Equitas Holdings Limited

Investor Presentation
Q3FY17

1
 Mission
Empowering through Financial Inclusion

Vision
To Serve 5% of Indian Households by 2025

Values
Fair and Transparent

2
 Highlights Q3FY17

Rs.7,181 Cr Rs.760 Cr Rs.44.9 Cr 10.5%

AUM* Total deposits PAT NIM

Rs.1,166 Cr 6,523 8.18% 10.2%

Disbursement No. of accounts** ROE Borrowing cost

Micro Finance 2.46% 605 12,694

98.4% Gross NPA Asset Branches Total Employees
Quarterly collection efficiency

1.65% 112 2,691

1.02%
PAR > 30 days past due Credit Cost Liabilities Branches Liabilities Employees

* AUM is Advances Under Management

** - CASA & TD 3
 Impact of Demonetisation on Equitas Q3FY17
Overall disbursement down 24% QoQ
Micro Finance (MF) disbursement down 25%; disbursement shifts to 100% bank mode post demonetisation
Vehicle Finance disbursement down 14%; MSE offerings disbursement down 37%
Delinquency and Collection efficiency impacted
MF quarterly collection efficiency at 98.4% vs. 99%+ previously, due to impact in certain geographies
Portfolio at Risk (PAR>1 dpd) increased to 3.85% of total MF portfolio
Total number of delinquent customers touch 1.46 lakh as on 31 Dec
Equitas has followed RBI special dispensation on Asset classification, providing additional 60 days for HF
portfolio and 90 days for other products, for the recognition of substandard loans
Banks GNPA at 2.46% vs. 2.98% GNPA, if dispensation had not been utilised
Consequent to the Micro Finance collection efficiency impact, in certain geographies, additional NPA provision
of Rs.15 Crore has been made in Q3FY17 enhancing the Provision Coverage to 68.6%
Banks Credit cost at 1.65% vs. 0.81% without additional provision
NNPA at 0.77% vs. 1.03% without additional provision

4
 Impact on Micro Finance portfolio
Collection efficiency Monthly & Quarterly cumulative Principal at Risk (PAR)
Region Oct Nov Dec Q3FY17 5% 150
136
Tamil Nadu 99.4% 99.4% 99.3% 99.7% 4% 100
40 1.02%
Maharashtra 99.6% 97.1% 83.4% 93.2% 3% 20 50

Karnataka 99.5% 99.1% 91.2% 96.7% 2% 0

2.83%
Madhya Pradesh 98.9% 97.8% 92.2% 96.4% 1% 0.30% -50
0.28%
0.80%
Other States 99.3% 99.0% 97.8% 98.8% 0% 0.27% -100
Oct Nov Dec
Overall 99.4% 99.0% 96.2% 98.4% 1-30 days >30 days Total PAR (Rs. Cr)

Centre level collections Monthly Disbursement (Rs. Cr)

10% 100%

8% 97.1% 96.1% 90.2% 80%

6%
7.0% 60% 294 -41%
3.4%
4% 2.6% 2.8% 40% 120%
168 172 172
2% 0.5% 20%
0.3% 132
0% 0% 78
Oct Nov Dec
Total Disbursement Bank mode disbursement
Zero Collection Partial Collection Full Collection (RHS)
Oct Nov Dec

5
Micro Finance collection trend Nov & Dec 16

MF billing efficiency trend = Collections against current month EMI / Current month EMI due (%)

99.26% 99.29%

96.81%

96.62%
96.31%

Nov Dec 26-Jan

November billing efficiency December billing efficiency

6
 Collection impact - Other products Oct to Dec 16
Collections trend Collections against current month EMI / Current month EMI due (%)

Vehicle Finance Housing Finance Loan against Property Micro-Loan against Property
98.8% 97.5% 97.5%

91.4% 91.7% 90.9% 91.5%

89.4% 88.4%
84.5%
82.3% 81.0%

1 2 1 2
Oct Nov Dec Oct Nov Dec

7
 Impact on Asset quality
RBI dispensation on Asset classification
GNPA (Rs. Cr) calculated based on RBI dispensation on Asset classification

Q3FY17
Q3FY17
GNPAGNPA

GNPA (%) for Q3FY17 and difference if RBI dispensation for asset classification had not been utilised

1.33%
0.93%

0.52%
6.07%
0.28% 5.21%
2.46% 0.06%
1.47%
0.27%
ESFB MF VF MSE HF
offerings
GNPA with dispensation reduction due to dispensation
Consolidated Financial Overview

9
 Consolidated Financial Overview
Rs.1,166 Cr Rs.7,181 Cr Rs.8,631Cr Rs.760 Cr
Disbursement AUM Assets Deposits

-17% YoY 30% YoY 49% YoY 2.3% CASA

Q3FY17

Rs.230.7 Cr Rs.170.9 Cr Rs.29.4 Cr Rs.44.9 Cr

NII Opex Provisions PAT
48% YoY 80% YoY 106% YoY 4% YoY

Rs.4,101 Cr Rs.635.6 Cr Rs.425.1 Cr Rs.99.7 Cr Rs.152.5 Cr

9MFY17 Disbursement NII Opex Provisions PAT
12% YoY 48% YoY 67% YoY 124% YoY 27% YoY

10
 Consolidated Key Ratios
10.5% 63.1% 8.18% 30.2%
[11.3%] [53.7%] [13.55%]

NIM Cost / Income ROAE Tier 1

14.8% 7.8% 2.04% 33.1%
Non-interest [6.9%] [3.13%]
Q3FY17 CAR
income/Net income Cost / Assets ROAA

2.46% 0.77% 68.6% 1.65%

[27.0%] [1.10%]
GNPA NNPA PCR Credit cost

11.3% 17.0% 55.5% 11.41% 2.71%

9MFY17 Non-interest income/
NIM Total Income Cost / Income ROAE ROAA

[] figures in brackets pertain to Q3FY16 11

Consolidated Financial Performance

12
 Consolidated Balance Sheet
Rs. Cr Dec 16 Dec 15 YoY % Sep 16 QoQ % March 16
Capital & Liabilities
Share Capital 337.22 269.46 25% 336.96 0% 269.92
Reserves & Surplus 1,883.50 1,023.42 84% 1,837.65 2% 1,071.43
Net Worth 2,220.72 1,292.88 72% 2,174.60 2% 1,341.35
Borrowings 5,822.25 4,154.88 40% 6,152.77 (5%) 4,683.28
Other Liabilities & Provision 588.38 348.89 69% 683.97 (14%) 481.91
Total Capital & Liabilities 8,631.35 5,796.65 49% 9,011.34 (4%) 6,348.94
Assets
Cash and Bank Balance 769.93 280.12 175% 734.65 5% 946.97
Investments 1,393.87 176.30 691% 1,821.72 (23%) 11.87
Advances 5,886.89 5,013.88 17% 5,654.81 4% 5,070.21
Fixed Assets 234.81 50.93 361% 161.13 46% 65.78
Other Assets 345.85 275.42 26% 639.02 (46%) 254.11
Total Assets 8,631.35 5,796.65 49% 9,011.34 (4%) 6,348.94
AUM [On Book + Off Book] 7,180.61 5,505.19 30% 7,078.72 1% 6,124.72

13
 Consolidated Profit & Loss
Rs. Cr Q3FY17 Q3FY16 YoY % Q2FY17 QoQ % 9MFY17 9MFY16 YoY %
Interest Income 383.82 271.01 42% 356.20 8% 1,065.92 738.79 44%
Finance Cost 153.15 115.35 33% 155.58** (2%) 430.28 308.27 40%
Net Interest Income 230.67 155.66 48% 200.62 15% 635.64 430.52 48%
Other Income 40.20 20.81 93% 66.63# (40%) 129.77 55.91 132%
Net Income 270.86 176.47 53% 267.25 1% 765.41 486.43 57%
Operating Expenses 170.88 94.82 80% 140.80 21% 425.06 254.71 67%
Profit before Provisions 99.99 81.66 22% 126.46 (21%) 340.35 231.72 47%
Credit Cost 29.41 14.27 106% 52.77 # (44%) 99.74 44.50 124%
Profit Before Tax 70.58 67.39 5% 73.69 (4%) 240.61 187.22 29%
Provision for Taxation 25.63 24.35 5% 27.35 (6%) 88.15 66.86 32%
Profit After Tax 44.94 43.04 4% 46.35 (3%) 152.46 120.36 27%
Q3FY17 Notes:
* - Credit cost includes Rs.15 Cr additional provision made
Q2FY17 Notes:
** - Finance Cost includes Rs.11.1 Cr pre-closure charge on Term Loans repaid; # - Other income includes Rs.37.9 Cr Standard
Assets Provision reversal and Credit Cost includes Rs.38.1 Cr additional NPA provision & Floating Provision

14
 Consolidated Key Ratios
Net Interest Margin (NIM) Cost / Avg. Assets

7.8%
#
1.0% 7.2%
7.0% 6.9% 7.0%
6.9%
6.7%
12.1% 12.6%
11.3% 11.1% 11.3% 10.5%
10.3%

FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17 FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17
Credit cost Cost / Income

63.1%
58.6%
1.39%** 55.0% 53.6% 53.0% 53.7%
49.9%

1.55% 1.71% 1.65%*

0.93% 1.17% 1.10% 1.11%

FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17 FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17

* Q3FY17 credit cost includes Rs.15 Cr of additional provision

# Excluding excess Standard Assets provision written back & pre-closure charges paid on term loans
15
** Additional one time provision and floating provision
 Consolidated Key Ratios (contd.)
Return on Avg. Assets (ROAA) Gearing - Avg. Assets / Avg. Equity

3.3x 3.3x
0.69%* 3.0x
2.8x 2.8x 2.8x
3.78% 2.7x
3.23% 2.96% 3.09% 3.13%
2.37% 2.04%

FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17

FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17
Return on Avg. Equity (ROAE) Asset Quality Gross NPA

2.54% 2.46%
2.51%*
13.31% 13.55% 14.21% 1.61%
12.25% 1.34% 1.33%
11.15%
1.08%
8.67% 8.18% 0.73%

FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17 FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17

* One-time bank transition impact 16

 Asset quality evolution

160 GNPA (Rs. Cr) NNPA (Rs. Cr) GNPA % (RHS) NNPA % (RHS) ( Including FP) 3.0%
2.54%
140 2.46% 2.5%
120
2.0%
100 144 145
1.61%
80 1.34% 1.5%
1.14% 1.17%
60 0.94%
1.0%
92 0.77%
40
68
0.5%
20
48 65 85 79
0 0.0%
Mar-16 Jun-16 Sep-16 Dec-16
RBI banking norms of
150 day NPA 120 day NPA NPA recognition
recognition recognition 90 day NPA recognition and
repossessed assets form part of
NPA as a Bank

GNPA 2.46% after utilisation of RBI dispensation; 2.98% if dispensation not utilised
NNPA 0.77% after additional provision of Rs.15 Cr during the quarter; 1.03% w/o additional provision 17
 Funding profile
As on 30 Sep 2016 As on 31 Dec 2016

9.6% 1.8% 12.6% 13.6%

Term Loans
4.4%
26.7%
Refinance 9.6%

Debenture
4.6% 22.8%
Sub-ordinated Debt

35.3% Commercial Paper

22.2%
CASA & TD 36.8%

Funding cost evolution

12.2%
11.8% 11.8% 11.6%
11.0%
10.7%
10.2%

Q1FY16 Q2FY16 Q3FY16 Q4FY16 Q1FY17 Q2FY17 Q3FY17

18
 Credit segments overview
Advances under management (AUM) (Rs. Cr) Credit offerings and Q3FY17 AUM composition

Micro
7,079 7,181 Finance - 49%

6,125 Vehicle
Finance - 29%
5,505
M-LAP 17%
LAP 4%
4,010
Housing
Finance 4%
2,486
Business
1,484 Loans 0.3%

Gold loans
New
Products
FY13 FY14 FY15 FY16 Q3FY16 Q2FY17 Q3FY17 Two-Wheeler
Micro Vehicle Micro Loan Loan Business 2-wheeler Gold Agri Housing loans
Finance Finance against Property against Property Loan Loan Loan Loan Finance
Agri Loans
0.2%

19
 Credit segments overview (contd)
Total Disbursement (Rs. Cr)
6,000 1800
5,194 1,544
5,000 1,411 1500

4,000 1,166 1200

3,606
3,000 900
2,384
2,000 1,488 600

1,000 300

- 0
FY13 FY14 FY15 FY16 Q3FY16 Q2FY17 Q3FY17
Credit quality

3.10% *

2.46%

2.54%
1.33%
1.65%
1.10%
Q3FY16 Q2FY17 Q3FY17
GNPA Credit cost

* Additional one time provision and floating provision 20

 Micro Finance
AUM (Rs. Cr) Disbursement (Rs. Cr)

902
3,614 3,545 846

2,935
634

Q3FY16 Q2FY17 Q3FY17 Q3FY16 Q2FY17 Q3FY17

Credit quality Operational parameters

0.4% 0.8%
Micro Finance As of 31 Dec 2016
0.63%
0.27%
0.3% 0.25% 0.6% Average Loan size Rs.22,000
0.2% 0.4% No. of customers 30 lakh
0.17%
0.34%
0.1% 0.14% 0.2%
No. of locations 411
Rate of Interest (current average) 22%
0.0% 0.0%
Q3FY16 Q2FY17 Q3FY17 Average Yield 20.4%
GNPA Credit cost

21
 Used Commercial Vehicle Finance
AUM (Rs. Cr) Disbursement (Rs. Cr)

1,865
1,771 424
365
1,406 312

Q3FY16 Q2FY17 Q3FY17 Q3FY16 Q2FY17 Q3FY17

Credit quality Operational parameters

8.0%
UCV Finance As of 31 Dec 2016
6.69%
6.07% 3.1%
2.47% Average Loan size Rs.3,75,000
6.0%
2.40% 2.1% No. of customers 64,190
2.06%
4.0% 3.80% No. of locations 171
1.1%
Rate of Interest (current average) 18-24%
2.0% 0.1%
Q3FY16 Q2FY17 Q3FY17 Average Yield 20.8%
GNPA Credit cost (RHS)

22
 MSE offerings (Micro LAP, LAP, Business, Two-Wheeler, Gold & Agri Loans)
AUM (Rs. Cr) Disbursement (Rs. Cr)

1,430 1,507 251

171 158
936 8%
1%
0.5% 11%
7%

73%
Q3FY16 Q2FY17 Q3FY17 Q3FY16 Q2FY17 Q3FY17
Micro Loan Loan Business 2-wheeler Gold Agri Micro Loan Loan against Business 2-Wheeler Gold Agri
against Property against Property Loan Loan Loan Loan against Property Property Loan Loan Loan Loan

Credit quality Operational parameters

1.6% 1.46% 1.47% 0.4%
MSE Offerings As of 31 Dec 2016
0.29% 0.29%
1.2% 0.3% Average Loan size Rs.2,00,000
0.18% No. of customers 84,214
0.8% 0.2%

0.4% 0.1%
Rate of Interest (current average) 17-24%
0.31%
Average Yield 17.5%
0.0% 0.0%
Q3FY16 Q2FY17 Q3FY17
GNPA Credit cost (RHS)

23
 Housing Finance
AUM (Rs. Cr) Disbursement (Rs. Cr)
264 264 26
23

229 10

Q3FY16 Q2FY17 Q3FY17 Q3FY16 Q2FY17 Q3FY17

Credit quality Operational parameters

6.0% 2.0%
1.80% Housing Finance As of 31 Dec 2016
4.86% 5.21%
Average Loan size Rs.5,90,000
4.5% 1.5%
No. of customers 4,857
3.0% 3.02% 1.0%
0.70%
0.80% No. of locations 23
Rate of Interest (current average) 11-14%
1.5% 0.5%
Q3FY16 Q2FY17 Q3FY17 Average Yield 17.7%
GNPA Credit cost (RHS)

24
 Liabilities
Update as of 31 Dec 2016 Product offerings banking, digital and others
112 liabilities branches active and operational Savings Internet
6,523 deposit accounts opened Accounts Banking
Rs. 760 Cr total deposits
CASA 2.3% Current Cards
Accounts (Debit / Credit)
2,691 branch banking employees on boarded
40 ATMs operational NRI
Wallet
Internet and Mobile banking launched during Q3FY17 Accounts
NEFT / RTGS / IMPS launched during Q3FY17
Term Mobile
3rd party products sale commenced - Life & Gen. Insurance and Mutual Funds
Deposits banking app
ICC World No.1 Cricket all rounder Ravichandran Ashwin signed up as
brand ambassador
Investments ATM
(3rd party)
Key personnel on-boarding
Head of Outreach Banking (Business Correspondents) Insurance Passbook
Head of Housing Finance (3rd party) Kiosks
Head of Banking Customer Service
Customized Cheque Deposit
Payments Machines

25
 Presence across India
Region-wise No. of Liability locations as of Dec 31 2016 Region-wise No. of Asset locations as of Dec 31 2016

Region Total Region MF UCV HF Total

South 81 South 207 86 20 313

West 9 West 147 55 3 205

North 22 North 57 30 - 87

Grand Total 112 Grand Total 411 171 23 605

26
 Equitas Technologies Private Limited [ETPL] - Highlights

Transactions
Driver App
Off-line are only intra- Full Operational
Operations rolled out in
operations city technology revenue Q3
started Q3. Supplier
currently in 3 movements led - Rs.27 Lakh
effective App likely by
cities in Tamil and volumes operations by and Net Loss
middle of Q2 February
Nadu growing end Q1FY18 of Rs.133 lakh
2017
steadily

27
CSR Initiatives Social impact continues

28
 Corporate Social Responsibilities
EDIT Equitas Development Initiatives Trust
Set up in 2008 and supervised by eminent trustees, Equitas believes
social initiatives also enables it to engage better with underbanked
communities that it works with
Group CSR Policies
Group has a policy to contribute up to 5% of PAT to CSR activities
and Rs.2,000 per branch per month may be allocated for primary
health care and skill development of customers
Medical awareness and preventive healthcare programs
4.5mn beneficiaries from health and eye care camps
7 English-medium board schools
5000+ children from low-income households enrolled
Job fairs for candidates form economically weaker sections
81,000+ candidates previously unemployed placed in jobs

CSR contribution (Rs. mn) Equitas Birds Nest Pavement dwellers rehabilitation program
60 55.4
1,000+ families rehabilitated to organized housing
50
Skills development program
40
34.0
28.3
430,000+ people trained on cottage livelihood skills
30

20
13.8 Equitas DhanyaKosha (EDK)
10
Rs.2.6mn per month benefit to customers via 24 non-profit stores
0
FY13 FY14 FY15 FY16

29
 Equitas Social Initiatives

Cumulative since
Particulars FY16 Q2FY17 Q3FY17
inception

No. of beneficiaries in health camps 864,384 207,156 200,072 4,351,361

No. of spectacles provided [free of cost] 11,690 2,595 2,340 90,167

No. of cataract operations [free of cost] 1,563 517 483 27,478

No. of people trained on cottage livelihood skills 41,268 9,405 8,033 435,631

No. of unemployed youth placed in jobs 26,320 7,334 10,027 81,855

No. of families living on pavements rehabilitated 362 107 167 1,069

No. of children studying in the 7 Equitas schools 4,142 5,043 5,043 N.A.

30
 Annexures &
General Information

31
 EHL - Shareholding Pattern
As of Oct 14, 2016 As of Jan 27, 2017

Banks, Trust, Banks, Trust,

NBFC, FI, 2.1% NBFC, FI, 5.0%
Bodies
Mutual Bodies Mutual Corporate,
Funds, Corporate, Funds, 7.8%
27.4% 10.4% 29.1%
Resident Resident
Other, Other, Individual,
Individual,
13.4% 13.3% HUF, 11.8%
HUF, 11.9%
Foreign Foreign
Investors, Investors,
46.7% 44.8%
Employees, Employees,
1.5% 1.5%

32
 Financial Overview Q3FY17

Equitas Group
AUM - Rs.7,181 Crore
Holdings standalone PAT Rs.1.3 Crore
PAT - Rs.44.9 Crore

ESFBL
ETPL
AUM - Rs.7,181 Crore
Loss Rs.1.3 Crore
PAT - Rs.44.9 Crore

Vehicle Finance Micro Finance MSE offerings Housing Finance

Disbursement Rs. 365 Crore Disbursement Rs. 634 Crore Disbursement Rs. 158 Crore Disbursement Rs. 10 Crore
AUM Rs.1,865 Crore AUM Rs.3,545 Crore AUM Rs.1,507 Crore AUM Rs.264 Crore

33
 Key Indicators
YoY
Profitability [Rs. Cr] FY13 FY14 FY15 FY16 Q3FY16 Q3FY17 Q2FY17 QoQ Growth
Growth
Gross Interest Income 255 436 687 1,014 271 384 42% 356 8%
Finance Cost 108 190 295 436 115 153 33% 156 (2%)
Net Interest Income 147 246 392 578 156 231 48% 201 15%
Other Income 29 48 69 101 21 40 93% 67 (40%)
Net Income 176 294 461 679 176 271 53% 267 1%
Opex 127 162 247 360 95 171 80% 141 21%
Credit Cost 9 18 50 59 14 29 106% 53 (44%)
PBT 40 114 164 260 67 71 5% 74 (4%)
Tax 8 40 57 93 24 26 5% 27 (6%)
PAT 32 74 107 167 43 45 4% 46 (3%)
Key Ratio
ROA 2.27% 3.23% 2.96% 3.05% 3.13% 2.04% 2.37%
ROE 8.24% 12.25% 11.15% 13.31% 13.55% 8.18% 8.67%
Gearing Ratio [No. of times] 2.64 2.79 2.77 3.37 3.33 3.01 2.65
EPS [Basic] 2.10 3.99 4.48 6.21 4.47 4.60 3.27
Book Value Per Share [*] 81.70 102.13 43.54 49.69 47.98 65.85 64.54

* FYs 13 & 14 - not adjusted for Bonus Shares issued in June 2014 [2 shares for every 1 held] 34
 Disbursement

Disbursement Segment-wise Disbursement - State-wise

Particulars FY14 FY15 FY16 Q3FY17 Particulars FY14 FY15 FY16 Q3FY17
Tamil Nadu 57.0% 57.7% 56.7% 56.5%
MF 63.1% 59.0% 61.1% 54.3%
Maharashtra 17.4% 14.8% 14.5% 13.7%
UCV 30.5% 25.0% 22.9% 31.3% Karnataka 4.3% 6.4% 8.0% 6.2%
MP 6.6% 5.7% 4.7% 4.0%
MSE offerings 3.8% 12.9% 14.0% 13.5%
Rajasthan 5.4% 4.2% 4.0% 3.7%
HF 2.6% 3.1% 2.0% 0.9% Gujarat 5.1% 3.5% 4.2% 3.6%
Others 4.2% 7.6% 7.9% 12.4%
Total 100.0% 100.0% 100.0% 100.0% Grand Total 100.0% 100.0% 100.0% 100.0%

Others include: Puducherry, Chhattisgarh, Haryana, Punjab,

Andhra Pradesh, Telangana

35
 Segment-wise Advance under Management [AUM]
CAGR [FY16 YoY
AUM [Rs. Cr] FY13 FY14 FY15 FY16 Q3FY16 Q3FY17
over FY13] Growth
Micro Finance
On Book 864 1,186 1,623 2,576 2,655 2,781 4.7%
Off Book 270 317 521 707 280 764 173.0%
Micro Finance - AUM 1,135 1,503 2,144 3,283 42.5% 2,935 3,545 20.8%
% of Total AUM 76.5% 60.5% 53.5% 53.6% 53.3% 49.4%
UCV
On Book 305 756 1,151 1,510 1,403 1,778 26.7%
Off Book - 45 25 - 2 87 3,501.6%
UCV - AUM 305 801 1,175 1,510 70.5% 1,406 1,865 32.7%
% of Total AUM 20.5% 32.2% 29.3% 24.7% 25.5% 26.0%
MSE offerings
On Book - 87 511 739 726 1,064 46.5%
Off Book - - - 348 209 443 111.8%
MSE offerings AUM - 87 511 1,087 252.5% 936 1,507 61.1%
% of Total AUM 0.0% 3.5% 12.7% 17.8% 17.0% 21.0%
Housing Finance
On Book 45 94 180 246 76.6% 229 264 15.2%
% of Total AUM 3.0% 3.8% 4.5% 4.0% 4.2% 3.7%
Total
On Book 1,213 2,123 3,465 5,070 5,014 5,887 17.4%
Off Book 270 363 545 1,055 491 1,294 163.3%
Total AUM 1,484 2,486 4,010 6,125 60.4% 5,505 7,181 30.4%

36
 Disbursement & AUM
Disbursement (Rs. Cr) AUM (Rs. Cr)
7,079 7,180
5,194
264 264
104 6,125 6,559

726 246 257

5,505 1,507
1,430
229 1,245
3,606
1,087
112 1,191
936
2,384 4,010
1,771 1,865
463 1,614
180
1,510
61 511 1,406
902
2,486
90 1,544
1,411 1,391 94 1,175
728 1,166 87
26 23
3,173 24
251 10 801 3,614 3,545
171 217 3,283 3,442
2,129 312 424 158 2,935
348
1,505 365 2,144
1,503
902 802 846 634

FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17 FY14 FY15 FY16 Q3FY16 Q1FY17 Q2FY17 Q3FY17
MF UCV MSE HF
offerings MF UCV MSE HF
offerings

37
 Disclaimer
The information in this document, including facts and figures, is being provided by the Company for informational purposes only
and could be subject to change without notice. The information has also not been independently verified. No representation or
warranty, express / implied, is made as to the accuracy, completeness or fairness of the presentation and the information contained
herein and no reliance should be placed on such information. The Company or any other parties whose name appears herein shall
not be liable for any statements made herein or any event or circumstances arising therefrom.

This presentation or any part of it or the fact of its, form the basis of, or be relied on in connection with, any contract or
commitment therefor.

This document has not been and will not be reviewed or approved by any statutory or regulatory authority in India or any other
jurisdiction or by any stock exchanges in India or elsewhere. This document and the contents hereof are restricted for only the
intended recipient(s). This document and the contents hereof should not be (i) forwarded or delivered or transmitted in any manner
whatsoever, to any other person, other than the intended recipients(s); or (ii) reproduced in any manner whatsoever. Any
forwarding, distribution or reproducing of this document in whole or in part is unauthorised.

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 Disclaimer [contd.]
Forward Looking Statements

Certain statements in this document with words or phrases such as will, should etc., and similar expressions or variation of
these expressions or those concerning our future prospects are forward looking statements. Actual results may differ
materially from those suggested by the forward looking statements, due to a number of risks or uncertainties associated with
the expectations. These risks and uncertainties include, but not limited to, our ability to successfully implement our strategies,
change in government policies etc. The Company may, from time to time, make additional written and oral forward looking
statements, including statements contained in the Companys filings with the stock exchanges and our reports to shareholders.

The Company does not undertake to update any forward looking statements that may be made from time to time by or on
behalf of the Company.

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Investor Relations
Equitas Holdings Limited
Spencer Plaza, 4th Floor, Phase II
No. 769, Anna Salai, Chennai 600 002
ir@equitasbank.com

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