R e g i s t e r e d O ff i c e : C o r p o r a t e O ff i c e : A k m - PDF document

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Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Corporate Overview www.akmestarhfc.in Corporate Office: Registered Office: 708, Accord Classic, Goregaon East, Akme Business Centre (ABC), 4-5 Subcity Centre Savina Mumbai - 400063 Circle, Udaipur - 313002, Rajasthan 0294-2489501/02/03 +91 8828 036610

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness • Founded by Late Shri. Mohan Lal Nagda and Shri. Nirmal Kumar Jain • Incorporated in 2005 and commenced business operations in Sep 2009 • Shares listed on Bombay Stock Exchange (BSE) on March 2015 About • Operates with a philosophy of Providing credit access to Lower and Middle Income segment Akme Star predominantly in unchartered areas • Qualified as a Primary Lending Institution under Pradhan Mantri Awas Yojana (PMAY) HFC • Loan book of Rs.65.21 crs with 767 live accounts as of September 30, 2019 • Credit lines from five public and private sector institutions with gearing of ~0.8x • Long Term Credit Rating: ACUITE BBB-/Outlook: Stable To let the people feel the warmth of their “own house” by delivering quality financial Vision product both in appearance and content We want to be known as an organization where personal attention will never become obsolete Mission We want to employ people who are extremely satisfied and go the extra mile for clients We want a culture of growth, profitability and enthusiasm throughout the company • Seeking Excellence • Integrity • Accountability & Ownership • Nurturing Lives Values • Teamwork & collaboration

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Key Management Overview • Shri Nirmal Kumar Jain, founder member Akme Name Designation Group and Executive Director of Akme star HFC • He is a C.A. and Cost Accountant by qualification Shri. B S Kacchawaha Chief Financial Officer • Mr. Jain has been awarded “Yuva Gaurav” by Mahaveer Yuva Sansthan, Udaipur and “Business Shri. Natesh Narayanan Head - Fund Management Leader Corporate” 2nd Rank by Institute of Chartered Accountants of India Shri. Nirmal K Jain Shri. Kalpesh R Dave Head - Corp. Plan and Strategy • Shri Ashish Jain is a mortgage professional and Shri. Ashish Kothari Business Head - Rajasthan second generation of promoters of Akme Group • Shri Ashish is the Chairman and Managing Shri. D S Bala Business Head - Mumbai Director of Akme Star HFC and is responsible for steering the growth of the Company Shri. Paritosh Kothari Company Secretary • Shri Ashish is a B.E. and did M.Sc. from London Shri. Ashish Jain Our Presence Udaipur Mumbai Pune Indore Akola Ratlam Ahmedabad Surat Chennai Cumulative experience of more than 125 years in Financial services space

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Core Values Perfection and Excellence leading to Sustained More than 1100 customers have reposed growth of Akme Star HFC their faith in Akme Star HFC towards Answerability and availment of housing finance assistance responsibility for the Seeking towards purchase of their own home outcome of the task at hand Excellence Strength and Stability - Accountability & both Moral & Financial Ownership Integrity “Do it better together” Create value for all stakeholders of Akme Star HFC, be it customers, Akme Star HFC has been build on these values Teamwork and vendors or employees and validated by the trust of the customers: Collaboration Nurturing Lives

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Journey and Milestones Gearing up for next level of Growth Mar 2005 Nov 2019-Till Date Mar 2015 Jun 2019 • Deployment Incorporated with Gets into strategic of lending suite & Akme Star HFC gets the objective to provide partnership with Arkfin mobility apps Listed on SME platform • Expansion of physical presence to housing loans to target of the Bombay Stock Invts. Pvt Ltd (AIPL) with EWS/LIG segment Exchange (BSE) an aim to initiate overall Maharashtra, Madhya Pradesh & Tamil Nadu (Head Office in Mumbai) transformation • On Boarding of experienced mgmt. team to augment overall business July 2017 Dec 2009 Oct 2019 Stock migrates to BSE Received CoR from AIPL invests incremental Main board. Shares of National Housing Bank capital in Akme Star HFC Akme Star HFC get (NHB). Initiates business thereby acquiring 21.5% traded on Bombay Stock operations in Rajasthan stake in the Company Exchange (BSE) as Akme Star HFC

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Target Customer Segment (Income) Target Geographies Extension HIG > 18 Lacs Extended Suburbs of Metros/Urban MIG-II 12-18 Lacs Main City Agglomerations MIG-I 6-12 Lacs Satellite towns of LIG 3-6 Lacs urban centres EWS Up to 3 Lacs Semi Formal Tier II, Tier III and Informal Income Formal Income Income Tier IV cities Income needs to be Blend of documented Fully documented *classification as per PMAY assessed and assessed income income guidelines Home loans (New Purchase/Resale) Home Extension loans Product Construction loans Home Improvement loans Offerings Composite loans Non Housing loans Residential Real Estate Developer loans (Low Cost Housing Space)

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Product Offerings Improvement / Products Home Purchase Loans Construction Loans Balance Transfer Loans Extension Loans Purchase of New unit Purchase of resale Construction of housing Upgradation/modification Takeover of housing loan Purpose from developer (existing) unit unit on own land of existing housing unit from an approved financier Collateral Underlying housing unit to be purchased/constructed/upgraded/modified Staggered with stage of Staggered with stage of Disbursement Mode Bullet Bullet Bullet construction upgradation/modification Ticket Size (Rs.) 2-25 lakhs 2-25 lakhs 2-25 lakhs 2-15 lakhs 2-20 lakhs LTV Up to 80% Up to 80% Up to 80% Up to 80% Up to 70% Loan Tenure Minimum: 5 years; Maximum: 20 years Repayment Equated Monthly Instalments Akme Star HFC has a range of retail financing products to cater to the financing needs of EWS/LIG customers towards purchase of housing units

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Loan Book Overview (As of Sep 30, 2019) Geographical Split* Urban vs. Rural Split Occupation Type Split 5% 15% 22% 17% Rajasthan Salaried Rural Madhya Pradesh Urban Self Employed Maharashtra 77% 78% 85% Ticket Size Split Loan to Value Split* Sourcing Split* 2% 1%5% 8%3% Up to 5 Lakhs Up to 50% 5-10 Lakhs 28% Direct 50-75% 23% 49% 10-20 Lakhs 51% Business Associates 75-80% 64% 66% 20-50 Lakhs >80% Greater than 50 lakhs *Calculated on Loan Amt Outstanding. Rest of the splits are calculated on the no. of live accounts for meaningful representation

Akme Star Housing Finance Limited We do not tender Loans, We tender Happiness Shareholding Details (As on Sep 30, 2019) Category of No. of No. of fully paid up Total no. Shareholding as a % of shareholder* shareholders equity shares held shares held total no. of shares (A) Promoter & 32 63,62,100 63,62,100 52.67 Promoter Group As on Dec 27, 2019 (B) Public 747 57,16,900 57,16,900 47.33 Closing Share Price: Rs.72.40 Market Cap: Rs.113.48 crs (C1) Shares underlying 0.00 Book Value per Share: Rs.28.28 DRs EPS: Rs.3.57 Price/Book: 2.56x (C2) Shares held by 0.00 P/E: 20.45x Employee Trust (C) Non Promoter-Non 0.00 Public Grand Total 779 1,20,79,000 1,20,79,000 100.00 *Arkfin Investments Private Limited (AIPL) has infused incremental capital of Rs.15.5 crs in Akme Star HFC on 25 th October 2019 and has acquired 21.5% stake in the expanded capital of the Company