Investor Presentation

November 05, 2026 To, To, BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Dalal Exchange Plaza, C-1, Block G, Bandra Kurla Street, Mumbai- 400001 Complex, Bandra (E), Mumbai – 400 051 Scrip Code: 544044 NSE Symbol: INDIASHLTR Sub: Investor Presentation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations 2015. Dear Sir/Madam, Pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith a copy of Investor Presentation of the Company on the Unaudited Financial Results for the quarter and half-year ended September 30, 2026. The above information shall also be made available on the Company's website at https://www.indiashelter.in/investor-relations We request you to kindly take the above information on your record. Thanking you, Yours faithfully, For India Shelter Finance Corporation Limited Mukti Chaplot Company Secretary and Compliance Officer Mem. No. 38326 India Shelter Finance Corporation Limited Registered office – 6th Floor, Plot No 15, Institutional Area, Sector 44, Gurgaon, Haryana-122002 CIN: L65922HR1998PLC042782, Phone No +91-124-4131800 E-mail: customer.care@indiashelter.in, Website: www.indiashelter.in Investor Presentation Q2FY27 India Shelter Finance Corporation Limited Safe Harbor This presentation and the accompanying slides (“Presentation”), which have been prepared by India Shelter Finance Corporation Limited (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. Forward looking statements concerning the Company's future business prospects and business profitability are subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs on contracts, government policies and actions regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of the forward-looking statements become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. Q2FY27 Snapshot Gross AUM2 Employees Spread Gross Stage 3 ROA Rs. Crore 5,010 6.6% 1.5% 5.7% 11,997 23% YoY1 Disbursement States Secured Book Net Stage 3 ROE Rs. Crore 15 100% 1.2% 17.3% 1,126 21% YoY PAT Branches <15 lakhs Ticket Size3 PCR5 CRAR | Leverage Rs. Crore 146 312 25% 53.5% | 3.1 19% YoY +13 YoY Net Worth No of Accounts LTV4 Credit Cost Credit Rating6 Rs. Crore 1,47,950 52% 0.6% AA- 3,401 (Stable) Investors and Analysts can download the excel factsheet from our website 1 – AUM growth impacted by one time change in disbursement booking at realization implemented in Q1FY27 | 2 – Includes AUM and Partner’s Share in Co-Lending Loans | 3 – No of Loans | 4 – Sanctioned LTV On Gross AUM | 3 5 - PCR – Stage 3 | 6 – CARE Rating, ICRA, IND RA About the Company Business Update Tech, Credit & Risk Financials India Shelter Finance Corporation Limited Who we are What we do Deep Vintage India Shelter provides affordable home Founded in 2010, India Shelter has a 16-year loans and loan against property in Tier 2 vintage that results in deep understanding of Focus on and 3 geographies in India for last 16 years the segment Underserved Focus Segment Corporate Governance Customer Base Provides home loans to customers from Strong focus on Corporate Governance, led by low-and middle-income segments who diverse Board with extensive experience in Split by Borrower Type (Q2FY27) are building or buying their first homes. various facets of Banking and Finance Granular Portfolio with Pan Experienced Team 72% 91% 82% India presence Company is being run by experienced professional management team backed by India Shelter has strong distribution moat First Time Tier II & LIG + with its Pan-India network in 15 states via marquee investors Mortgage Tier III MIG Borrowers 312 branches and maintains a granular portfolio with ATS of ~ Rs. 11 Lacs Tech enabled Underwriting & Risk 99% 78% Tech backed and tested underwriting and risk 1,47,950 11,997 management which has remained robust Rs. Crs Women Self- through business cycles with most of the Applicant Employed Gross AUM No of Accounts business process digitized end to end Growth Journey Gross AUM (Rs. Crores) Gross AUM CAGR crosses Rs. 10,000 Crs (FY20-FY26) PAT crosses Rs. 500 Crs Crossed 300+ Branches Crossed 200+ Branches 11,044 Quarterly PAT IND RA: crosses Annual PAT Upgraded Rs. 100 Crs crosses to AA- (Stable) ICRA: Rs. 100 Crs 8,535 Upgraded Listed on to A- Gross AUM CARE: BSE, NSE Commenced (Positive) crosses Presence in Acquires Upgraded to 6,227 majority operations Rs. 1,000 Crs 15 States A+ (Positive) Opened 1st stake from Expanded Presence in Rajasthan to 5 states branch ICRA: Crossed 100 4,360 7 States in South Upgraded Branches Presence in First ICRA credit Investment Gross AUM Investment Gross AUM to A 12 states 3,073 Investment rating of from Gross AUM crosses from crosses Presence in (Stable) 2,199 by Sequoia BB+ (stable) crosses Rs. 500 Crs 8 states Rs. 200 Crs 1,520 Rs. 100 Crs 1,178 399 548 4 21 58 117 228 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Key Success Factors Curated In-house Processes Enabling Robust Asset Quality across Cycles Extensive, Diversified, Phygital 3 5 Professional Management Guided by Distribution having Pan India presence Board Comprising of Industry Veterans Technology Driven Company 2 6 Strong Focus on Governance with Scalable Model 15-yrs Vintage having Deep 1 7 Diversified, Robust Liabilities Understanding of Customer Segment Franchisee and Micro-market Experienced Board with Industry Veterans Independent Directors Chairman Parveen Gupta Rachna Dikshit Savita Mahajan Ex-MD SBI Ex-Regional Ex-Dean ISB Director RBI Sudhin Choksey Rupinder Singh Ex-MD Gruh Finance Sumir Chadha Thomson Thomas MD & CEO 35+ yrs of BFSI experience Nominee Director Ex-CIO HDFC Life Co-Founder WestBridge Professionally Managed Company Experienced Management Team with Strong Alignment of Interest with 9% ESOP Pool Rupinder Singh Ashish Gupta Sharad Pareek Nilay MD & CEO CFO CRO CHRO 23+ yrs of experience 21+ yrs of experience 25+ yrs of experience 25+ yrs of experience Rohit Gaur Aman Saini Nitin Goel Ravinder Dhillon Head Product & Strategy National Business Head Head Credit & Policy Head - Collections 23+ yrs of experience 22+ yrs of experience 22+ yrs of experience 23+ yrs of experience Abhinav Arya Iqbal Singh Aakash Jain Mukti Chaplot CIO Head Internal Audit CCO Company Secretary 20+ yrs of experience 24+ yrs of experience 17+ yrs of experience 13+ yrs of e [Showing first 8,000 characters — download PDF for full document]