Press Conference

Mumbai
December 20, 2016

Slide

Reliance Home Finance Limited Public Issue of Secured and Un-secured Redeemable Non Convertible Debentures .

akcapindia. including the section ‘Risk Factors’. 2016 with the Registrar of Companies.in.trustgroup.Disclaimer  Reliance Home Finance Limited (“RHFL”). 2016 are available on our website at www.  The Shelf Prospectus dated December 15.reliancehomefinance. www.com.  Investors proposing to participate in the Issue should invest only on the basis of information contained in the Shelf Prospectus dated December 15. www.axisbank. please refer to the Shelf Prospectus dated December 15.in and www. www.com and www.bseindia.  Investors should note that investment in NCDs involves a degree of risk and for details relating to the same.edelweissfin.com. 2016. Slide 1 . 2016.com. National Stock Exchange of India Limited. subject to market conditions and other considerations.com. 2016 and Tranche 1 Prospectus dated December 15. 2016 and Tranche 1 Prospectus dated December 15. 2016 and Tranche 1 Prospectus dated December 15. is proposing a public issue of secured and un-secured redeemable non-convertible debentures (“NCDs”) and has filed the Shelf Prospectus dated December 15.com and the respective websites of the lead managers at www. 2016 and Tranche 1 Prospectus dated December 15.yesinvest.nseindia. BSE Limited and SEBI (for record purposes). Mumbai. Maharashtra. on the website of the stock exchanges at www.

Reliance Capital and it’s Businesses Reliance Capital Asset Management Life Insurance General Insurance Commercial Finance Home Finance Equities and Commodities Broking Asset Reconstruction Wealth Management Proprietary Investments Slide 2 .

87 Total 7. in lakhs) Banks/ FIs 4.About Reliance Home Finance Company Overview • • • • • Product Portfolio A Reliance Group company.546. one of India’s prominent private sector business houses. is the financial services arm of the Reliance Group A non deposit taking Housing Finance Company registered with the NHB Focused on providing housing financing products for the LMI to HMI segment in India Wide geographical presence with focus primarily to market in Tier II and Tier III cities and towns Products • • • • Home Loan/ Affordable Housing Loan Loan Against Property Construction Finance Property Solutions (Broking Services. a wholly owned subsidiary of Reliance Capital Limited.266.85.04 Capital Markets Others • • • • Self Employed & Salaried Individuals Self Employed Individuals and SMEs Real Estate Developers Individuals and Corporates Credit Rating Nature of Borrowing Rating CARE Brickwork ICRA CRISIL Public IssueSecured NCDs* CARE AA+ BWR AA+ - - Public IssueUn-Secured NCDs (Upper Tier II)* CARE AA BWR AA - - Long Term Debt CARE AA+ BWR AA+ - - Short Term Debt - - A1+ A1+ CARE AA+ BWR AA+ - - CARE PPMLD AA+ - - - Tier II Un-Secured Debt Banks/FIs Target Customer Market Linked Debentures *Outlook Stable Slide 3 . led by Mr. 2016) Source 23% 14% 62% Amt (Rs. Valuation and Consulting Services) Resource Mobilization (as on September 30.46 Others 1.883.697.71 Capital Markets 1.13.92. Anil Dhirubhai Ambani Incorporated in 2008.93.

Housing Finance Industry Overview Under-penetration of mortgage signifies growth potential 114% • • • • • MacroEconomic Growth Drivers 68% 42% 17% 10% Rising Income Levels Rapid Urbanization Favorable Demographics Nuclearisation of Families Thrust on Affordable Housing India China HongKong USA Denmark Mortgage Penetration (% of GDP) Home loan disbursements expected to record healthy CAGR… GR CA 20 18- % With HFCs maintaining a steady share in the housing finance pie 29548 39% 39% 39% 40% 40% 40% 61% 61% 61% 60% 60% 60% FY13 FY14 FY15 FY16 FY17E FY18P 17580 8887 FY14 10414 FY15 12373 FY16 14650 FY17F FY18F FY21F HFCs Banks Source: CRISIL Housing Finance Report. Aug 2016 Slide 4 .

RHFL .Key Strengths 1 Established presence in the Self Employed Segment 2 Our Key Strengths 5 Healthy asset quality reinforced by strong risk management framework 3 Established brand and parentage 4 Strong Management Team and Corporate Governance Strong growth opportunity supported by Government critical policy agenda Slide 5 .

3% 17.5% FY12 FY13 14.7% 6.RHFL .6% 15.0% 12% 20% 9.5% 120 513 430 339 R3 CAG 502 80 383 362 PBT 160 6.1% 4% 10% FY12 0% FY13 FY14 FY15 Capital Adequacy Ratio FY16 H1 FY17 FY14 FY15 FY16 RoE Slide 6 .9% 20.0% 300 40 150 0 0 FY12 FY13 FY14 FY15 H1FY16 FY16 H1FY17 40 42 66 106 137 62 FY12 FY13 FY14 FY15 FY16 H1FY17 PBT (in INR Cr) Revenue (in INR Cr) Capital Adequacy Ratio 25% ROE 16% 12.2% 15% 8% 16.4% 14.Financial Highlights Revenue Growth 900 815 750 R2 CAG 600 450 4.2% 14.3% 6.

5% 1.0% FY13 FY14 Gross NPA H1FY17 Net NPA Slide 7 .9% 0.2% 1.RHFL .5%1.0% 1.3% 1000 0 FY13 FY14 Sanctions (in INR Cr) FY15 FY16 Disbursements (in INR Cr) H1FY17 0.2% 0.7% 1.3% 0.9% 0.Operational Highlights 10000 Steady Increase in AUM and Loans (in INR cr) 20% 7905 7420 8000 6753 2755 4% 20% 20% 21% 19% 55% 57% FY16 H1 FY17 15% 18% 21% 5096 3860 4% 9% 25% 21% 5841 6000 4000 With diversification of loan book 9383 3135 65% 56% 48% 2000 0 FY13 FY13 FY14 AUM FY15 FY16 6533 7000 5385 5000 4000 3000 2000 3030 2479 1620 2072 3562 3828 3342 LAP Others Increased disbursement while maintaining reasonable NPA 1.8% 5116 FY15 Home Loan Construction Finance Total Loans) Rapid Growth in Sanctions and Disbursements 6000 FY14 H1FY17 1.6% 1.2% 1.8% 0.0% 0.7% FY15 FY16 1.

74% 0.813 Short-term borrowings 768 816 208 Total Loan Assets 6.83% 4.04% 1.81% 1.841 3.096 3.84% * includes current maturities of long term borrowings Slide 8 .135 Assets Under Management (including Securitized and Assignment Portion) 7.752 5.RHFL .606 2.Key Financials Parameters Net Worth As on and for the period (values in Rs.97% 1.860 Interest Income (Including Treasury Income) 737 442 389 Interest Expense 475 298 269 Provisioning & Write-offs 16 14 14 Profit After Tax (PAT) 87 69 43 Gross NPA (%) 0.07% 5.56% Tier II Capital Adequacy Ratio (%) 5. Cr) FY2016 FY2015 FY2014 570 498 439 Long term Borrowings* 5.51% 11.66% Net NPA (%) 0.10% 14.780 3.29% Tier I Capital Adequacy Ratio (%) 10.420 5.

Strategy going forward Engage in competitive loan pricing and customize and cross-sell products and services to attract more customers 1 2 Maintain strong asset quality and earnings growth 3 Grow our product reach Our Key Strategies… 4 Focus on strengthening our brand Slide 9 .RHFL .

2017* * with an option to close earlier Slide 10 . 2016 Issue Closes on Friday. December 22.Reliance Home Finance Limited launches its Maiden Public Issue of Secured and Un-secured Redeemable NCDs Issue Period Issue Opens on Thursday. January 6.

Outlook: Stable) by CARE.Stable (Double A plus.000 crore.5. 1.25% shall be payable) Tenure & Frequency Secured – 3.40% (in case of non exercise of call option a step up coupon of 0.15% Un-secured – 9. 3.25% to 9. BWR AA (BWR Double A) Outlook: Stable by Brickwork Coupon Range Secured – 8. 500 crore Totaling upto Rs. BWR AA+(BWR Double A plus) Outlook: Stable by Brickwork Un-secured .Outlook: Stable) by CARE.10 years (interest payment frequency is annual for all) Un-secured – 15 years with call option after 10 years from the deemed date of allotment (interest payment frequency annual) Slide 11 .Dual Public Issue of Secured and Un-secured Redeemable Non Convertible Debentures Base Issue of Rs.CARE AA. Stable (Double A.Issue Summary Offering Type Offering Size Shelf Limit Rating.500 crore (“Shelf Limit”) Secured-CARE AA+.000 cr with an option to retain oversubscription upto the Shelf Limit Secured NCDs aggregating upto Rs.70% to 9. 3. Un-secured NCDs aggregating upto Rs.

90 9.25 Rs.70 8.70 II III IV Annual Annual Annual Secured Secured Un-Secured* Rs.40 Redemption Date (from the Deemed Date of Allotment) 3 years 5 years 10 years 15 years Redemption Amount (Rs./ NCD) Issue Price (Rs.000 (1 NCD) Rs. 1.25 Effective Yield (per annum) for NCD Holders in Category III & Category IV 8. Slide 12 .000 (10 NCDs) across all Series collectively Rs.05 9. 1.15 9.15 9.90 9.00 9. 1.90 9.1./ NCD) Mode of Interest Payment Tenor Coupon (%) for NCD Holders in Category I & Category II I Annual Secured Coupon (%) for NCD holders in Category III and Category IV 8.05 9./ NCD) 3 years 8.Terms of Issue Series Frequency of Interest Payment Nature of Instrument Minimum Application In Multiples of thereafter Face Value of NCDs (Rs.000 Through various options available 5 years 10 years 15 years 8. 10.000 Note: The company may exercise call option on un-secured NCDs (Series IV) after 10 years from the deemed date of allotment * In the event the company does not exercise the call option in relation to Un-Secured NCD Holders.00 9.90 9. a step-up of 25 bps above coupon after 10 years from Deemed Date of Allotment shall be payable on every subsequent coupon payment date.40 Effective Yield (per annum) for NCD Holders in Category I & Category II 8.000 Rs.

except on the date of oversubscription when the Investors applying on the day of oversubscription get Allotment on a proportionate basis Slide 13 .25% shall be payable in case of non-exercise of Call Option by the Company within 60 days of expiry of 10 years from the Deemed Date of Allotment Category of Investors Allocation Ratio Priority in case of undersubscription in any Investor Category(ies) Category I Investors Institutional Investors 30% 4th Category II Investors Corporate Investors 10% 3rd Category III Investors High Net worth Individuals 30% 2nd Category IV Investors Retail Individual Investors 30% 1st * Determined on the basis of date of Application on the electronic bidding platform of Stock Exchanges.Issue Features • Option to apply for NCDs in dematerialized as well as physical form • Allocation on first come first serve basis* • Call Option on Un-secured NCDs after 10 years from the deemed date of allotment (Series IV) • Step-up coupon on Un-secured NCDs of 0.

Issue Team Lead Managers Legal Counsel Debenture Trustee Registrar Listing Slide 14 .

Thank You .