&P Global Corporate Sustainability Assessment.*** *** As of 09/02/2026. ** October 2026. ESG Ratings or Scores are not intended to predict a company’s future performance or serve as the sole basis for investment decisions. ESG ratings / scores do not constitute recommendations to buy, hold or sell any securities. ERPs – ESG rating providers. ESG Ratings from Resurgent are on solicited basis as on 03-09-26 (A+ is the highest rating). ESG Rating Category: Leader Retained for 2 Consecutive Years NSE Sustainability Ratings & Analytics** ESG Scorecard - Domestic & Global Global Domestic (SEBI Registered ERPs) A+ ESG Rating Retained for 2 Consecutive Years Resurgent ESG Services Private Ltd. Aligned with ESG Material Topics Sustainable Business Growth & Profitability Cyber Security & Data Privacy Inclusive Customer Access & Service Reach Pan India Business Ethics & Regulatory Compliance People Practices incl. Diversity, Equity & Inclusion & CSR Interventions Climate Change & GHG Emissions Management Delivering on Strategic Objectives Sustain best-in- class asset quality through prudent underwriting. Expand the Affordable and Emerging portfolio to enhance yields and NIM. Leverage technology to improve efficiency across the loan lifecycle. Drive sustainable profitability through NIM optimization, cost efficiency. Financial Capital Sound capital base (equity, debt). Intellectual Capital Tech-enabled platforms and processes for Data protection. Network Capital Extensive network of branches. Human & Social Capital Diverse and experienced workforce & CSR programs promising value creation. Natural Capital Climate conscious approach in a best possible manner. Integrity Capital People First Customer - Centric Ethical Standards Carbon Conscious
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public ESG Dashboard 424242 Environment GovernanceSocial 142 Hours clocked in POSH training 18.0% Women Employees 19640 Hours clocked in Learning 3,000+ beneficiaries provided access to safe drinking water through four RO-based Water ATMs in Haryana. ~2.60 GJ/ crore revenue Energy Intensity ~0.49 Ton/ crore revenue CO2e Emissions Intensity Scope 1 & Scope 2 combined using CEA & GHG protocol ~82.5% Women Loan Applicants/Co- Applicants** ~17% Women Primary Loan Applicants** 81%+ Loan Applicants from EWS, LIG & MIG In Individual Housing Loans in Q2 FY27* ~0.13 Ton/passenger CO2e Emissions Intensity (Scope 3 – Business Travel by Air) using DESNZ Database based on GHG protocol 3X Times in a row 1 Lakh+ beneficiaries in construction worker & underserved comm. reached through 4 Mobile Medical Units (MMUs), delivering free primary healthcare across four cities, over a year. ISO 27001 : 2022 Certified. ensures alignment with all data-protection & information security protocols. 100% Coverage of Essential & Leadership Indicators in BRSR 17.6% Women in senior management • * EWS – Economically weaker section Annual Income: <0.3 Million. LIG, MIG – Low (Annual Income: 0.3 – 0.6 million) & Medium (Annual income: 0.6 – 1.8 million) Income Group • **Basis Live Loan Accounts as on 30th September 2026. PCAF – Partnership for Carbon Accounting Financials. GRI – Global Reporting Initiative. GRI-Referenced Sustainability Standards Adoption for ESG Excellence PCAF Standard aligned Financed Emissions Accounting and Inventory Development 124 Hours in ESG learning Expert Software Platform for Compliance Management and monitoring Financial inclusion: Enhancing affordable homeownership and empowering women borrowers through inclusive lending practices.
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Glossary ATA Average Total Assets ATS Average Ticket Size AUM Asset Under Management COB Cost of Borrowing CP Commercial Paper CRAR Capital to Risk Asset Ratio DSA Direct Selling Agents DPD Due Past Days ECB External Commercial Borrowing ECL Expected Credit Loss EPS Earning Per Share GIM Gross Interest Margin GNPA Gross Non-Performing Asset NCDs Non-Convertible Debentures NIM Net Interest Margin NNPA Net Non-Performing Asset NTC New to credit PAT Profit After Tax PPOP Pre-provision Operating Profit ROA Return on Asset ROE Return on Equity STP Straight Through Process Ratios Formulas Used Average Yield (%) (Interest Income + Assignment Income) on Loans / Average Loan Book NIM (%) Net Interest Income including assignment income / Average Earning Assets Opex to ATA (%) Total Operating Expenditure net of acquisition cost / Average Total Assets as per Balance sheet 44
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public Disclaimer This presentation and the accompanying slides (the “Presentation”), which have been prepared by PNB Housing Finance Limited (the “Company”), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation, directly or indirectly, in any manner, or inducement to sell or issue, or any solicitation of any offer to purchase or subscribe for any securities of the Company in any jurisdiction, and shall not form the basis or be relied on in connection with any contract or binding commitment what so ever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation is not a prospectus, disclosure document, a statement in lieu of a prospectus, an offering circular, an advertisement or an offer document under the Companies Act, 2013, and the rules made thereunder, as amended, the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended, or any other applicable law in India. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation, and nothing in this Presentation shall be relied upon as a promise or representation in this respect, whether as to the past or the future. Financial information of the Company included herein may differ from its quarterly financial information as a result of certain adjustments made during the course of audit. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. The Presentation has not been independently verified and any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Certain matters discussed in this Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. All forward-looking statements are based on judgments derived from the information available to the Company at this time. Forward-looking statements can be identified by terminology such as such as “potential,” "opportunity," “expected,” “will,” “planned,” "estimated", “targeted”, "continue", "on-going" or similar terms. Such forward- looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertainties include, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, natural calamities, inflation, deflation, the performance of the financial markets in India and globally, changes in Indian laws and regulations, including tax, accounting and housing finance companies regulations, changes in competition and the pricing environment in India, and regional or general changes in asset valuations, the Company’s ability to successfully implement its strategy, the Company’s future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cash flows, the Company’s market preferences and its exposure to market risks, as well as other risks. The Company’s actual results, levels of activity, performance or achievements could differ materially from results expressed in or implied by this Presentation. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third party statements and projections. Given these uncertainties and other factors, viewers of this Presentation are cautioned not to place undue reliance on these forward-looking statements. The information in this Presentation does not constitute financial advice (nor investment, tax, accounting or legal advice) and does not take into account an investor’s individual investment objectives, including the merits and risks involved in an investment in the Company or its securities, or an investor’s financial situation, tax position or particular needs. Past performance information in this Presentation should not be relied upon as an indication of (and is not an indicator of) future performance. The contents of this Presentation are strictly confidential and may not be copied or disseminated, reproduced, re-circulated, published, advertised or redistributed, in whole or in part, to any other person or in any media, website or otherwise in any manner without the Company’s written consent. 45
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41 185 154 13 74 105 240 196 25 230 77 60 155 201 233 5 74 145 92 138 204 88 105 148 181 177 178 173 169 183 60 151 211 133 166 68 166 166 166 49 133 156 56 143 167 242 242 242 153 190 59 91 135 198 1 107 155 249 177 66 240 92 44 96 96 96 44 54 141 Public 4646 Thank You Company: PNB Housing Finance Limited CIN: L65922DL1988PLC033856 Mr. Chaitanya Yadav National Head – Corporate Planning and Investor Relations Phone: +91 124 6030500 Investor.relations@pnbhousing.com www.pnbhousing.com