Investor Presentation

HFFCIL/BSE/NSE/EQ/50/2026-27 Date: 27-07-2026 To, To, BSE Limited, The National Stock Exchange of India Limited, Department of Corporate Services, The Listing Department, Phiroze Jeejeebhoy Towers, Bandra Kurla Complex, Dalal Street, Mumbai- 400001. Mumbai- 400 051. Scrip Code- 543259 Scrip Symbol- HOMEFIRST Sub: Investor Presentation on the Reviewed Financial Results for the quarter ended June 30, 2026. Dear Sir/Madam, In pursuance 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 ended June 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 Q1FY27 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 – Q1 FY27 | Home First Finance Company India Ltd. Executive Summary | Q1FY27 y-o-y q-o-q Assets Under Management (AUM) Disbursement Gross Stage 3 / POS (GNPA) ₹1,69,379 Mn ₹16,284 Mn 1.8% +25.7% +6.7% +31.0% +3.6% 0 bps 0 bps Spread(1) Opex to Assets DPD 30+ / POS 5.3% 2.8% 3.2% +20 bps 0 bps +10 bps +10 bps -30 bps 0 bps Profit After Tax (PAT) Return On Assets (ROA) Return On Equity (ROE) ₹1,599 Mn 4.2% 14.5% +34.5% +7.0% +50 bps +10 bps -40 bps +50 bps (1) As per IGAAP. Excludes Co-lending 3 Investor Presentation – Q1 FY27 | Home First Finance Company India Ltd. MD & CEO Commentary on Q1 FY27 “As we begin FY27, the Indian economy continues to exhibit strong underlying momentum. Stable domestic consumption, range bound inflation, steady policy rates and improving liquidity have created a supportive environment for credit growth. While geopolitical developments and global macro uncertainties continue to warrant close monitoring, the domestic operating environment for affordable housing finance remains favourable, supported by resilient customer demand. With this as the backdrop, HomeFirst delivered a strong start to the year. Assets Under Management grew by 25.7% year-on-year to ₹16,938 crore, while disbursements reached a record ₹1,628 crore during the quarter. Growth was broad-based across geographies and distribution channels, reflecting the strength of our customer franchise, disciplined execution and continued demand within our target customer segment. Profitability remained healthy during the quarter. Profit after tax stood at ₹160 crore, growing 34.5% year-on-year and 7.0% sequentially. Net Total income increased to ₹332 crore, up 29.9% year-on-year and 7.1% quarter-on-quarter, supported by healthy business growth, improving operating leverage and stable asset quality. Return on Assets remained healthy at 4.2%, while Return on Equity stood at 14.5%. Our margins remained resilient during the quarter, supported by disciplined pricing and prudent liability management. Spreads ex co-lending remained stable, demonstrating the strength of our granular retail franchise and diversified funding profile. We continued to invest in strengthening our distribution capabilities. During the quarter, we added 4 new branches, taking our network to 175 branches and 373 touchpoints across the country. We also added 133 net employees, primarily in customer-facing roles, taking our total employee strength to 1,988. Asset quality remained stable despite continued strong growth. Collection efficiency remained healthy, with 1+ DPD at 4.7%, 30+ DPD at 3.2% and Gross Stage 3 at 1.8%, reflecting stable asset quality quarter-on-quarter. Credit cost remained well contained at 40 basis points during the quarter, reflecting the resilience of our underwriting framework, disciplined portfolio monitoring and strong collection capabilities. We also continued to build on our Green Homes initiative by certifying an additional 100 homes during the quarter, taking the cumulative number of certified homes to 550 as of June 2026. While modest in scale, the initiative underscores our efforts to integrate sustainability within affordable housing. Looking ahead, we remain optimistic about the opportunities in the affordable housing finance sector. Structural demand drivers remain firmly in place, supported by favourable demographics, increasing formalisation of incomes, urbanisation and continued policy support for housing. We are seeing healthy business momentum across our markets and remain confident of delivering ~25% AUM growth while maintaining our focus on profitability, portfolio quality and operating efficiency. With a strong capital position, a diversified funding franchise and a scalable operating platform, we believe HomeFirst is well positioned to continue creating sustainable long- term value for all stakeholders.” 4 Investor Presentation – Q1 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. 83% of AUM comprises housing loans with an average ticket size of Rs 1.21 Mn. Strong liquidity pipeline with positive ALM and zero exposure to commercial papers. AA rated entity with a diversified lender base of 32 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. 1,988 employees with a median age of 26 years. 13 145 1,45,117 85% 32 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 373 175 ₹22,724 Mn ₹1,69,379 Mn (Categorizing under ‘‘Low Touchpoints Branches Liquidity buffer as [Showing first 8,000 characters — download PDF for full document]