Business Responsibility and Sustainability Report for FY 2025-26

June 22, 2026 To, To, BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Mumbai- 400001 Bandra (E), Mumbai – 400 051 Scrip Code: 544044 NSE Symbol: INDIASHLTR ISIN: INE922K01024 ISIN: INE922K01024 INE922K07104 INE922K07112 Sub: Business Responsibility and Sustainability Reporting (BRSR) for Financial Year 2025-2026 Pursuant to Regulation 34 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the Business Responsibility and Sustainability Report for the Financial Year 2025-26. The above report may also be accessed on the Company’s website at www.indiashelter.in. Kindly take the above information on your records. For India Shelter Finance Corporation Limited Mukti Chaplot Company Secretary and Compliance Officer Mem. No. 38326 India Shelter Finance Corporation Limited Registered office– 6 th Floor, Plot No 15, Institutional Area, Sector 44, Gurgaon, Harya na- 1220 02 CIN: L 6 5922HR1998PLC 0 42782, Phone No+ 91- 1 24- 4 131800 E- m ail: c ustomer.care@indiashelt er.in, Website: www.indiashelter. i n ANNEXURE 5 Business Responsibility Sustainability Report India Shelter is pleased to present its Business Responsibility and Sustainability Report (BRSR) for the financial year ending 31 March, 2026. This report highlights our dedication to ethical business conduct and sustainable growth. At India Shelter, we believe our responsibilities go beyond providing housing finance — they extend to supporting the well-being of our customers, communities, and the environment. This report reflects India Shelter’s unwavering commitment to ethical, environmental, and social responsibility. We recognise the significant influence financial institutions can have on society, and we are dedicated to ensuring that our impact is both meaningful and positive. Designed to ensure transparency and accountability, this report presents our key initiatives and accomplishments across multiple pillars of corporate responsibility and sustainability. At India Shelter, we aim to deliver long-term value through innovative, customer-centric solutions while fostering an inclusive and sustainable ecosystem. We are committed to being a dependable partner for our stakeholders — connecting communities, advancing environmental stewardship through innovation, and contributing to economic development. SECTION A: GENERAL DISCLOSURES I. Details of the listed entity: 1. Corporate Identity Number (CIN) of the Listed Entity L65922HR1998PLC042782 2. Name of the Listed Entity India Shelter Finance Corporation Limited 3. Year of incorporation 1998 6th Floor, Plot No. 15, Sector 44, Institutional Area, 4. Registered office address Gurugram - 122 002, Haryana, India 3rd Floor, Upper Ground Floor and Lower Ground Floor, 5. Corporate address Plot No. 15, Institutional Area, Sector 44, Gurugram - 122 002, Haryana, India 6. E-mail secretarial@indiashelter.in 7. Telephone 0124-4131800 8. Website https://www.indiashelter.in/ 9. Financial year for which reporting is being done 2025-26 BSE Limited (BSE) and National Stock Exchange Limited 10. Name of the Stock Exchange(s) where shares are listed (NSE) 11. Paid-up Capital 543,792,245 Name: Ms. Mukti Chaplot Name and contact details (telephone, email address) of the person 12 Designation: Company Secretary who may be contacted in case of any queries on the BRSR report E-mail: secretarial@indiashelter.in Reporting boundary - Are the disclosures under this report made on a standalone basis (i.e., only for the entity) or on a consolidated The disclosures under this report are made on a basis (i.e., for the entity and all the entities which form a part of consolidated basis, unless otherwise specified. its consolidated financial statements, taken together). 14. Name of assessment or assurance provider Not Applicable* 15. Type of assessment of assurance obtained Not Applicable* *In pursuance of SEBI Circular No.: SEBI/HO/CFD/CFD-SEC-2/P/CIR/2023/122 r.w. SEBI LODR (Third Amendment) Regulations, 2024 dated 17 May, 2024 and its Press Release - PR 36/2024 dated 18 December, 2024, it is not mandatory for the Company to undertake reasonable assurance of the BRSR Core for the 2025-26. II. Products/services 16. Details of business activities (accounting for 90% of the turnover): Description of the Description of business % of the turnover main activity activity of the entity The Company provides home loans for the purchase or Financial Services construction of residential properties and for the extension 100% and repair of existing housing units. In addition to home loans, the Company also offers loans against property. 17. Products/Services sold by the entity (accounting for 90% of the entity’s Turnover): Product/service NIC Code % of total turnover contributed Home Loans and Loan 64910 100% against Property III. Operations 18. Number of locations where plants and/or 19. Markets served by the entity: operations/offices of the entity are situated: a. Number of locations International National (No. of States) Number of plants N.A.* Number of offices 0 International (No. of Countries) Total 0 b. What is the contribution of exports as a percentage of National the total turnover of the entity? India Shelter Finance Corporation Limited does not export Number of plants N.A.* any products/ services. Thus, the question is not applicable. Number of offices 307# Total 307# *The Company operates as a Non-Banking Financial Company specialising in Housing Finance (NBFC-HFC) and, as such, does not engage in any manufacturing operations. # Excluding Registered and Corporate Office Stroper yrotutatS 62-5202 tropeR launnA detargetnI detimiL noitaroproC ecnaniF retlehS aidnI c. A brief on types of customers The Company’s primary focus is on providing affordable home loans and loans against property to low- and middle-income individuals, particularly first-time homebuyers, in Tier 2 and Tier 3 cities and towns in India. By serving these underserved markets, the Company aims to promote financial inclusion, support the government’s “Housing for All” vision, and make a positive impact on the lives of its customers. Category % of AUM in 2025-26 Self-employed Salaried 76% 24% EWS LIG 16% 54% MIG HIG 27% 3% IV. Employees 20. Details as at the end of the financial year: a. Employees and workers (including differently abled): Male Female Sr. no Particulars Total (A) No. (B) % (B/A) No. (C) % (C/A) Employees 1. Permanent (D) 4,800 4,615 96% 185 4% 2. Other than permanent (E) N.A. 3. Total employees (D + E) 4,800 4,615 96% 185 4% Workers 4. Permanent (F) 5. Other than permanent (G) N.A. 6. Total workers (F + G) *Not Applicable since the Company has no Other than Permanent employees b. Differently abled employees and workers: Male Female Sr. no Particulars Total (A) No. (B) % (B/A) No. (C) % (C/A) Differently abled employees 1. Permanent (D) 0 0 0% 0 0% 2. Other than permanent (E) N.A. 3. Total differently abled employees (D + E) 0 0 0% 0 0% Differently abled workers 4. Permanent (F) 5. Other than permanent (G) N.A. 6. Total differently abled workers (F + G) *Not Applicable since the Company has no Other than Permanent employees 21. Participation/inclusion/representation of women: Total No. and percentage of females No. (B) % (B/A) Board of Directors 7 2 29% Key Management Personnel 3 1 33% 22. Turnover rate for permanent employees and workers: (Disclose trends for the past 3 years) 2025-26 2024-25 2023-24 Male Female Total Male Female Total Male Female Total Permanent employees 40% 31% 40% 41% 38% 41% 42% 38% 42% Permanent workers N.A. *The Company does not have any permanent workers, thereby turnover rate for permanent workers is Not Applicable V. Holding, subsidiary and associate companies (including joint ventures): 23. (a) Names of holding/subsidiary/associate companies/joint ventures Name of the holding / Indicate whether Does the entity indicated [Showing first 8,000 characters — download PDF for full document]