Investor Presentation on the Reviewed Financial Results of the Company for the quarter and half year ended September 30, 2026

HFFCIL/BSE/NSE/EQ/NCD/91/2026-27 Date: 27-10-2026 To, To, BSE Limited, The National Stock Exchange of India Limited, Department of Corporate Services, The Listing Department, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Bandra Dalal Street, Fort, Mumbai- 400001. (E), Mumbai- 400051. Scrip Code - EQ:543259 NCD:978097 Scrip Symbol- HOMEFIRST Sub: Investor Presentation on the Reviewed Financial Results for the quarter and half year ended September 30, 2026. Dear Sir/Madam, In terms of Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith a copy of Investor Presentation of the Company on the Reviewed Financial Results for the quarter and half year ended September 30, 2026. This Investor Presentation may also be accessed on the website of the Company at www.homefirstindia.com This is for your information and records. For Home First Finance Company India Limited Shreyans Bachhawat Company Secretary, Compliance Officer and Head – Legal ACS NO: 26700 Home First Finance Company Investor Presentation Q2FY27 Safe Harbour This presentation and the accompanying slides (the "Presentation"), which have been prepared by Home First Finance Company India Ltd. (the "Company"), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. 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 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. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. This presentation includes a number of forward-looking statements regarding the Company's future business prospects and profitability, which are subject to a number of risks and uncertainties, and the actual results may significantly differ from those in the forward-looking statements. Risks and uncertainties related to these statements include fluctuations in earnings, our capacity to manage growth, competition, economic growth in India and abroad, ability to attract and retain highly skilled professionals, government policies and actions. The Company does not commit to making any announcement or update any forward-looking statements made by or on behalf of the Company at any time. 2 Investor Presentation – Q2 FY27 | Home First Finance Company India Ltd. Executive Summary | Q2FY27 y-o-y q-o-q Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,80,098 Mn ₹17,048 Mn 1.7% +27.0% +6.3% +32.2% +4.7% -20 bps -10 bps Spread(1) Opex to Assets DPD 30+ / POS 5.2% 2.6% 3.2% -10 bps -10 bps 0 bps -20 bps -50 bps 0 bps Profit After Tax (PAT) Return On Assets (ROA) Return On Equity (ROE) ₹1,702 Mn 4.2% 14.9% +29.1% +6.5% +40 bps 0 bps +150 bps +40 bps (1) As per IGAAP. Excludes Co-lending 3 Investor Presentation – Q2 FY27 | Home First Finance Company India Ltd. MD & CEO Commentary on Q2 FY27 “HomeFirst delivered a strong operating performance in Q2 FY27, sustaining healthy business momentum alongside profitability and stable asset quality. The quarter was marked by highest ever disbursements, continued expansion of our distribution franchise and disciplined execution across our markets. As our business scales, our focus remains on translating portfolio growth into sustainable earnings while maintaining underwriting standards and operating efficiency. AUM increased by 27.0% year-on-year to ₹18,010 crore, while quarterly disbursements reached a high of ₹1,705 crore. Growth was supported by healthy customer demand across our target segments, deeper penetration in existing markets and continued investments in our distribution network. Importantly, business momentum was accompanied by strong earnings growth, reflecting our focus on scaling the franchise while maintaining profitability and portfolio quality. Profit After Tax increased by 29.1% year-on-year and 6.5% sequentially to ₹170 crore, outpacing AUM growth of 27.0%. Net Total Income grew by 23.9% year- on-year and 3.3% quarter-on-quarter to ₹343 crore. Return on Assets remained healthy at 4.2%, while Return on Equity stood at 14.9%. Our focus remains on sustaining this relationship between portfolio and earnings growth through disciplined pricing, cost management and efficient capital deployment, while continuing to invest in the franchise. Our cost-to-income ratio stood at 30.8%, compared with 32.7% in the preceding quarter, reflecting our continued focus on operating productivity as the business scales. Spreads, excluding co-lending, moderated by 10 basis points during the quarter. We continue to actively manage asset pricing, funding costs and liability mix, supported by our granular retail portfolio and diversified funding relationships. During the quarter, we added six branches, taking our network to 181 branches and 379 touchpoints. We also added 26 employees on a net basis, primarily in customer-facing roles, bringing our total employee base to 2,014. Asset quality remained stable, reflecting our continued emphasis on prudent underwriting and proactive collections. Early-stage delinquency indicators remained contained, with 1+ DPD at 4.7% and 30+ DPD at 3.2%, while Gross Stage 3 reduced by 10 basis points sequentially to 1.7%. Credit cost remained contained at 40 basis points during the quarter. As the portfolio grows, our emphasis remains on prudent risk selection, early identification of potential stress and consistent collection discipline to preserve the underlying quality of the loan book. Our Green Homes initiative also progressed during the quarter, with an additional 100 homes certified, taking the cumulative total to 650 as of September 2026. Through this initiative, we continue to promote environmentally responsible housing practices and progressively integrate sustainability considerations into our core business activities. This commitment was recognised, with HomeFirst winning the 'ESG & Financial Inclusion' award in the NBFC category at ASSOCHAM's 21st Annual Summit & Awards on Banking & Financial Sector Lending Companies, reaffirming our focus on financial inclusion, responsible business practices and sustainable, long-term value creation. The long-term opportunity in affordable housing finance remains substantial, supported by unmet housing demand, rising homeownership aspirations, urbanisation and increasing formalisation of incomes. Our presence across key markets, expanding distribution network and technology-enabled operating platform provide a foundation to deepen customer penetration and progressively enhance operating productivity. Our priorities for the remainder of FY27 are clear: sustain growth momentum, preserve portfolio quality, protect profitability and improve operating efficiency. As our franchise continues to scale, our emphasis remains on converting business growth into consistent earnings, healthy returns and long-term shareholder value.” 4 Investor Presentation – Q2 FY27 | Home First Finance Company India Ltd. HomeFirst – Who are We? Technology driven affordable housing finance company with pan India presence. Hub and spoke distribution covering 80% of the affordable housing market in the country. Home loans to first time home buyers with predominant focus on families with a monthly income of < Rs 50,000 p.m. 84% of AUM [Showing first 8,000 characters — download PDF for full document]