Updates

HFFCIL/BSE/NSE/EQ/32/2026-27 Date: 24-06-2026 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, Dalal Street, Fort, Mumbai- 400001. Bandra (E), Mumbai- 400051. Scrip Code- 543259 Scrip Symbol- HOMEFIRST Sub: Presentation by the Managing Director and CEO at the 17th Annual General Meeting of the Members of Home First Finance Company India Limited (the “Company”) held on Wednesday, June 24, 2026. Dear Sir/Madam, Please find enclosed herewith the presentation given by Mr. Manoj Viswanathan, Managing Director and Chief Executive Officer at the 17th Annual General Meeting of the Company held on Wednesday, June 24, 2026 at 12:00 noon (IST) through Video Conferencing (“VC”) or other Audio-Visual means (“OAVM”). Request you to kindly take the same on record. For Home First Finance Company India Limited Shreyans Bachhawat Company Secretary, Compliance Officer and Head - Legal ACS NO: 26700 Home First’s 17th Annual General Meeting 24th June, 2026 Presentation by: Manoj Viswanathan, MD & CEO 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 AGM 2026 | HomeFirstFinanceCompanyIndiaLtd. Presentation Agenda Slide No About HomeFirst 04 FY26 Performance Summary 10 Opportunity & Drivers 15 Strategic Priorities 22 - Tech In Mind 23 - Scale & Growth 24 - Operational Efficiency 25 - Funding 26 - Risk Management 27 - ESG 28 Board of Directors 30 Management Team 31 3 AGM 2026 | 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. 83% of AUM comprises housing loans with an average ticket size of Rs 1.20 Mn. Strong liquidity pipeline with positive ALM and zero exposure to commercial papers. AA rated entity with a diversified lender base of 31 banks and financial institutions. Data science backed centralized underwriting integrated with Account Aggregator. Proprietary customer scoring models supported by digital data sources. Strong culture of continuous learning, innovation and improvement in productivity. Young, empowered employees with a customer centric mindset. 1,855 employees with a median age of 26 years. 13 144 1,39,171 89% 31 AA #13.6 46 Lenders States/ UT Districts Customers Loans Approved Diversified Funding Credit rating ESG Risk Score S&P Global ESG within 48hrs Source Score 373 171 ₹31,258 ₹1,58,777 (Categorizing under ‘‘Low Touchpoints Branches Liquidity buffer as on Mar’26 Risk Strong Management’) Assets Under Management (Mar’26) #Morningstar Sustainalytics 4 AGM 2026 |HomeFirstFinanceCompanyIndiaLtd. Shareholding as on 19 June’26 DIIs % Holding* FIIs & FPIs % Holding* Fidelity International 9.5 HDFC Mutual Fund 7.4 16.2% Capital Group 8.0 Kotak Mutual Fund 5.2 Norges Bank Investment Management 5.3 True North Fund V LLP 4.7 Vanguard Group 3.6 Aditya Birla Sunlife Mutual Fund 2.2 International Finance Corporation 3.4 34.1% No. of ValueQuest AIF 1.8 Goldman Sachs India Equity 3.1 Shareholders Aether (Mauritius) Limited (GIC)^ 2.3 83,602 Canara Robeco Mutual Fund 1.2 Pictet Group 1.7 ICICI Pru Life 1.2 49.7% BlackRock Global 1.7 Invesco India Mutual Fund 1.2 Lion Global Investors 1.4 Tata AIG General 1.1 Barings LLC 0.7 Mirae Mutual Fund 1.1 Kuwait Investment Authority 0.7 Envision India Fund 0.6 Sundaram Mutual Fund 1.0 WhiteOak Capital Management 0.5 DIIs ICICI Lombard 0.9 Eastspring Investments 0.5 HDFC Life 0.9 FIIs & FPIs William Blair 0.5 Edelweiss Mutual Fund 0.7 Schroders Investment Management 0.5 Public & Others ^Waverly owns100%ofAetherClassBShares.Waverlyisawholly-ownedindirectsubsidiaryofGIC(Ventures)Pte.Ltd Total ESOPs in force (as % of total paid-up capital) –Mar’26: 3.0% (Mar’25: 4.3%) * Holding through various schemes and funds including advisory mandates 55 AGM 2026 |HomeFirstFinanceCompanyIndiaLtd. Our Customers Self-Employed Self-Employed Self-Employed Customer1 Customer2 Customer3 Age:32/ Location: Jaipur, Rajasthan Age:55 / Location: Bangalore, Karnataka Age: 42 / Location: Gorakhpur, Uttar Pradesh Applicant is the owner of a court marriage Applicant is engaged in the flower business with Applicant is a medical store owner with a agency and earns up to ₹80,000 per month. a total family income of ₹37,554 per month. monthly income of around ₹33,882. She began her career as a digital marketer The applicant has been running her flower The applicant has been running his medical before moving into the matrimonial space and businessforthepastfouryears. shop for the past seven years and has has been running her own court marriage establishedastablelivelihoodforhisfamily. agency. Co-applicant is working at ANSEC Human Living with his wife and two children, he has y ResourcesServicesLtd.asaSecurityGuardand r Monthlyincomeassessedatupto₹80,000p.m. built strong customer relationships and earned o earnsacashsalaryof₹17,554 permonth. t throughself-employment. areliablereputationinthelocalcommunity. h Assessment based on self-employed income t Assessment based on self-employed income Assessment based on self-employed income s along with co-applicant’s salaried income, i andbusinesscashflows. andbusinesscashflows. t unliketraditionalfinanciers. Homeloansanctioned:₹25lakh. HomeLoan(Resale)sanctioned:₹8lakh. Plot+HomeLoansanctioned:₹10lakh. ROI of 12.70% and EMI of ₹28,756. First ROI of 14.20% and EMI of ₹10,065. First ROI of 13.65% and EMI of ₹12,182. First disbursalon30thNovember2025. disbursalon13thFebruary2023. disbursalon20thOctober2023. 6 AGM 2026 |HomeFirstFinanceCompanyIndiaLtd. Our Customers Self-Employed Formal Salaried Self-Employed Customer4 Customer5 Customer6 Age: 36 / Location: Ankleshwar, Gujarat Age: 38 / Location: Dehradun, Uttarakhand Age: 42 / Location: Hyderabad, Telangana Applicant is a labour contractor and self-employed tiles Applicant is working as Head Chef at a 5-star hotel in Applicant is a tea stall owner with a monthly fitt [Showing first 8,000 characters — download PDF for full document]