Investor Presentation

Here is the summary of the attached file: **1. Financial Highlights:** RHFL's Q1 FY26 Net Profit reached ₹108.0 Cr (+2% YoY) on ₹440.7 Cr total income (+6% YoY). Loan book grew to ₹14,689.9 Cr (+7% YoY). Asset quality improved significantly: GNPA at 3.3% (vs 4.25% YoY) and NNPA at 1.2%, with 64.7% Stage 3 coverage.

Capital Adequacy remains robust at 38.69%. **2. Strategic Initiatives & Growth Drivers:** The company targets under-penetrated housing finance markets using innovative products.

Growth is driven by deepening reach in existing regions and geographic expansion, supported by a balanced portfolio and strong risk management. **3. Business Developments:** Q1 FY26 reported strong loan sanctions of ₹906.6 Cr (+25% YoY) and disbursements of ₹828.9 Cr (+22% YoY). The 100% retail loan portfolio is 52% non-salaried and 72% housing loans.

Operations span 12 states and 1 UT across 203 branches. **4. Market Position & Competitive Advantage:** RHFL maintains its competitive edge through professional management, experienced leadership, and low-cost operations.

Robust risk management and healthy credit ratings (AA-/Stable, A1+) underpin its market standing and funding access. **5. Investor Implications:** These results indicate positive growth potential, driven by strong asset quality improvements and consistent loan book expansion.

RHFL's healthy capital and retail focus suggest a favorable outlook for investors.