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IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

PLEASE READ THIS NOTICE CAREFULLY. IT APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. VIEWING THIS INFORMATION MAY NOT BE LAWFUL IN CERTAIN JURISDICTIONS. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. YOU SHOULD READ IT IN FULL EACH TIME YOU VISIT THE WEBSITE. BY ACCESSING THIS INFORMATION ON THIS WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS BELOW, INCLUDING ANY MODIFICATIONS THAT MAY BE MADE TO THEM FROM TIME TO TIME.

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED IN THE UNITED STATES AND ARE ONLY INTENDED FOR DISTRIBUTION TO, AND USE BY, RESIDENTS OF INDIA, AND OTHER JURISDICTIONS WHERE SUCH OFFER AND SALE OF THE EQUITY SHARES IS PERMITTED UNDER LAWS OF SUCH JURISDICTIONS.

THESE MATERIALS ARE BEING MADE AVAILABLE ON THIS WEBSITE BY INDIABULLS HOUSING FINANCE LIMITED (THE “COMPANY”) SOLELY TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED (“SEBI ICDR REGULATIONS”) AND THE COMPANIES ACT, 2013, AND THE RULES MADE THEREUNDER, EACH AS AMENDED (“COMPANIES ACT”). MAKING THE LETTER OF OFFER AVAILABLE IN ELECTRONIC FORMAT ON THIS WEBSITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO SUBSCRIBE TO SECURITIES IN THE RIGHTS ISSUE IN ANY JURISDICTION.

NOTHING HEREIN CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. YOU ARE REMINDED THAT YOU HAVE ACCESSED THE LETTER OF OFFER ON THE BASIS THAT YOU ARE A PERSON INTO WHOSE POSSESSION THE DOCUMENTS MAY BE LAWFULLY DELIVERED IN ACCORDANCE WITH THE LAWS OF THE JURISDICTION IN WHICH YOU ARE LOCATED.

THIS DISCLAIMER APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. THE FOLLOWING DISCLAIMER APPLIES TO THE LETTER OF OFFER IN RELATION TO THE PROPOSED RIGHTS ISSUE OF EQUITY SHARES OF THE COMPANY TO ELIGIBLE EQUITY SHAREHOLDERS OF THE COMPANY (THE “RIGHTS EQUITY SHARES”, AND SUCH ENTITLEMENTS BY ELIGIBLE EQUITY SHAREHOLDERS, THE "RIGHTS ENTITLEMENTS”) FILED WITH BSE LIMITED AND THE NATIONAL STOCK EXCHANGE OF INDIA LIMITED (“STOCK EXCHANGES”) (THE “LETTER OF OFFER”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE LETTER OF OFFER.

THE RIGHTS ENTITLEMENTS AND THE RIGHTS EQUITY SHARES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S SECURITIES ACT AND MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES, EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S SECURITIES ACT”) AND APPLICABLE STATE SECURITIES LAWS. ACCORDINGLY, THE RIGHTS ENTITLEMENTS (INCLUDING THEIR CREDIT) AND THE RIGHTS EQUITY SHARES ARE ONLY BEING OFFERED AND SOLD OUTSIDE THE UNITED STATES IN “OFFSHORE TRANSACTIONS” AS DEFINED IN AND IN RELIANCE ON REGULATION S UNDER THE U.S. SECURITIES ACT TO ELIGIBLE EQUITY SHAREHOLDERS LOCATED IN JURISDICTIONS WHERE SUCH OFFER AND SALE IS PERMITTED UNDER THE LAWS OF SUCH JURISDICTIONS. THE OFFERING TO WHICH THIS LETTER OF OFFER RELATES IS NOT, AND UNDER NO CIRCUMSTANCES IS TO BE CONSTRUED AS, AN OFFERING OF ANY RIGHTS ENTITLEMENTS OR RIGHTS EQUITY SHARES FOR SALE IN THE UNITED STATES OR AS A SOLICITATION THEREIN OF AN OFFER TO BUY ANY OF THE SAID SECURITIES. ACCORDINGLY, YOU SHOULD NOT FORWARD OR TRANSMIT THIS LETTER OF OFFER INTO THE UNITED STATES AT ANY TIME.

ACCESS TO THIS WEBSITE SHALL NOT FORM THE BASIS OF, OR BE RELIED UPON IN CONNECTION WITH, ANY CONTRACT OR COMMITMENT WHATSOEVER. WE ARE NOT SOLICITING ANY ACTION OR DECISION BASED ON THE INFORMATION ON THIS WEBSITE.

THE LETTER OF OFFER HAS NOT BEEN AND WILL NOT BE FILED AS A PROSPECTUS WITH ANY REGISTRAR OF COMPANIES IN INDIA UNDER THE COMPANIES ACT. THE LETTER OF OFFER DOES NOT CONSTITUTE AN OFFER TO THE GENERAL PUBLIC TO SUBSCRIBE TO THE RIGHTS EQUITY SHARES DESCRIBED IN THE LETTER OF OFFER. THE LETTER OF OFFER HAS NOT BEEN REVIEWED AND APPROVED BY ANY REGULATORY AUTHORITY IN INDIA OR ABROAD, INCLUDING THE SECURITIES AND EXCHANGE BOARD OF INDIA, ANY REGISTRAR OF COMPANIES IN INDIA OR ANY STOCK EXCHANGE IN INDIA. THE LETTER OF OFFER IS NOT AND SHOULD NOT BE CONSTRUED AS AN INVITATION, OFFER OR SALE OF ANY SECURITIES TO THE PUBLIC IN INDIA.

NONE OF THE COMPANY, NUVAMA WEALTH MANAGEMENT LIMITED (FORMERLY KNOWN AS EDELWEISS SECURITIES LIMITED) AND INCRED CAPITAL WEALTH PORTFOLIO MANAGERS PRIVATE LIMITED (THE “LEAD MANAGERS”) AND ANY OF THEIR RESPECTIVE AFFILIATES, ACCEPTS ANY LIABILITY WHATSOEVER, DIRECT OR INDIRECT, THAT MAY ARISE FROM THE USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. ACCESS TO THIS WEBSITE DOES NOT CONSTITUTE A RECOMMENDATION BY THE COMPANY, THE LEAD MANAGERS, ANY OF THEIR RESPECTIVE AFFILIATES OR ANY OTHER PARTY TO SUBSCRIBE TO OR BUY OR SELL THE RIGHTS EQUITY SHARES. MAKING PRESS ANNOUNCEMENTS AND OTHER DOCUMENTS AVAILABLE IN ELECTRONIC FORMAT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY SECURITIES IN THE COMPANY.

THE INFORMATION IN THE LETTER OF OFFER IS AS OF THE DATE THEREOF AND NEITHER THE COMPANY, ITS DIRECTORS NOR THE LEAD MANAGERS ARE UNDER ANY OBLIGATION TO UPDATE OR REVISE THE LETTER OF OFFER TO REFLECT CIRCUMSTANCES ARISING AFTER THE DATE THEREOF.

YOU ACKNOWLEDGE THAT ACCESS TO THE LETTER OF OFFER IS INTENDED FOR USE BY YOU ONLY AND YOU AGREE NOT TO FORWARD THE LETTER OF OFFER TO ANY OTHER PERSON, IN WHOLE OR IN PART, OR OTHERWISE PROVIDE ACCESS VIA E-MAIL OR OTHERWISE TO ANY OTHER PERSON.

YOU ARE ACCESSING THIS WEBSITE AT YOUR OWN RISK AND IT IS YOUR RESPONSIBILITY TO TAKE PRECAUTIONS TO ENSURE THAT IT IS FREE FROM VIRUSES AND OTHER ITEMS OF A DESTRUCTIVE NATURE. NEITHER THE COMPANY, THE LEAD MANAGERS NOR ANY OF THEIR AFFILIATES, THEIR DIRECTORS, OFFICERS AND EMPLOYEES WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR DISRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS.

THE LETTER OF OFFER MAY CONTAIN STATEMENTS ABOUT FUTURE EVENTS AND EXPECTATIONS THAT CONSTITUTE FORWARD-LOOKING STATEMENTS. THERE CAN BE NO ASSURANCE THAT THE RESULTS AND EVENTS CONTEMPLATED BY THE FORWARD-LOOKING STATEMENTS CONTAINED THERE WILL IN FACT OCCUR. THE COMPANY, ITS DIRECTORS, THE LEAD MANAGERS OR ANY OF THEIR RESPECTIVE AFFILIATES DO NOT MAKE ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO, AND DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY WITH RESPECT TO, THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF ANY INFORMATION OR OPINION IN THE LETTER OF OFFER.

INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER PRESENTED HEREIN INVOLVES RISKS AND YOU SHOULD NOT INVEST ANY FUNDS IN THE ISSUE UNLESS YOU ARE PREPARED TO RISK LOSING ALL OR PART OF YOUR INVESTMENT. YOU ARE ADVISED TO CAREFULLY READ THE RISK FACTORS AND THE OTHER INFORMATION CONTAINED IN THE LETTER OF OFFER PRESENTED HEREIN BEFORE MAKING AN INVESTMENT DECISION. YOU ARE ADVISED TO CONSULT YOUR OWN ADVISORS ABOUT THE PARTICULAR CONSEQUENCES OF INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER.

THE LETTER OF OFFER MAY NOT BE DOWNLOADED, DELIVERED, FORWARDED OR DISTRIBUTED, ELECTRONICALLY OR OTHERWISE, IN WHOLE OR IN PART, TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY DOWNLOADING, FORWARDING, DELIVERY, DISTRIBUTION OR REPRODUCTION OF THE LETTER OF OFFER IN WHOLE OR IN PART IS UNAUTHORIZED. FAILURE TO COMPLY WITH THIS DISCLAIMER MAY RESULT IN A VIOLATION OF THE APPLICABLE LAWS.

ALL TERMS NOT DEFINED HEREIN SHALL HAVE THE MEANING ASCRIBED TO THEM IN THE LETTER OF OFFER.

IF YOU ARE NOT PERMITTED TO VIEW THE MATERIALS ON THIS WEBSITE OR ARE IN ANY DOUBT AS TO WHETHER YOU ARE PERMITTED TO VIEW THESE MATERIALS, PLEASE EXIT THIS WEBPAGE.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

PLEASE READ THIS NOTICE CAREFULLY. IT APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. VIEWING THIS INFORMATION MAY NOT BE LAWFUL IN CERTAIN JURISDICTIONS. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. YOU SHOULD READ IT IN FULL EACH TIME YOU VISIT THE WEBSITE. BY ACCESSING THIS INFORMATION ON THIS WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS BELOW, INCLUDING ANY MODIFICATIONS THAT MAY BE MADE TO THEM FROM TIME TO TIME.

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED IN THE UNITED STATES AND ARE ONLY INTENDED FOR DISTRIBUTION TO, AND USE BY, RESIDENTS OF INDIA, AND OTHER JURISDICTIONS WHERE SUCH OFFER AND SALE OF THE EQUITY SHARES IS PERMITTED UNDER LAWS OF SUCH JURISDICTIONS.

THESE MATERIALS ARE BEING MADE AVAILABLE ON THIS WEBSITE BY INDIABULLS HOUSING FINANCE LIMITED (THE “COMPANY”) SOLELY TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED (“SEBI ICDR REGULATIONS”) AND THE COMPANIES ACT, 2013, AND THE RULES MADE THEREUNDER, EACH AS AMENDED (“COMPANIES ACT”). MAKING THE LETTER OF OFFER AVAILABLE IN ELECTRONIC FORMAT ON THIS WEBSITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO SUBSCRIBE TO SECURITIES IN THE RIGHTS ISSUE IN ANY JURISDICTION.

NOTHING HEREIN CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. YOU ARE REMINDED THAT YOU HAVE ACCESSED THE LETTER OF OFFER ON THE BASIS THAT YOU ARE A PERSON INTO WHOSE POSSESSION THE DOCUMENTS MAY BE LAWFULLY DELIVERED IN ACCORDANCE WITH THE LAWS OF THE JURISDICTION IN WHICH YOU ARE LOCATED.

THIS DISCLAIMER APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. THE FOLLOWING DISCLAIMER APPLIES TO THE LETTER OF OFFER IN RELATION TO THE PROPOSED RIGHTS ISSUE OF EQUITY SHARES OF THE COMPANY TO ELIGIBLE EQUITY SHAREHOLDERS OF THE COMPANY (THE “RIGHTS EQUITY SHARES”, AND SUCH ENTITLEMENTS BY ELIGIBLE EQUITY SHAREHOLDERS, THE "RIGHTS ENTITLEMENTS”) FILED WITH BSE LIMITED AND THE NATIONAL STOCK EXCHANGE OF INDIA LIMITED (“STOCK EXCHANGES”) (THE “LETTER OF OFFER”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE LETTER OF OFFER.

THE RIGHTS ENTITLEMENTS AND THE RIGHTS EQUITY SHARES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S SECURITIES ACT AND MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES, EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S SECURITIES ACT”) AND APPLICABLE STATE SECURITIES LAWS. ACCORDINGLY, THE RIGHTS ENTITLEMENTS (INCLUDING THEIR CREDIT) AND THE RIGHTS EQUITY SHARES ARE ONLY BEING OFFERED AND SOLD OUTSIDE THE UNITED STATES IN “OFFSHORE TRANSACTIONS” AS DEFINED IN AND IN RELIANCE ON REGULATION S UNDER THE U.S. SECURITIES ACT TO ELIGIBLE EQUITY SHAREHOLDERS LOCATED IN JURISDICTIONS WHERE SUCH OFFER AND SALE IS PERMITTED UNDER THE LAWS OF SUCH JURISDICTIONS. THE OFFERING TO WHICH THIS LETTER OF OFFER RELATES IS NOT, AND UNDER NO CIRCUMSTANCES IS TO BE CONSTRUED AS, AN OFFERING OF ANY RIGHTS ENTITLEMENTS OR RIGHTS EQUITY SHARES FOR SALE IN THE UNITED STATES OR AS A SOLICITATION THEREIN OF AN OFFER TO BUY ANY OF THE SAID SECURITIES. ACCORDINGLY, YOU SHOULD NOT FORWARD OR TRANSMIT THIS LETTER OF OFFER INTO THE UNITED STATES AT ANY TIME.

ACCESS TO THIS WEBSITE SHALL NOT FORM THE BASIS OF, OR BE RELIED UPON IN CONNECTION WITH, ANY CONTRACT OR COMMITMENT WHATSOEVER. WE ARE NOT SOLICITING ANY ACTION OR DECISION BASED ON THE INFORMATION ON THIS WEBSITE.

THE LETTER OF OFFER HAS NOT BEEN AND WILL NOT BE FILED AS A PROSPECTUS WITH ANY REGISTRAR OF COMPANIES IN INDIA UNDER THE COMPANIES ACT. THE LETTER OF OFFER DOES NOT CONSTITUTE AN OFFER TO THE GENERAL PUBLIC TO SUBSCRIBE TO THE RIGHTS EQUITY SHARES DESCRIBED IN THE LETTER OF OFFER. THE LETTER OF OFFER HAS NOT BEEN REVIEWED AND APPROVED BY ANY REGULATORY AUTHORITY IN INDIA OR ABROAD, INCLUDING THE SECURITIES AND EXCHANGE BOARD OF INDIA, ANY REGISTRAR OF COMPANIES IN INDIA OR ANY STOCK EXCHANGE IN INDIA. THE LETTER OF OFFER IS NOT AND SHOULD NOT BE CONSTRUED AS AN INVITATION, OFFER OR SALE OF ANY SECURITIES TO THE PUBLIC IN INDIA.

NONE OF THE COMPANY, NUVAMA WEALTH MANAGEMENT LIMITED (FORMERLY KNOWN AS EDELWEISS SECURITIES LIMITED) AND INCRED CAPITAL WEALTH PORTFOLIO MANAGERS PRIVATE LIMITED (THE “LEAD MANAGERS”) AND ANY OF THEIR RESPECTIVE AFFILIATES, ACCEPTS ANY LIABILITY WHATSOEVER, DIRECT OR INDIRECT, THAT MAY ARISE FROM THE USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. ACCESS TO THIS WEBSITE DOES NOT CONSTITUTE A RECOMMENDATION BY THE COMPANY, THE LEAD MANAGERS, ANY OF THEIR RESPECTIVE AFFILIATES OR ANY OTHER PARTY TO SUBSCRIBE TO OR BUY OR SELL THE RIGHTS EQUITY SHARES. MAKING PRESS ANNOUNCEMENTS AND OTHER DOCUMENTS AVAILABLE IN ELECTRONIC FORMAT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY SECURITIES IN THE COMPANY.

THE INFORMATION IN THE LETTER OF OFFER IS AS OF THE DATE THEREOF AND NEITHER THE COMPANY, ITS DIRECTORS NOR THE LEAD MANAGERS ARE UNDER ANY OBLIGATION TO UPDATE OR REVISE THE LETTER OF OFFER TO REFLECT CIRCUMSTANCES ARISING AFTER THE DATE THEREOF.

YOU ACKNOWLEDGE THAT ACCESS TO THE LETTER OF OFFER IS INTENDED FOR USE BY YOU ONLY AND YOU AGREE NOT TO FORWARD THE LETTER OF OFFER TO ANY OTHER PERSON, IN WHOLE OR IN PART, OR OTHERWISE PROVIDE ACCESS VIA E-MAIL OR OTHERWISE TO ANY OTHER PERSON.

YOU ARE ACCESSING THIS WEBSITE AT YOUR OWN RISK AND IT IS YOUR RESPONSIBILITY TO TAKE PRECAUTIONS TO ENSURE THAT IT IS FREE FROM VIRUSES AND OTHER ITEMS OF A DESTRUCTIVE NATURE. NEITHER THE COMPANY, THE LEAD MANAGERS NOR ANY OF THEIR AFFILIATES, THEIR DIRECTORS, OFFICERS AND EMPLOYEES WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR DISRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS.

THE LETTER OF OFFER MAY CONTAIN STATEMENTS ABOUT FUTURE EVENTS AND EXPECTATIONS THAT CONSTITUTE FORWARD-LOOKING STATEMENTS. THERE CAN BE NO ASSURANCE THAT THE RESULTS AND EVENTS CONTEMPLATED BY THE FORWARD-LOOKING STATEMENTS CONTAINED THERE WILL IN FACT OCCUR. THE COMPANY, ITS DIRECTORS, THE LEAD MANAGERS OR ANY OF THEIR RESPECTIVE AFFILIATES DO NOT MAKE ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO, AND DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY WITH RESPECT TO, THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF ANY INFORMATION OR OPINION IN THE LETTER OF OFFER.

INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER PRESENTED HEREIN INVOLVES RISKS AND YOU SHOULD NOT INVEST ANY FUNDS IN THE ISSUE UNLESS YOU ARE PREPARED TO RISK LOSING ALL OR PART OF YOUR INVESTMENT. YOU ARE ADVISED TO CAREFULLY READ THE RISK FACTORS AND THE OTHER INFORMATION CONTAINED IN THE LETTER OF OFFER PRESENTED HEREIN BEFORE MAKING AN INVESTMENT DECISION. YOU ARE ADVISED TO CONSULT YOUR OWN ADVISORS ABOUT THE PARTICULAR CONSEQUENCES OF INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER.

THE LETTER OF OFFER MAY NOT BE DOWNLOADED, DELIVERED, FORWARDED OR DISTRIBUTED, ELECTRONICALLY OR OTHERWISE, IN WHOLE OR IN PART, TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY DOWNLOADING, FORWARDING, DELIVERY, DISTRIBUTION OR REPRODUCTION OF THE LETTER OF OFFER IN WHOLE OR IN PART IS UNAUTHORIZED. FAILURE TO COMPLY WITH THIS DISCLAIMER MAY RESULT IN A VIOLATION OF THE APPLICABLE LAWS.

ALL TERMS NOT DEFINED HEREIN SHALL HAVE THE MEANING ASCRIBED TO THEM IN THE LETTER OF OFFER.

IF YOU ARE NOT PERMITTED TO VIEW THE MATERIALS ON THIS WEBSITE OR ARE IN ANY DOUBT AS TO WHETHER YOU ARE PERMITTED TO VIEW THESE MATERIALS, PLEASE EXIT THIS WEBPAGE.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

PLEASE READ THIS NOTICE CAREFULLY. IT APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. VIEWING THIS INFORMATION MAY NOT BE LAWFUL IN CERTAIN JURISDICTIONS. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. YOU SHOULD READ IT IN FULL EACH TIME YOU VISIT THE WEBSITE. BY ACCESSING THIS INFORMATION ON THIS WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS BELOW, INCLUDING ANY MODIFICATIONS THAT MAY BE MADE TO THEM FROM TIME TO TIME.

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED IN THE UNITED STATES AND ARE ONLY INTENDED FOR DISTRIBUTION TO, AND USE BY, RESIDENTS OF INDIA, AND OTHER JURISDICTIONS WHERE SUCH OFFER AND SALE OF THE EQUITY SHARES IS PERMITTED UNDER LAWS OF SUCH JURISDICTIONS.

THESE MATERIALS ARE BEING MADE AVAILABLE ON THIS WEBSITE BY INDIABULLS HOUSING FINANCE LIMITED (THE “COMPANY”) SOLELY TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED (“SEBI ICDR REGULATIONS”) AND THE COMPANIES ACT, 2013, AND THE RULES MADE THEREUNDER, EACH AS AMENDED (“COMPANIES ACT”). MAKING THE LETTER OF OFFER AVAILABLE IN ELECTRONIC FORMAT ON THIS WEBSITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO SUBSCRIBE TO SECURITIES IN THE RIGHTS ISSUE IN ANY JURISDICTION.

NOTHING HEREIN CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. YOU ARE REMINDED THAT YOU HAVE ACCESSED THE LETTER OF OFFER ON THE BASIS THAT YOU ARE A PERSON INTO WHOSE POSSESSION THE DOCUMENTS MAY BE LAWFULLY DELIVERED IN ACCORDANCE WITH THE LAWS OF THE JURISDICTION IN WHICH YOU ARE LOCATED.

THIS DISCLAIMER APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. THE FOLLOWING DISCLAIMER APPLIES TO THE LETTER OF OFFER IN RELATION TO THE PROPOSED RIGHTS ISSUE OF EQUITY SHARES OF THE COMPANY TO ELIGIBLE EQUITY SHAREHOLDERS OF THE COMPANY (THE “RIGHTS EQUITY SHARES”, AND SUCH ENTITLEMENTS BY ELIGIBLE EQUITY SHAREHOLDERS, THE "RIGHTS ENTITLEMENTS”) FILED WITH BSE LIMITED AND THE NATIONAL STOCK EXCHANGE OF INDIA LIMITED (“STOCK EXCHANGES”) (THE “LETTER OF OFFER”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE LETTER OF OFFER.

THE RIGHTS ENTITLEMENTS AND THE RIGHTS EQUITY SHARES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S SECURITIES ACT AND MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES, EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S SECURITIES ACT”) AND APPLICABLE STATE SECURITIES LAWS. ACCORDINGLY, THE RIGHTS ENTITLEMENTS (INCLUDING THEIR CREDIT) AND THE RIGHTS EQUITY SHARES ARE ONLY BEING OFFERED AND SOLD OUTSIDE THE UNITED STATES IN “OFFSHORE TRANSACTIONS” AS DEFINED IN AND IN RELIANCE ON REGULATION S UNDER THE U.S. SECURITIES ACT TO ELIGIBLE EQUITY SHAREHOLDERS LOCATED IN JURISDICTIONS WHERE SUCH OFFER AND SALE IS PERMITTED UNDER THE LAWS OF SUCH JURISDICTIONS. THE OFFERING TO WHICH THIS LETTER OF OFFER RELATES IS NOT, AND UNDER NO CIRCUMSTANCES IS TO BE CONSTRUED AS, AN OFFERING OF ANY RIGHTS ENTITLEMENTS OR RIGHTS EQUITY SHARES FOR SALE IN THE UNITED STATES OR AS A SOLICITATION THEREIN OF AN OFFER TO BUY ANY OF THE SAID SECURITIES. ACCORDINGLY, YOU SHOULD NOT FORWARD OR TRANSMIT THIS LETTER OF OFFER INTO THE UNITED STATES AT ANY TIME.

ACCESS TO THIS WEBSITE SHALL NOT FORM THE BASIS OF, OR BE RELIED UPON IN CONNECTION WITH, ANY CONTRACT OR COMMITMENT WHATSOEVER. WE ARE NOT SOLICITING ANY ACTION OR DECISION BASED ON THE INFORMATION ON THIS WEBSITE.

THE LETTER OF OFFER HAS NOT BEEN AND WILL NOT BE FILED AS A PROSPECTUS WITH ANY REGISTRAR OF COMPANIES IN INDIA UNDER THE COMPANIES ACT. THE LETTER OF OFFER DOES NOT CONSTITUTE AN OFFER TO THE GENERAL PUBLIC TO SUBSCRIBE TO THE RIGHTS EQUITY SHARES DESCRIBED IN THE LETTER OF OFFER. THE LETTER OF OFFER HAS NOT BEEN REVIEWED AND APPROVED BY ANY REGULATORY AUTHORITY IN INDIA OR ABROAD, INCLUDING THE SECURITIES AND EXCHANGE BOARD OF INDIA, ANY REGISTRAR OF COMPANIES IN INDIA OR ANY STOCK EXCHANGE IN INDIA. THE LETTER OF OFFER IS NOT AND SHOULD NOT BE CONSTRUED AS AN INVITATION, OFFER OR SALE OF ANY SECURITIES TO THE PUBLIC IN INDIA.

NONE OF THE COMPANY, NUVAMA WEALTH MANAGEMENT LIMITED (FORMERLY KNOWN AS EDELWEISS SECURITIES LIMITED) AND INCRED CAPITAL WEALTH PORTFOLIO MANAGERS PRIVATE LIMITED (THE “LEAD MANAGERS”) AND ANY OF THEIR RESPECTIVE AFFILIATES, ACCEPTS ANY LIABILITY WHATSOEVER, DIRECT OR INDIRECT, THAT MAY ARISE FROM THE USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. ACCESS TO THIS WEBSITE DOES NOT CONSTITUTE A RECOMMENDATION BY THE COMPANY, THE LEAD MANAGERS, ANY OF THEIR RESPECTIVE AFFILIATES OR ANY OTHER PARTY TO SUBSCRIBE TO OR BUY OR SELL THE RIGHTS EQUITY SHARES. MAKING PRESS ANNOUNCEMENTS AND OTHER DOCUMENTS AVAILABLE IN ELECTRONIC FORMAT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY SECURITIES IN THE COMPANY.

THE INFORMATION IN THE LETTER OF OFFER IS AS OF THE DATE THEREOF AND NEITHER THE COMPANY, ITS DIRECTORS NOR THE LEAD MANAGERS ARE UNDER ANY OBLIGATION TO UPDATE OR REVISE THE LETTER OF OFFER TO REFLECT CIRCUMSTANCES ARISING AFTER THE DATE THEREOF.

YOU ACKNOWLEDGE THAT ACCESS TO THE LETTER OF OFFER IS INTENDED FOR USE BY YOU ONLY AND YOU AGREE NOT TO FORWARD THE LETTER OF OFFER TO ANY OTHER PERSON, IN WHOLE OR IN PART, OR OTHERWISE PROVIDE ACCESS VIA E-MAIL OR OTHERWISE TO ANY OTHER PERSON.

YOU ARE ACCESSING THIS WEBSITE AT YOUR OWN RISK AND IT IS YOUR RESPONSIBILITY TO TAKE PRECAUTIONS TO ENSURE THAT IT IS FREE FROM VIRUSES AND OTHER ITEMS OF A DESTRUCTIVE NATURE. NEITHER THE COMPANY, THE LEAD MANAGERS NOR ANY OF THEIR AFFILIATES, THEIR DIRECTORS, OFFICERS AND EMPLOYEES WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR DISRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS.

THE LETTER OF OFFER MAY CONTAIN STATEMENTS ABOUT FUTURE EVENTS AND EXPECTATIONS THAT CONSTITUTE FORWARD-LOOKING STATEMENTS. THERE CAN BE NO ASSURANCE THAT THE RESULTS AND EVENTS CONTEMPLATED BY THE FORWARD-LOOKING STATEMENTS CONTAINED THERE WILL IN FACT OCCUR. THE COMPANY, ITS DIRECTORS, THE LEAD MANAGERS OR ANY OF THEIR RESPECTIVE AFFILIATES DO NOT MAKE ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO, AND DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY WITH RESPECT TO, THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF ANY INFORMATION OR OPINION IN THE LETTER OF OFFER.

INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER PRESENTED HEREIN INVOLVES RISKS AND YOU SHOULD NOT INVEST ANY FUNDS IN THE ISSUE UNLESS YOU ARE PREPARED TO RISK LOSING ALL OR PART OF YOUR INVESTMENT. YOU ARE ADVISED TO CAREFULLY READ THE RISK FACTORS AND THE OTHER INFORMATION CONTAINED IN THE LETTER OF OFFER PRESENTED HEREIN BEFORE MAKING AN INVESTMENT DECISION. YOU ARE ADVISED TO CONSULT YOUR OWN ADVISORS ABOUT THE PARTICULAR CONSEQUENCES OF INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER.

THE LETTER OF OFFER MAY NOT BE DOWNLOADED, DELIVERED, FORWARDED OR DISTRIBUTED, ELECTRONICALLY OR OTHERWISE, IN WHOLE OR IN PART, TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY DOWNLOADING, FORWARDING, DELIVERY, DISTRIBUTION OR REPRODUCTION OF THE LETTER OF OFFER IN WHOLE OR IN PART IS UNAUTHORIZED. FAILURE TO COMPLY WITH THIS DISCLAIMER MAY RESULT IN A VIOLATION OF THE APPLICABLE LAWS.

ALL TERMS NOT DEFINED HEREIN SHALL HAVE THE MEANING ASCRIBED TO THEM IN THE LETTER OF OFFER.

IF YOU ARE NOT PERMITTED TO VIEW THE MATERIALS ON THIS WEBSITE OR ARE IN ANY DOUBT AS TO WHETHER YOU ARE PERMITTED TO VIEW THESE MATERIALS, PLEASE EXIT THIS WEBPAGE.

The information disclosed on this website has been uploaded by InCred Capital Wealth Portfolio Managers Private Limited solely pursuant to the requirements of the SEBI Circular No. CIR/MIRSD/1/2012 dated January 10, CIR/MIRSD/1/2012 dated 2012 (the “Circular”) and for the limited purpose of the Circular, without having regard to specific objectives, suitability, financial situations or the needs of any particular person, and does not constitute any recommendation, and should not be construed as an offer to sell or the solicitation of an offer to buy, purchase or subscribe to any securities mentioned herein. Neither this information, nor anything else contained on this website, shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. Nothing in this information is intended by us to be construed as legal, regulatory, accounting, tax or any other advice. Past performance is not necessarily a guide for future performance.

The information disclosed on this website has been collated from various sources, including, but not limited to, information obtained from the websites of the BSE Limited (www.bseindia.com), the National Stock Exchange of India Limited (www.nseindia.com), websites of the respective issuer companies, annual reports of the respective issuer companies. Such information has not been verified by us and neither us or our affiliates and our directors and employees and the directors and employees of our affiliates accepts or assumes any responsibility for any inaccuracy of the information contained herein or any loss, whether direct or indirect, incidental, special or consequential that may arise from or in connection with the use of this information or otherwise.

We do not undertake to update the information contained herein except as required by applicable law or regulation.

The information disclosed on this website has been uploaded by InCred Capital Wealth Portfolio Managers Private Limited solely pursuant to the requirements of the SEBI Circular No. CIR/MIRSD/1/2012 dated January 10, CIR/MIRSD/1/2012 dated 2012 (the “Circular”) and for the limited purpose of the Circular, without having regard to specific objectives, suitability, financial situations or the needs of any particular person, and does not constitute any recommendation, and should not be construed as an offer to sell or the solicitation of an offer to buy, purchase or subscribe to any securities mentioned herein. Neither this information, nor anything else contained on this website, shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. Nothing in this information is intended by us to be construed as legal, regulatory, accounting, tax or any other advice. Past performance is not necessarily a guide for future performance.

The information disclosed on this website has been collated from various sources, including, but not limited to, information obtained from the websites of the BSE Limited (www.bseindia.com), the National Stock Exchange of India Limited (www.nseindia.com), websites of the respective issuer companies, annual reports of the respective issuer companies. Such information has not been verified by us and neither us or our affiliates and our directors and employees and the directors and employees of our affiliates accepts or assumes any responsibility for any inaccuracy of the information contained herein or any loss, whether direct or indirect, incidental, special or consequential that may arise from or in connection with the use of this information or otherwise.

We do not undertake to update the information contained herein except as required by applicable law or regulation.

The information disclosed on this website has been uploaded by InCred Capital Wealth Portfolio Managers Private Limited solely pursuant to the requirements of the SEBI Circular No. CIR/MIRSD/1/2012 dated January 10, CIR/MIRSD/1/2012 dated 2012 (the “Circular”) and for the limited purpose of the Circular, without having regard to specific objectives, suitability, financial situations or the needs of any particular person, and does not constitute any recommendation, and should not be construed as an offer to sell or the solicitation of an offer to buy, purchase or subscribe to any securities mentioned herein. Neither this information, nor anything else contained on this website, shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. Nothing in this information is intended by us to be construed as legal, regulatory, accounting, tax or any other advice. Past performance is not necessarily a guide for future performance.

The information disclosed on this website has been collated from various sources, including, but not limited to, information obtained from the websites of the BSE Limited (www.bseindia.com), the National Stock Exchange of India Limited (www.nseindia.com), websites of the respective issuer companies, annual reports of the respective issuer companies. Such information has not been verified by us and neither us or our affiliates and our directors and employees and the directors and employees of our affiliates accepts or assumes any responsibility for any inaccuracy of the information contained herein or any loss, whether direct or indirect, incidental, special or consequential that may arise from or in connection with the use of this information or otherwise.

We do not undertake to update the information contained herein except as required by applicable law or regulation.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

PLEASE READ THIS NOTICE CAREFULLY. IT APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. VIEWING THIS INFORMATION MAY NOT BE LAWFUL IN CERTAIN JURISDICTIONS. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. YOU SHOULD READ IT IN FULL EACH TIME YOU VISIT THE WEBSITE. BY ACCESSING THIS INFORMATION ON THIS WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS BELOW, INCLUDING ANY MODIFICATIONS THAT MAY BE MADE TO THEM FROM TIME TO TIME.

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED IN THE UNITED STATES AND ARE ONLY INTENDED FOR DISTRIBUTION TO, AND USE BY, RESIDENTS OF INDIA, AND OTHER JURISDICTIONS WHERE SUCH OFFER AND SALE OF THE EQUITY SHARES IS PERMITTED UNDER LAWS OF SUCH JURISDICTIONS.

THESE MATERIALS ARE BEING MADE AVAILABLE ON THIS WEBSITE BY INDIABULLS HOUSING FINANCE LIMITED (THE “COMPANY”) SOLELY TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED (“SEBI ICDR REGULATIONS”) AND THE COMPANIES ACT, 2013, AND THE RULES MADE THEREUNDER, EACH AS AMENDED (“COMPANIES ACT”). MAKING THE LETTER OF OFFER AVAILABLE IN ELECTRONIC FORMAT ON THIS WEBSITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO SUBSCRIBE TO SECURITIES IN THE RIGHTS ISSUE IN ANY JURISDICTION.

NOTHING HEREIN CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. YOU ARE REMINDED THAT YOU HAVE ACCESSED THE LETTER OF OFFER ON THE BASIS THAT YOU ARE A PERSON INTO WHOSE POSSESSION THE DOCUMENTS MAY BE LAWFULLY DELIVERED IN ACCORDANCE WITH THE LAWS OF THE JURISDICTION IN WHICH YOU ARE LOCATED.

THIS DISCLAIMER APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. THE FOLLOWING DISCLAIMER APPLIES TO THE LETTER OF OFFER IN RELATION TO THE PROPOSED RIGHTS ISSUE OF EQUITY SHARES OF THE COMPANY TO ELIGIBLE EQUITY SHAREHOLDERS OF THE COMPANY (THE “RIGHTS EQUITY SHARES”, AND SUCH ENTITLEMENTS BY ELIGIBLE EQUITY SHAREHOLDERS, THE "RIGHTS ENTITLEMENTS”) FILED WITH BSE LIMITED AND THE NATIONAL STOCK EXCHANGE OF INDIA LIMITED (“STOCK EXCHANGES”) (THE “LETTER OF OFFER”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE LETTER OF OFFER.

THE RIGHTS ENTITLEMENTS AND THE RIGHTS EQUITY SHARES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S SECURITIES ACT AND MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES, EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S SECURITIES ACT”) AND APPLICABLE STATE SECURITIES LAWS. ACCORDINGLY, THE RIGHTS ENTITLEMENTS (INCLUDING THEIR CREDIT) AND THE RIGHTS EQUITY SHARES ARE ONLY BEING OFFERED AND SOLD OUTSIDE THE UNITED STATES IN “OFFSHORE TRANSACTIONS” AS DEFINED IN AND IN RELIANCE ON REGULATION S UNDER THE U.S. SECURITIES ACT TO ELIGIBLE EQUITY SHAREHOLDERS LOCATED IN JURISDICTIONS WHERE SUCH OFFER AND SALE IS PERMITTED UNDER THE LAWS OF SUCH JURISDICTIONS. THE OFFERING TO WHICH THIS LETTER OF OFFER RELATES IS NOT, AND UNDER NO CIRCUMSTANCES IS TO BE CONSTRUED AS, AN OFFERING OF ANY RIGHTS ENTITLEMENTS OR RIGHTS EQUITY SHARES FOR SALE IN THE UNITED STATES OR AS A SOLICITATION THEREIN OF AN OFFER TO BUY ANY OF THE SAID SECURITIES. ACCORDINGLY, YOU SHOULD NOT FORWARD OR TRANSMIT THIS LETTER OF OFFER INTO THE UNITED STATES AT ANY TIME.

ACCESS TO THIS WEBSITE SHALL NOT FORM THE BASIS OF, OR BE RELIED UPON IN CONNECTION WITH, ANY CONTRACT OR COMMITMENT WHATSOEVER. WE ARE NOT SOLICITING ANY ACTION OR DECISION BASED ON THE INFORMATION ON THIS WEBSITE.

THE LETTER OF OFFER HAS NOT BEEN AND WILL NOT BE FILED AS A PROSPECTUS WITH ANY REGISTRAR OF COMPANIES IN INDIA UNDER THE COMPANIES ACT. THE LETTER OF OFFER DOES NOT CONSTITUTE AN OFFER TO THE GENERAL PUBLIC TO SUBSCRIBE TO THE RIGHTS EQUITY SHARES DESCRIBED IN THE LETTER OF OFFER. THE LETTER OF OFFER HAS NOT BEEN REVIEWED AND APPROVED BY ANY REGULATORY AUTHORITY IN INDIA OR ABROAD, INCLUDING THE SECURITIES AND EXCHANGE BOARD OF INDIA, ANY REGISTRAR OF COMPANIES IN INDIA OR ANY STOCK EXCHANGE IN INDIA. THE LETTER OF OFFER IS NOT AND SHOULD NOT BE CONSTRUED AS AN INVITATION, OFFER OR SALE OF ANY SECURITIES TO THE PUBLIC IN INDIA.

NONE OF THE COMPANY, NUVAMA WEALTH MANAGEMENT LIMITED (FORMERLY KNOWN AS EDELWEISS SECURITIES LIMITED) AND INCRED CAPITAL WEALTH PORTFOLIO MANAGERS PRIVATE LIMITED (THE “LEAD MANAGERS”) AND ANY OF THEIR RESPECTIVE AFFILIATES, ACCEPTS ANY LIABILITY WHATSOEVER, DIRECT OR INDIRECT, THAT MAY ARISE FROM THE USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. ACCESS TO THIS WEBSITE DOES NOT CONSTITUTE A RECOMMENDATION BY THE COMPANY, THE LEAD MANAGERS, ANY OF THEIR RESPECTIVE AFFILIATES OR ANY OTHER PARTY TO SUBSCRIBE TO OR BUY OR SELL THE RIGHTS EQUITY SHARES. MAKING PRESS ANNOUNCEMENTS AND OTHER DOCUMENTS AVAILABLE IN ELECTRONIC FORMAT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY SECURITIES IN THE COMPANY.

THE INFORMATION IN THE LETTER OF OFFER IS AS OF THE DATE THEREOF AND NEITHER THE COMPANY, ITS DIRECTORS NOR THE LEAD MANAGERS ARE UNDER ANY OBLIGATION TO UPDATE OR REVISE THE LETTER OF OFFER TO REFLECT CIRCUMSTANCES ARISING AFTER THE DATE THEREOF.

YOU ACKNOWLEDGE THAT ACCESS TO THE LETTER OF OFFER IS INTENDED FOR USE BY YOU ONLY AND YOU AGREE NOT TO FORWARD THE LETTER OF OFFER TO ANY OTHER PERSON, IN WHOLE OR IN PART, OR OTHERWISE PROVIDE ACCESS VIA E-MAIL OR OTHERWISE TO ANY OTHER PERSON.

YOU ARE ACCESSING THIS WEBSITE AT YOUR OWN RISK AND IT IS YOUR RESPONSIBILITY TO TAKE PRECAUTIONS TO ENSURE THAT IT IS FREE FROM VIRUSES AND OTHER ITEMS OF A DESTRUCTIVE NATURE. NEITHER THE COMPANY, THE LEAD MANAGERS NOR ANY OF THEIR AFFILIATES, THEIR DIRECTORS, OFFICERS AND EMPLOYEES WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR DISRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS.

THE LETTER OF OFFER MAY CONTAIN STATEMENTS ABOUT FUTURE EVENTS AND EXPECTATIONS THAT CONSTITUTE FORWARD-LOOKING STATEMENTS. THERE CAN BE NO ASSURANCE THAT THE RESULTS AND EVENTS CONTEMPLATED BY THE FORWARD-LOOKING STATEMENTS CONTAINED THERE WILL IN FACT OCCUR. THE COMPANY, ITS DIRECTORS, THE LEAD MANAGERS OR ANY OF THEIR RESPECTIVE AFFILIATES DO NOT MAKE ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO, AND DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY WITH RESPECT TO, THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF ANY INFORMATION OR OPINION IN THE LETTER OF OFFER.

INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER PRESENTED HEREIN INVOLVES RISKS AND YOU SHOULD NOT INVEST ANY FUNDS IN THE ISSUE UNLESS YOU ARE PREPARED TO RISK LOSING ALL OR PART OF YOUR INVESTMENT. YOU ARE ADVISED TO CAREFULLY READ THE RISK FACTORS AND THE OTHER INFORMATION CONTAINED IN THE LETTER OF OFFER PRESENTED HEREIN BEFORE MAKING AN INVESTMENT DECISION. YOU ARE ADVISED TO CONSULT YOUR OWN ADVISORS ABOUT THE PARTICULAR CONSEQUENCES OF INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER.

THE LETTER OF OFFER MAY NOT BE DOWNLOADED, DELIVERED, FORWARDED OR DISTRIBUTED, ELECTRONICALLY OR OTHERWISE, IN WHOLE OR IN PART, TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY DOWNLOADING, FORWARDING, DELIVERY, DISTRIBUTION OR REPRODUCTION OF THE LETTER OF OFFER IN WHOLE OR IN PART IS UNAUTHORIZED. FAILURE TO COMPLY WITH THIS DISCLAIMER MAY RESULT IN A VIOLATION OF THE APPLICABLE LAWS.

ALL TERMS NOT DEFINED HEREIN SHALL HAVE THE MEANING ASCRIBED TO THEM IN THE LETTER OF OFFER.

IF YOU ARE NOT PERMITTED TO VIEW THE MATERIALS ON THIS WEBSITE OR ARE IN ANY DOUBT AS TO WHETHER YOU ARE PERMITTED TO VIEW THESE MATERIALS, PLEASE EXIT THIS WEBPAGE.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

PLEASE READ THIS NOTICE CAREFULLY. IT APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. VIEWING THIS INFORMATION MAY NOT BE LAWFUL IN CERTAIN JURISDICTIONS. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. YOU SHOULD READ IT IN FULL EACH TIME YOU VISIT THE WEBSITE. BY ACCESSING THIS INFORMATION ON THIS WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS BELOW, INCLUDING ANY MODIFICATIONS THAT MAY BE MADE TO THEM FROM TIME TO TIME.

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED IN THE UNITED STATES AND ARE ONLY INTENDED FOR DISTRIBUTION TO, AND USE BY, RESIDENTS OF INDIA, AND OTHER JURISDICTIONS WHERE SUCH OFFER AND SALE OF THE EQUITY SHARES IS PERMITTED UNDER LAWS OF SUCH JURISDICTIONS.

THESE MATERIALS ARE BEING MADE AVAILABLE ON THIS WEBSITE BY INDIABULLS HOUSING FINANCE LIMITED (THE “COMPANY”) SOLELY TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED (“SEBI ICDR REGULATIONS”) AND THE COMPANIES ACT, 2013, AND THE RULES MADE THEREUNDER, EACH AS AMENDED (“COMPANIES ACT”). MAKING THE LETTER OF OFFER AVAILABLE IN ELECTRONIC FORMAT ON THIS WEBSITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO SUBSCRIBE TO SECURITIES IN THE RIGHTS ISSUE IN ANY JURISDICTION.

NOTHING HEREIN CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. YOU ARE REMINDED THAT YOU HAVE ACCESSED THE LETTER OF OFFER ON THE BASIS THAT YOU ARE A PERSON INTO WHOSE POSSESSION THE DOCUMENTS MAY BE LAWFULLY DELIVERED IN ACCORDANCE WITH THE LAWS OF THE JURISDICTION IN WHICH YOU ARE LOCATED.

THIS DISCLAIMER APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. THE FOLLOWING DISCLAIMER APPLIES TO THE LETTER OF OFFER IN RELATION TO THE PROPOSED RIGHTS ISSUE OF EQUITY SHARES OF THE COMPANY TO ELIGIBLE EQUITY SHAREHOLDERS OF THE COMPANY (THE “RIGHTS EQUITY SHARES”, AND SUCH ENTITLEMENTS BY ELIGIBLE EQUITY SHAREHOLDERS, THE "RIGHTS ENTITLEMENTS”) FILED WITH BSE LIMITED AND THE NATIONAL STOCK EXCHANGE OF INDIA LIMITED (“STOCK EXCHANGES”) (THE “LETTER OF OFFER”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE LETTER OF OFFER.

THE RIGHTS ENTITLEMENTS AND THE RIGHTS EQUITY SHARES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S SECURITIES ACT AND MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES, EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S SECURITIES ACT”) AND APPLICABLE STATE SECURITIES LAWS. ACCORDINGLY, THE RIGHTS ENTITLEMENTS (INCLUDING THEIR CREDIT) AND THE RIGHTS EQUITY SHARES ARE ONLY BEING OFFERED AND SOLD OUTSIDE THE UNITED STATES IN “OFFSHORE TRANSACTIONS” AS DEFINED IN AND IN RELIANCE ON REGULATION S UNDER THE U.S. SECURITIES ACT TO ELIGIBLE EQUITY SHAREHOLDERS LOCATED IN JURISDICTIONS WHERE SUCH OFFER AND SALE IS PERMITTED UNDER THE LAWS OF SUCH JURISDICTIONS. THE OFFERING TO WHICH THIS LETTER OF OFFER RELATES IS NOT, AND UNDER NO CIRCUMSTANCES IS TO BE CONSTRUED AS, AN OFFERING OF ANY RIGHTS ENTITLEMENTS OR RIGHTS EQUITY SHARES FOR SALE IN THE UNITED STATES OR AS A SOLICITATION THEREIN OF AN OFFER TO BUY ANY OF THE SAID SECURITIES. ACCORDINGLY, YOU SHOULD NOT FORWARD OR TRANSMIT THIS LETTER OF OFFER INTO THE UNITED STATES AT ANY TIME.

ACCESS TO THIS WEBSITE SHALL NOT FORM THE BASIS OF, OR BE RELIED UPON IN CONNECTION WITH, ANY CONTRACT OR COMMITMENT WHATSOEVER. WE ARE NOT SOLICITING ANY ACTION OR DECISION BASED ON THE INFORMATION ON THIS WEBSITE.

THE LETTER OF OFFER HAS NOT BEEN AND WILL NOT BE FILED AS A PROSPECTUS WITH ANY REGISTRAR OF COMPANIES IN INDIA UNDER THE COMPANIES ACT. THE LETTER OF OFFER DOES NOT CONSTITUTE AN OFFER TO THE GENERAL PUBLIC TO SUBSCRIBE TO THE RIGHTS EQUITY SHARES DESCRIBED IN THE LETTER OF OFFER. THE LETTER OF OFFER HAS NOT BEEN REVIEWED AND APPROVED BY ANY REGULATORY AUTHORITY IN INDIA OR ABROAD, INCLUDING THE SECURITIES AND EXCHANGE BOARD OF INDIA, ANY REGISTRAR OF COMPANIES IN INDIA OR ANY STOCK EXCHANGE IN INDIA. THE LETTER OF OFFER IS NOT AND SHOULD NOT BE CONSTRUED AS AN INVITATION, OFFER OR SALE OF ANY SECURITIES TO THE PUBLIC IN INDIA.

NONE OF THE COMPANY, NUVAMA WEALTH MANAGEMENT LIMITED (FORMERLY KNOWN AS EDELWEISS SECURITIES LIMITED) AND INCRED CAPITAL WEALTH PORTFOLIO MANAGERS PRIVATE LIMITED (THE “LEAD MANAGERS”) AND ANY OF THEIR RESPECTIVE AFFILIATES, ACCEPTS ANY LIABILITY WHATSOEVER, DIRECT OR INDIRECT, THAT MAY ARISE FROM THE USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. ACCESS TO THIS WEBSITE DOES NOT CONSTITUTE A RECOMMENDATION BY THE COMPANY, THE LEAD MANAGERS, ANY OF THEIR RESPECTIVE AFFILIATES OR ANY OTHER PARTY TO SUBSCRIBE TO OR BUY OR SELL THE RIGHTS EQUITY SHARES. MAKING PRESS ANNOUNCEMENTS AND OTHER DOCUMENTS AVAILABLE IN ELECTRONIC FORMAT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY SECURITIES IN THE COMPANY.

THE INFORMATION IN THE LETTER OF OFFER IS AS OF THE DATE THEREOF AND NEITHER THE COMPANY, ITS DIRECTORS NOR THE LEAD MANAGERS ARE UNDER ANY OBLIGATION TO UPDATE OR REVISE THE LETTER OF OFFER TO REFLECT CIRCUMSTANCES ARISING AFTER THE DATE THEREOF.

YOU ACKNOWLEDGE THAT ACCESS TO THE LETTER OF OFFER IS INTENDED FOR USE BY YOU ONLY AND YOU AGREE NOT TO FORWARD THE LETTER OF OFFER TO ANY OTHER PERSON, IN WHOLE OR IN PART, OR OTHERWISE PROVIDE ACCESS VIA E-MAIL OR OTHERWISE TO ANY OTHER PERSON.

YOU ARE ACCESSING THIS WEBSITE AT YOUR OWN RISK AND IT IS YOUR RESPONSIBILITY TO TAKE PRECAUTIONS TO ENSURE THAT IT IS FREE FROM VIRUSES AND OTHER ITEMS OF A DESTRUCTIVE NATURE. NEITHER THE COMPANY, THE LEAD MANAGERS NOR ANY OF THEIR AFFILIATES, THEIR DIRECTORS, OFFICERS AND EMPLOYEES WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR DISRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS.

THE LETTER OF OFFER MAY CONTAIN STATEMENTS ABOUT FUTURE EVENTS AND EXPECTATIONS THAT CONSTITUTE FORWARD-LOOKING STATEMENTS. THERE CAN BE NO ASSURANCE THAT THE RESULTS AND EVENTS CONTEMPLATED BY THE FORWARD-LOOKING STATEMENTS CONTAINED THERE WILL IN FACT OCCUR. THE COMPANY, ITS DIRECTORS, THE LEAD MANAGERS OR ANY OF THEIR RESPECTIVE AFFILIATES DO NOT MAKE ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO, AND DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY WITH RESPECT TO, THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF ANY INFORMATION OR OPINION IN THE LETTER OF OFFER.

INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER PRESENTED HEREIN INVOLVES RISKS AND YOU SHOULD NOT INVEST ANY FUNDS IN THE ISSUE UNLESS YOU ARE PREPARED TO RISK LOSING ALL OR PART OF YOUR INVESTMENT. YOU ARE ADVISED TO CAREFULLY READ THE RISK FACTORS AND THE OTHER INFORMATION CONTAINED IN THE LETTER OF OFFER PRESENTED HEREIN BEFORE MAKING AN INVESTMENT DECISION. YOU ARE ADVISED TO CONSULT YOUR OWN ADVISORS ABOUT THE PARTICULAR CONSEQUENCES OF INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER.

THE LETTER OF OFFER MAY NOT BE DOWNLOADED, DELIVERED, FORWARDED OR DISTRIBUTED, ELECTRONICALLY OR OTHERWISE, IN WHOLE OR IN PART, TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY DOWNLOADING, FORWARDING, DELIVERY, DISTRIBUTION OR REPRODUCTION OF THE LETTER OF OFFER IN WHOLE OR IN PART IS UNAUTHORIZED. FAILURE TO COMPLY WITH THIS DISCLAIMER MAY RESULT IN A VIOLATION OF THE APPLICABLE LAWS.

ALL TERMS NOT DEFINED HEREIN SHALL HAVE THE MEANING ASCRIBED TO THEM IN THE LETTER OF OFFER.

IF YOU ARE NOT PERMITTED TO VIEW THE MATERIALS ON THIS WEBSITE OR ARE IN ANY DOUBT AS TO WHETHER YOU ARE PERMITTED TO VIEW THESE MATERIALS, PLEASE EXIT THIS WEBPAGE.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

PLEASE READ THIS NOTICE CAREFULLY. IT APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. VIEWING THIS INFORMATION MAY NOT BE LAWFUL IN CERTAIN JURISDICTIONS. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. YOU SHOULD READ IT IN FULL EACH TIME YOU VISIT THE WEBSITE. BY ACCESSING THIS INFORMATION ON THIS WEBSITE, YOU AGREE TO THE TERMS AND CONDITIONS BELOW, INCLUDING ANY MODIFICATIONS THAT MAY BE MADE TO THEM FROM TIME TO TIME.

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS LOCATED IN THE UNITED STATES AND ARE ONLY INTENDED FOR DISTRIBUTION TO, AND USE BY, RESIDENTS OF INDIA, AND OTHER JURISDICTIONS WHERE SUCH OFFER AND SALE OF THE EQUITY SHARES IS PERMITTED UNDER LAWS OF SUCH JURISDICTIONS.

THESE MATERIALS ARE BEING MADE AVAILABLE ON THIS WEBSITE BY INDIABULLS HOUSING FINANCE LIMITED (THE “COMPANY”) SOLELY TO COMPLY WITH SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED (“SEBI ICDR REGULATIONS”) AND THE COMPANIES ACT, 2013, AND THE RULES MADE THEREUNDER, EACH AS AMENDED (“COMPANIES ACT”). MAKING THE LETTER OF OFFER AVAILABLE IN ELECTRONIC FORMAT ON THIS WEBSITE DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO SUBSCRIBE TO SECURITIES IN THE RIGHTS ISSUE IN ANY JURISDICTION.

NOTHING HEREIN CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. YOU ARE REMINDED THAT YOU HAVE ACCESSED THE LETTER OF OFFER ON THE BASIS THAT YOU ARE A PERSON INTO WHOSE POSSESSION THE DOCUMENTS MAY BE LAWFULLY DELIVERED IN ACCORDANCE WITH THE LAWS OF THE JURISDICTION IN WHICH YOU ARE LOCATED.

THIS DISCLAIMER APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. THE FOLLOWING DISCLAIMER APPLIES TO THE LETTER OF OFFER IN RELATION TO THE PROPOSED RIGHTS ISSUE OF EQUITY SHARES OF THE COMPANY TO ELIGIBLE EQUITY SHAREHOLDERS OF THE COMPANY (THE “RIGHTS EQUITY SHARES”, AND SUCH ENTITLEMENTS BY ELIGIBLE EQUITY SHAREHOLDERS, THE "RIGHTS ENTITLEMENTS”) FILED WITH BSE LIMITED AND THE NATIONAL STOCK EXCHANGE OF INDIA LIMITED (“STOCK EXCHANGES”) (THE “LETTER OF OFFER”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE LETTER OF OFFER.

THE RIGHTS ENTITLEMENTS AND THE RIGHTS EQUITY SHARES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE U.S SECURITIES ACT AND MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES, EXCEPT PURSUANT TO AN EXEMPTION FROM, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE U.S. SECURITIES ACT OF 1933, AS AMENDED (THE “U.S SECURITIES ACT”) AND APPLICABLE STATE SECURITIES LAWS. ACCORDINGLY, THE RIGHTS ENTITLEMENTS (INCLUDING THEIR CREDIT) AND THE RIGHTS EQUITY SHARES ARE ONLY BEING OFFERED AND SOLD OUTSIDE THE UNITED STATES IN “OFFSHORE TRANSACTIONS” AS DEFINED IN AND IN RELIANCE ON REGULATION S UNDER THE U.S. SECURITIES ACT TO ELIGIBLE EQUITY SHAREHOLDERS LOCATED IN JURISDICTIONS WHERE SUCH OFFER AND SALE IS PERMITTED UNDER THE LAWS OF SUCH JURISDICTIONS. THE OFFERING TO WHICH THIS LETTER OF OFFER RELATES IS NOT, AND UNDER NO CIRCUMSTANCES IS TO BE CONSTRUED AS, AN OFFERING OF ANY RIGHTS ENTITLEMENTS OR RIGHTS EQUITY SHARES FOR SALE IN THE UNITED STATES OR AS A SOLICITATION THEREIN OF AN OFFER TO BUY ANY OF THE SAID SECURITIES. ACCORDINGLY, YOU SHOULD NOT FORWARD OR TRANSMIT THIS LETTER OF OFFER INTO THE UNITED STATES AT ANY TIME.

ACCESS TO THIS WEBSITE SHALL NOT FORM THE BASIS OF, OR BE RELIED UPON IN CONNECTION WITH, ANY CONTRACT OR COMMITMENT WHATSOEVER. WE ARE NOT SOLICITING ANY ACTION OR DECISION BASED ON THE INFORMATION ON THIS WEBSITE.

THE LETTER OF OFFER HAS NOT BEEN AND WILL NOT BE FILED AS A PROSPECTUS WITH ANY REGISTRAR OF COMPANIES IN INDIA UNDER THE COMPANIES ACT. THE LETTER OF OFFER DOES NOT CONSTITUTE AN OFFER TO THE GENERAL PUBLIC TO SUBSCRIBE TO THE RIGHTS EQUITY SHARES DESCRIBED IN THE LETTER OF OFFER. THE LETTER OF OFFER HAS NOT BEEN REVIEWED AND APPROVED BY ANY REGULATORY AUTHORITY IN INDIA OR ABROAD, INCLUDING THE SECURITIES AND EXCHANGE BOARD OF INDIA, ANY REGISTRAR OF COMPANIES IN INDIA OR ANY STOCK EXCHANGE IN INDIA. THE LETTER OF OFFER IS NOT AND SHOULD NOT BE CONSTRUED AS AN INVITATION, OFFER OR SALE OF ANY SECURITIES TO THE PUBLIC IN INDIA.

NONE OF THE COMPANY, NUVAMA WEALTH MANAGEMENT LIMITED (FORMERLY KNOWN AS EDELWEISS SECURITIES LIMITED) AND INCRED CAPITAL WEALTH PORTFOLIO MANAGERS PRIVATE LIMITED (THE “LEAD MANAGERS”) AND ANY OF THEIR RESPECTIVE AFFILIATES, ACCEPTS ANY LIABILITY WHATSOEVER, DIRECT OR INDIRECT, THAT MAY ARISE FROM THE USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. ACCESS TO THIS WEBSITE DOES NOT CONSTITUTE A RECOMMENDATION BY THE COMPANY, THE LEAD MANAGERS, ANY OF THEIR RESPECTIVE AFFILIATES OR ANY OTHER PARTY TO SUBSCRIBE TO OR BUY OR SELL THE RIGHTS EQUITY SHARES. MAKING PRESS ANNOUNCEMENTS AND OTHER DOCUMENTS AVAILABLE IN ELECTRONIC FORMAT DOES NOT CONSTITUTE AN OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY SECURITIES IN THE COMPANY.

THE INFORMATION IN THE LETTER OF OFFER IS AS OF THE DATE THEREOF AND NEITHER THE COMPANY, ITS DIRECTORS NOR THE LEAD MANAGERS ARE UNDER ANY OBLIGATION TO UPDATE OR REVISE THE LETTER OF OFFER TO REFLECT CIRCUMSTANCES ARISING AFTER THE DATE THEREOF.

YOU ACKNOWLEDGE THAT ACCESS TO THE LETTER OF OFFER IS INTENDED FOR USE BY YOU ONLY AND YOU AGREE NOT TO FORWARD THE LETTER OF OFFER TO ANY OTHER PERSON, IN WHOLE OR IN PART, OR OTHERWISE PROVIDE ACCESS VIA E-MAIL OR OTHERWISE TO ANY OTHER PERSON.

YOU ARE ACCESSING THIS WEBSITE AT YOUR OWN RISK AND IT IS YOUR RESPONSIBILITY TO TAKE PRECAUTIONS TO ENSURE THAT IT IS FREE FROM VIRUSES AND OTHER ITEMS OF A DESTRUCTIVE NATURE. NEITHER THE COMPANY, THE LEAD MANAGERS NOR ANY OF THEIR AFFILIATES, THEIR DIRECTORS, OFFICERS AND EMPLOYEES WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR DISRUPTION OF THIS WEBSITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS WEBSITE OR THE DATA CONTAINED THEREIN AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE WEBSITE OR THESE MATERIALS.

THE LETTER OF OFFER MAY CONTAIN STATEMENTS ABOUT FUTURE EVENTS AND EXPECTATIONS THAT CONSTITUTE FORWARD-LOOKING STATEMENTS. THERE CAN BE NO ASSURANCE THAT THE RESULTS AND EVENTS CONTEMPLATED BY THE FORWARD-LOOKING STATEMENTS CONTAINED THERE WILL IN FACT OCCUR. THE COMPANY, ITS DIRECTORS, THE LEAD MANAGERS OR ANY OF THEIR RESPECTIVE AFFILIATES DO NOT MAKE ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, AS TO, AND DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY WITH RESPECT TO, THE FAIRNESS, ACCURACY, COMPLETENESS OR CORRECTNESS OF ANY INFORMATION OR OPINION IN THE LETTER OF OFFER.

INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER PRESENTED HEREIN INVOLVES RISKS AND YOU SHOULD NOT INVEST ANY FUNDS IN THE ISSUE UNLESS YOU ARE PREPARED TO RISK LOSING ALL OR PART OF YOUR INVESTMENT. YOU ARE ADVISED TO CAREFULLY READ THE RISK FACTORS AND THE OTHER INFORMATION CONTAINED IN THE LETTER OF OFFER PRESENTED HEREIN BEFORE MAKING AN INVESTMENT DECISION. YOU ARE ADVISED TO CONSULT YOUR OWN ADVISORS ABOUT THE PARTICULAR CONSEQUENCES OF INVESTING IN THE SECURITIES DESCRIBED IN THE LETTER OF OFFER.

THE LETTER OF OFFER MAY NOT BE DOWNLOADED, DELIVERED, FORWARDED OR DISTRIBUTED, ELECTRONICALLY OR OTHERWISE, IN WHOLE OR IN PART, TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY DOWNLOADING, FORWARDING, DELIVERY, DISTRIBUTION OR REPRODUCTION OF THE LETTER OF OFFER IN WHOLE OR IN PART IS UNAUTHORIZED. FAILURE TO COMPLY WITH THIS DISCLAIMER MAY RESULT IN A VIOLATION OF THE APPLICABLE LAWS.

ALL TERMS NOT DEFINED HEREIN SHALL HAVE THE MEANING ASCRIBED TO THEM IN THE LETTER OF OFFER.

IF YOU ARE NOT PERMITTED TO VIEW THE MATERIALS ON THIS WEBSITE OR ARE IN ANY DOUBT AS TO WHETHER YOU ARE PERMITTED TO VIEW THESE MATERIALS, PLEASE EXIT THIS WEBPAGE.

The information disclosed on this website has been uploaded by InCred Capital Wealth Portfolio Managers Private Limited solely pursuant to the requirements of the SEBI Circular No. CIR/MIRSD/1/2012 dated January 10, CIR/MIRSD/1/2012 dated 2012 (the “Circular”) and for the limited purpose of the Circular, without having regard to specific objectives, suitability, financial situations or the needs of any particular person, and does not constitute any recommendation, and should not be construed as an offer to sell or the solicitation of an offer to buy, purchase or subscribe to any securities mentioned herein. Neither this information, nor anything else contained on this website, shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. Nothing in this information is intended by us to be construed as legal, regulatory, accounting, tax or any other advice. Past performance is not necessarily a guide for future performance.

The information disclosed on this website has been collated from various sources, including, but not limited to, information obtained from the websites of the BSE Limited (www.bseindia.com), the National Stock Exchange of India Limited (www.nseindia.com), websites of the respective issuer companies, annual reports of the respective issuer companies. Such information has not been verified by us and neither us or our affiliates and our directors and employees and the directors and employees of our affiliates accepts or assumes any responsibility for any inaccuracy of the information contained herein or any loss, whether direct or indirect, incidental, special or consequential that may arise from or in connection with the use of this information or otherwise.

We do not undertake to update the information contained herein except as required by applicable law or regulation.

NOTE: THE ELECTRONIC VERSION OF THE PROSPECTUS (“PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, INCRED FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS KKR INDIA FINANCIAL SERVICES LIMITED) (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEBSITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE PROSPECTUS. BY ACCESSING THE PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully - It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Prospectus to any other person or (2) reproduce such Prospectus in any manner whatsoever. Any distribution or reproduction of the Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Prospectus as appearing on this website are identical to the Prospectus filed with the BSE Limited (“BSE”), and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. JM Financial Limited and InCred Capital Wealth Portfolio Managers Private Limited (“Lead Managers”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this web site. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited). Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited).

Confirmation of understanding and acceptance of the disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

NOTE: THE ELECTRONIC VERSION OF THE PROSPECTUS (“PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, INCRED FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS KKR INDIA FINANCIAL SERVICES LIMITED) (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEBSITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE PROSPECTUS. BY ACCESSING THE PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully - It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Prospectus to any other person or (2) reproduce such Prospectus in any manner whatsoever. Any distribution or reproduction of the Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Prospectus as appearing on this website are identical to the Prospectus filed with the BSE Limited (“BSE”), and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. JM Financial Limited and InCred Capital Wealth Portfolio Managers Private Limited (“Lead Managers”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this web site. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited). Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited).

Confirmation of understanding and acceptance of the disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

NOTE: THE ELECTRONIC VERSION OF THE DRAFT PROSPECTUS (“DRAFT PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, INCRED FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS KKR INDIA FINANCIAL SERVICES LIMITED) (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE DRAFT PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEB SITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE DRAFT PROSPECTUS. BY ACCESSING THE DRAFT PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully - It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Draft Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Draft Prospectus to any other person or (2) reproduce such Draft Prospectus in any manner whatsoever. Any distribution or reproduction of the Draft Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Draft Prospectus as appearing on this website are identical to the Draft Prospectus filed with the BSE Limited (“BSE”), National Stock Exchange of India

Limited (“NSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. JM Financial Limited (“Lead Manager”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited). Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited).

Confirmation of understanding and acceptance of the disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the offering documents of certain companies filed with Securities and Exchange Board of India ("SEBI") (the "Offering Documents" and each, an "Offering Document") hosted on this website in connection with the public offering of securities (the "Offer(s)") that InCred Capital Wealth Portfolio Managers Private Limited ("InCred Capital"), or any of its affiliates, or their respective directors, officers and employees (together, the "Affiliates") is associated with as a Book Running Lead Manager. The Offer Documents have been made available on this web site in electronic form solely to comply with the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended from time to time. You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Offering Documents. By accessing the Offering Documents, you agree to follow the following terms and conditions, including any modifications to them from time to time.

The contents of the Offering Documents are for your information only. No part of the contents herein shall be copied or duplicated in any form by any means or redistributed and in particular, may not be forwarded to any U.S. person or to any U.S. address. Any forwarding, distribution or reproduction of the contents herein in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the U.S. Securities Act of 1933, as amended (the “Securities Act”) or the applicable laws of other jurisdictions. InCred Capital and/or its Affiliates are not soliciting any action based on it, and it should not be construed as an offer to sell or the solicitation of any Offer to buy or subscribe for any security and should not be construed as such. Neither InCred Capital nor its Affiliates represent that the contents of the Offering Documents herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Please note that owing to restrictions imposed by law on soliciting securities business in various jurisdictions, subscription to the offer will not be permitted to residents of certain jurisdictions. The Offering Documents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) InCred Capital or any of its Affiliates would by virtue of such distribution become subject to new or additional registration requirements.

The information contained in this portion of our website is not intended to be viewed by U.S. persons or any person in the United States. The information contained on this website does not constitute an offer for sale in the United States or to any US Person (as defined below). You have accessed the attached document on the basis that you have confirmed to InCred Capital and its Affiliates that you are not resident in the United States nor a US Person, as defined in Regulation S under the Securities Act, nor acting for the benefit or account of a US Person. The securities described in each of the Offering Documents have not been, and will not be, registered under the Securities Act, or with any securities regulatory authority of any state or other jurisdiction in the United States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or an exemption from the registration requirements is available. This does not constitute, and should not be construed as, "general solicitation or general advertising" as defined under Regulation D of the Securities Act, or "directed selling efforts" under Regulation S of the Securities Act.

The Offering Documents have been hosted on this website as prescribed under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended ("SEBI ICDR Regulations"). InCred Capital, one of the Book Running Lead Managers has taken all necessary steps to ensure that the contents of the Offering Document as appearing on this website are identical to the Offering Document filed with SEBI for its comments in accordance with SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither InCred Capital nor any of its Affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. InCred Capital will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website.

Neither InCred Capital, nor any of its Affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in producing or hosting this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access or use of the website or these materials. Please note that forms downloaded and used for subscription to the Offer in contravention of the above will be rejected with no recourse to InCred Capital or the issuer. Please be advised that to view information on this site, you must accept the conditions of the legal disclaimer.

Please click on the "I ACCEPT" button to read the Offering Documents.

By clicking “I ACCEPT” I hereby confirm that, I am a resident of India and have read the Legal Disclaimer and am entitled to receive information contained in this website.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the offering documents of certain companies filed with Securities and Exchange Board of India ("SEBI") (the "Offering Documents" and each, an "Offering Document") hosted on this website in connection with the public offering of securities (the "Offer(s)") that InCred Capital Wealth Portfolio Managers Private Limited ("InCred Capital"), or any of its affiliates, or their respective directors, officers and employees (together, the "Affiliates") is associated with as a Book Running Lead Manager. The Offer Documents have been made available on this web site in electronic form solely to comply with the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended from time to time. You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Offering Documents. By accessing the Offering Documents, you agree to follow the following terms and conditions, including any modifications to them from time to time.

The contents of the Offering Documents are for your information only. No part of the contents herein shall be copied or duplicated in any form by any means or redistributed and in particular, may not be forwarded to any U.S. person or to any U.S. address. Any forwarding, distribution or reproduction of the contents herein in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the U.S. Securities Act of 1933, as amended (the “Securities Act”) or the applicable laws of other jurisdictions. InCred Capital and/or its Affiliates are not soliciting any action based on it, and it should not be construed as an offer to sell or the solicitation of any Offer to buy or subscribe for any security and should not be construed as such. Neither InCred Capital nor its Affiliates represent that the contents of the Offering Documents herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Please note that owing to restrictions imposed by law on soliciting securities business in various jurisdictions, subscription to the offer will not be permitted to residents of certain jurisdictions. The Offering Documents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) InCred Capital or any of its Affiliates would by virtue of such distribution become subject to new or additional registration requirements.

The information contained in this portion of our website is not intended to be viewed by U.S. persons or any person in the United States. The information contained on this website does not constitute an offer for sale in the United States or to any US Person (as defined below). You have accessed the attached document on the basis that you have confirmed to InCred Capital and its Affiliates that you are not resident in the United States nor a US Person, as defined in Regulation S under the Securities Act, nor acting for the benefit or account of a US Person. The securities described in each of the Offering Documents have not been, and will not be, registered under the Securities Act, or with any securities regulatory authority of any state or other jurisdiction in the United States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or an exemption from the registration requirements is available. This does not constitute, and should not be construed as, "general solicitation or general advertising" as defined under Regulation D of the Securities Act, or "directed selling efforts" under Regulation S of the Securities Act.

The Offering Documents have been hosted on this website as prescribed under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended ("SEBI ICDR Regulations"). InCred Capital, one of the Book Running Lead Managers has taken all necessary steps to ensure that the contents of the Offering Document as appearing on this website are identical to the Offering Document filed with SEBI for its comments in accordance with SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither InCred Capital nor any of its Affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. InCred Capital will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website.

Neither InCred Capital, nor any of its Affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in producing or hosting this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access or use of the website or these materials. Please note that forms downloaded and used for subscription to the Offer in contravention of the above will be rejected with no recourse to InCred Capital or the issuer. Please be advised that to view information on this site, you must accept the conditions of the legal disclaimer.

Please click on the "I ACCEPT" button to read the Offering Documents.

By clicking “I ACCEPT” I hereby confirm that, I am a resident of India and have read the Legal Disclaimer and am entitled to receive information contained in this website.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the offering documents of certain companies filed with Securities and Exchange Board of India ("SEBI") (the "Offering Documents" and each, an "Offering Document") hosted on this website in connection with the public offering of securities (the "Offer(s)") that InCred Capital Wealth Portfolio Managers Private Limited ("InCred Capital"), or any of its affiliates, or their respective directors, officers and employees (together, the "Affiliates") is associated with as a Book Running Lead Manager. The Offer Documents have been made available on this web site in electronic form solely to comply with the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended from time to time. You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Offering Documents. By accessing the Offering Documents, you agree to follow the following terms and conditions, including any modifications to them from time to time.

The contents of the Offering Documents are for your information only. No part of the contents herein shall be copied or duplicated in any form by any means or redistributed and in particular, may not be forwarded to any U.S. person or to any U.S. address. Any forwarding, distribution or reproduction of the contents herein in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the U.S. Securities Act of 1933, as amended (the “Securities Act”) or the applicable laws of other jurisdictions. InCred Capital and/or its Affiliates are not soliciting any action based on it, and it should not be construed as an offer to sell or the solicitation of any Offer to buy or subscribe for any security and should not be construed as such. Neither InCred Capital nor its Affiliates represent that the contents of the Offering Documents herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Please note that owing to restrictions imposed by law on soliciting securities business in various jurisdictions, subscription to the offer will not be permitted to residents of certain jurisdictions. The Offering Documents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) InCred Capital or any of its Affiliates would by virtue of such distribution become subject to new or additional registration requirements.

The information contained in this portion of our website is not intended to be viewed by U.S. persons or any person in the United States. The information contained on this website does not constitute an offer for sale in the United States or to any US Person (as defined below). You have accessed the attached document on the basis that you have confirmed to InCred Capital and its Affiliates that you are not resident in the United States nor a US Person, as defined in Regulation S under the Securities Act, nor acting for the benefit or account of a US Person. The securities described in each of the Offering Documents have not been, and will not be, registered under the Securities Act, or with any securities regulatory authority of any state or other jurisdiction in the United States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or an exemption from the registration requirements is available. This does not constitute, and should not be construed as, "general solicitation or general advertising" as defined under Regulation D of the Securities Act, or "directed selling efforts" under Regulation S of the Securities Act.

The Offering Documents have been hosted on this website as prescribed under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended ("SEBI ICDR Regulations"). InCred Capital, one of the Book Running Lead Managers has taken all necessary steps to ensure that the contents of the Offering Document as appearing on this website are identical to the Offering Document filed with SEBI for its comments in accordance with SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither InCred Capital nor any of its Affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. InCred Capital will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website.

Neither InCred Capital, nor any of its Affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in producing or hosting this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access or use of the website or these materials. Please note that forms downloaded and used for subscription to the Offer in contravention of the above will be rejected with no recourse to InCred Capital or the issuer. Please be advised that to view information on this site, you must accept the conditions of the legal disclaimer.

Please click on the "I ACCEPT" button to read the Offering Documents.

By clicking “I ACCEPT” I hereby confirm that, I am a resident of India and have read the Legal Disclaimer and am entitled to receive information contained in this website.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the offering documents of certain companies filed with Securities and Exchange Board of India ("SEBI") (the "Offering Documents" and each, an "Offering Document") hosted on this website in connection with the public offering of securities (the "Offer(s)") that InCred Capital Wealth Portfolio Managers Private Limited ("InCred Capital"), or any of its affiliates, or their respective directors, officers and employees (together, the "Affiliates") is associated with as a Book Running Lead Manager. The Offer Documents have been made available on this web site in electronic form solely to comply with the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended from time to time. You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Offering Documents. By accessing the Offering Documents, you agree to follow the following terms and conditions, including any modifications to them from time to time.

The contents of the Offering Documents are for your information only. No part of the contents herein shall be copied or duplicated in any form by any means or redistributed and in particular, may not be forwarded to any U.S. person or to any U.S. address. Any forwarding, distribution or reproduction of the contents herein in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the U.S. Securities Act of 1933, as amended (the “Securities Act”) or the applicable laws of other jurisdictions. InCred Capital and/or its Affiliates are not soliciting any action based on it, and it should not be construed as an offer to sell or the solicitation of any Offer to buy or subscribe for any security and should not be construed as such. Neither InCred Capital nor its Affiliates represent that the contents of the Offering Documents herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Please note that owing to restrictions imposed by law on soliciting securities business in various jurisdictions, subscription to the offer will not be permitted to residents of certain jurisdictions. The Offering Documents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) InCred Capital or any of its Affiliates would by virtue of such distribution become subject to new or additional registration requirements.

The information contained in this portion of our website is not intended to be viewed by U.S. persons or any person in the United States. The information contained on this website does not constitute an offer for sale in the United States or to any US Person (as defined below). You have accessed the attached document on the basis that you have confirmed to InCred Capital and its Affiliates that you are not resident in the United States nor a US Person, as defined in Regulation S under the Securities Act, nor acting for the benefit or account of a US Person. The securities described in each of the Offering Documents have not been, and will not be, registered under the Securities Act, or with any securities regulatory authority of any state or other jurisdiction in the United States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or an exemption from the registration requirements is available. This does not constitute, and should not be construed as, "general solicitation or general advertising" as defined under Regulation D of the Securities Act, or "directed selling efforts" under Regulation S of the Securities Act.

The Offering Documents have been hosted on this website as prescribed under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended ("SEBI ICDR Regulations"). InCred Capital, one of the Book Running Lead Managers has taken all necessary steps to ensure that the contents of the Offering Document as appearing on this website are identical to the Offering Document filed with SEBI for its comments in accordance with SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither InCred Capital nor any of its Affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. InCred Capital will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website.

Neither InCred Capital, nor any of its Affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in producing or hosting this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access or use of the website or these materials. Please note that forms downloaded and used for subscription to the Offer in contravention of the above will be rejected with no recourse to InCred Capital or the issuer. Please be advised that to view information on this site, you must accept the conditions of the legal disclaimer.

Please click on the "I ACCEPT" button to read the Offering Documents.

By clicking “I ACCEPT” I hereby confirm that, I am a resident of India and have read the Legal Disclaimer and am entitled to receive information contained in this website.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the offering documents of certain companies filed with Securities and Exchange Board of India ("SEBI") (the "Offering Documents" and each, an "Offering Document") hosted on this website in connection with the public offering of securities (the "Offer(s)") that InCred Capital Wealth Portfolio Managers Private Limited ("InCred Capital"), or any of its affiliates, or their respective directors, officers and employees (together, the "Affiliates") is associated with as a Book Running Lead Manager. The Offer Documents have been made available on this web site in electronic form solely to comply with the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended from time to time. You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Offering Documents. By accessing the Offering Documents, you agree to follow the following terms and conditions, including any modifications to them from time to time.

The contents of the Offering Documents are for your information only. No part of the contents herein shall be copied or duplicated in any form by any means or redistributed and in particular, may not be forwarded to any U.S. person or to any U.S. address. Any forwarding, distribution or reproduction of the contents herein in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the U.S. Securities Act of 1933, as amended (the “Securities Act”) or the applicable laws of other jurisdictions. InCred Capital and/or its Affiliates are not soliciting any action based on it, and it should not be construed as an offer to sell or the solicitation of any Offer to buy or subscribe for any security and should not be construed as such. Neither InCred Capital nor its Affiliates represent that the contents of the Offering Documents herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Please note that owing to restrictions imposed by law on soliciting securities business in various jurisdictions, subscription to the offer will not be permitted to residents of certain jurisdictions. The Offering Documents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) InCred Capital or any of its Affiliates would by virtue of such distribution become subject to new or additional registration requirements.

The information contained in this portion of our website is not intended to be viewed by U.S. persons or any person in the United States. The information contained on this website does not constitute an offer for sale in the United States or to any US Person (as defined below). You have accessed the attached document on the basis that you have confirmed to InCred Capital and its Affiliates that you are not resident in the United States nor a US Person, as defined in Regulation S under the Securities Act, nor acting for the benefit or account of a US Person. The securities described in each of the Offering Documents have not been, and will not be, registered under the Securities Act, or with any securities regulatory authority of any state or other jurisdiction in the United States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or an exemption from the registration requirements is available. This does not constitute, and should not be construed as, "general solicitation or general advertising" as defined under Regulation D of the Securities Act, or "directed selling efforts" under Regulation S of the Securities Act.

The Offering Documents have been hosted on this website as prescribed under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended ("SEBI ICDR Regulations"). InCred Capital, one of the Book Running Lead Managers has taken all necessary steps to ensure that the contents of the Offering Document as appearing on this website are identical to the Offering Document filed with SEBI for its comments in accordance with SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither InCred Capital nor any of its Affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. InCred Capital will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website.

Neither InCred Capital, nor any of its Affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in producing or hosting this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access or use of the website or these materials. Please note that forms downloaded and used for subscription to the Offer in contravention of the above will be rejected with no recourse to InCred Capital or the issuer. Please be advised that to view information on this site, you must accept the conditions of the legal disclaimer.

Please click on the "I ACCEPT" button to read the Offering Documents.

By clicking “I ACCEPT” I hereby confirm that, I am a resident of India and have read the Legal Disclaimer and am entitled to receive information contained in this website.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the offering documents of certain companies filed with Securities and Exchange Board of India ("SEBI") (the "Offering Documents" and each, an "Offering Document") hosted on this website in connection with the public offering of securities (the "Offer(s)") that InCred Capital Wealth Portfolio Managers Private Limited ("InCred Capital"), or any of its affiliates, or their respective directors, officers and employees (together, the "Affiliates") is associated with as a Book Running Lead Manager. The Offer Documents have been made available on this web site in electronic form solely to comply with the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended from time to time. You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Offering Documents. By accessing the Offering Documents, you agree to follow the following terms and conditions, including any modifications to them from time to time.

The contents of the Offering Documents are for your information only. No part of the contents herein shall be copied or duplicated in any form by any means or redistributed and in particular, may not be forwarded to any U.S. person or to any U.S. address. Any forwarding, distribution or reproduction of the contents herein in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the U.S. Securities Act of 1933, as amended (the “Securities Act”) or the applicable laws of other jurisdictions. InCred Capital and/or its Affiliates are not soliciting any action based on it, and it should not be construed as an offer to sell or the solicitation of any Offer to buy or subscribe for any security and should not be construed as such. Neither InCred Capital nor its Affiliates represent that the contents of the Offering Documents herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Please note that owing to restrictions imposed by law on soliciting securities business in various jurisdictions, subscription to the offer will not be permitted to residents of certain jurisdictions. The Offering Documents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) InCred Capital or any of its Affiliates would by virtue of such distribution become subject to new or additional registration requirements.

The information contained in this portion of our website is not intended to be viewed by U.S. persons or any person in the United States. The information contained on this website does not constitute an offer for sale in the United States or to any US Person (as defined below). You have accessed the attached document on the basis that you have confirmed to InCred Capital and its Affiliates that you are not resident in the United States nor a US Person, as defined in Regulation S under the Securities Act, nor acting for the benefit or account of a US Person. The securities described in each of the Offering Documents have not been, and will not be, registered under the Securities Act, or with any securities regulatory authority of any state or other jurisdiction in the United States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or an exemption from the registration requirements is available. This does not constitute, and should not be construed as, "general solicitation or general advertising" as defined under Regulation D of the Securities Act, or "directed selling efforts" under Regulation S of the Securities Act.

The Offering Documents have been hosted on this website as prescribed under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended ("SEBI ICDR Regulations"). InCred Capital, one of the Book Running Lead Managers has taken all necessary steps to ensure that the contents of the Offering Document as appearing on this website are identical to the Offering Document filed with SEBI for its comments in accordance with SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither InCred Capital nor any of its Affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. InCred Capital will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website.

Neither InCred Capital, nor any of its Affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in producing or hosting this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access or use of the website or these materials. Please note that forms downloaded and used for subscription to the Offer in contravention of the above will be rejected with no recourse to InCred Capital or the issuer. Please be advised that to view information on this site, you must accept the conditions of the legal disclaimer.

Please click on the "I ACCEPT" button to read the Offering Documents.

By clicking “I ACCEPT” I hereby confirm that, I am a resident of India and have read the Legal Disclaimer and am entitled to receive information contained in this website.

IMPORTANT: You must read and agree with the terms and conditions of the following disclaimer before continuing.

The following disclaimer applies to the offering documents of certain companies filed with Securities and Exchange Board of India ("SEBI") (the "Offering Documents" and each, an "Offering Document") hosted on this website in connection with the public offering of securities (the "Offer(s)") that InCred Capital Wealth Portfolio Managers Private Limited ("InCred Capital"), or any of its affiliates, or their respective directors, officers and employees (together, the "Affiliates") is associated with as a Book Running Lead Manager. The Offer Documents have been made available on this web site in electronic form solely to comply with the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended from time to time. You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Offering Documents. By accessing the Offering Documents, you agree to follow the following terms and conditions, including any modifications to them from time to time.

The contents of the Offering Documents are for your information only. No part of the contents herein shall be copied or duplicated in any form by any means or redistributed and in particular, may not be forwarded to any U.S. person or to any U.S. address. Any forwarding, distribution or reproduction of the contents herein in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the U.S. Securities Act of 1933, as amended (the “Securities Act”) or the applicable laws of other jurisdictions. InCred Capital and/or its Affiliates are not soliciting any action based on it, and it should not be construed as an offer to sell or the solicitation of any Offer to buy or subscribe for any security and should not be construed as such. Neither InCred Capital nor its Affiliates represent that the contents of the Offering Documents herein are accurate or complete. The information contained herein not been updated since its original publication date and may not reflect the latest updates.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Please note that owing to restrictions imposed by law on soliciting securities business in various jurisdictions, subscription to the offer will not be permitted to residents of certain jurisdictions. The Offering Documents are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where (a) distribution or use of such information would be contrary to law or regulation; or (b) InCred Capital or any of its Affiliates would by virtue of such distribution become subject to new or additional registration requirements.

The information contained in this portion of our website is not intended to be viewed by U.S. persons or any person in the United States. The information contained on this website does not constitute an offer for sale in the United States or to any US Person (as defined below). You have accessed the attached document on the basis that you have confirmed to InCred Capital and its Affiliates that you are not resident in the United States nor a US Person, as defined in Regulation S under the Securities Act, nor acting for the benefit or account of a US Person. The securities described in each of the Offering Documents have not been, and will not be, registered under the Securities Act, or with any securities regulatory authority of any state or other jurisdiction in the United States and may not be offered or sold, directly or indirectly, into the United States unless the securities are so registered or an exemption from the registration requirements is available. This does not constitute, and should not be construed as, "general solicitation or general advertising" as defined under Regulation D of the Securities Act, or "directed selling efforts" under Regulation S of the Securities Act.

The Offering Documents have been hosted on this website as prescribed under the SEBI (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended ("SEBI ICDR Regulations"). InCred Capital, one of the Book Running Lead Managers has taken all necessary steps to ensure that the contents of the Offering Document as appearing on this website are identical to the Offering Document filed with SEBI for its comments in accordance with SEBI ICDR Regulations. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither InCred Capital nor any of its Affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. InCred Capital will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website.

Neither InCred Capital, nor any of its Affiliates nor their directors, officers and employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in producing or hosting this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access or use of the website or these materials. Please note that forms downloaded and used for subscription to the Offer in contravention of the above will be rejected with no recourse to InCred Capital or the issuer. Please be advised that to view information on this site, you must accept the conditions of the legal disclaimer.

Please click on the "I ACCEPT" button to read the Offering Documents.

By clicking “I ACCEPT” I hereby confirm that, I am a resident of India and have read the Legal Disclaimer and am entitled to receive information contained in this website.

NOTE: THE ELECTRONIC VERSION OF THE DRAFT PROSPECTUS (“DRAFT PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, INCRED FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS KKR INDIA FINANCIAL SERVICES LIMITED) (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE DRAFT PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEB SITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE DRAFT PROSPECTUS. BY ACCESSING THE DRAFT PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully - It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Draft Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Draft Prospectus to any other person or (2) reproduce such Draft Prospectus in any manner whatsoever. Any distribution or reproduction of the Draft Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Draft Prospectus as appearing on this website are identical to the Draft Prospectus filed with the BSE Limited (“BSE”), National Stock Exchange of India

Limited (“NSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. JM Financial Limited (“Lead Manager”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited). Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited).

Confirmation of understanding and acceptance of the disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

NOTE: THE ELECTRONIC VERSION OF THE DRAFT PROSPECTUS (“DRAFT PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, INCRED FINANCIAL SERVICES LIMITED (FORMERLY KNOWN AS KKR INDIA FINANCIAL SERVICES LIMITED) (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE DRAFT PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEB SITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE DRAFT PROSPECTUS. BY ACCESSING THE DRAFT PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully - It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Draft Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Draft Prospectus to any other person or (2) reproduce such Draft Prospectus in any manner whatsoever. Any distribution or reproduction of the Draft Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Draft Prospectus as appearing on this website are identical to the Draft Prospectus filed with the BSE Limited (“BSE”), National Stock Exchange of India

Limited (“NSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. JM Financial Limited (“Lead Manager”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited). Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in InCred Financial Services Limited (formerly known as KKR India Financial Services Limited).

Confirmation of understanding and acceptance of the disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The information disclosed on this website has been uploaded by InCred Capital Wealth Portfolio Managers Private Limited solely pursuant to the requirements of the SEBI Circular No. CIR/MIRSD/1/2012 dated January 10, CIR/MIRSD/1/2012 dated 2012 (the “Circular”) and for the limited purpose of the Circular, without having regard to specific objectives, suitability, financial situations or the needs of any particular person, and does not constitute any recommendation, and should not be construed as an offer to sell or the solicitation of an offer to buy, purchase or subscribe to any securities mentioned herein. Neither this information, nor anything else contained on this website, shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. Nothing in this information is intended by us to be construed as legal, regulatory, accounting, tax or any other advice. Past performance is not necessarily a guide for future performance.

The information disclosed on this website has been collated from various sources, including, but not limited to, information obtained from the websites of the BSE Limited (www.bseindia.com), the National Stock Exchange of India Limited (www.nseindia.com), websites of the respective issuer companies, annual reports of the respective issuer companies. Such information has not been verified by us and neither us or our affiliates and our directors and employees and the directors and employees of our affiliates accepts or assumes any responsibility for any inaccuracy of the information contained herein or any loss, whether direct or indirect, incidental, special or consequential that may arise from or in connection with the use of this information or otherwise.

We do not undertake to update the information contained herein except as required by applicable law or regulation.

Thank you for your interest, unfortunately legal restrictions prevent us from allowing you access to the offering documents.

The information disclosed on this website has been uploaded by InCred Capital Wealth Portfolio Managers Private Limited solely pursuant to the requirements of the SEBI Circular No. CIR/MIRSD/1/2012 dated January 10, CIR/MIRSD/1/2012 dated 2012 (the “Circular”) and for the limited purpose of the Circular, without having regard to specific objectives, suitability, financial situations or the needs of any particular person, and does not constitute any recommendation, and should not be construed as an offer to sell or the solicitation of an offer to buy, purchase or subscribe to any securities mentioned herein. Neither this information, nor anything else contained on this website, shall form the basis of or be relied upon in connection with any contract or commitment whatsoever. Nothing in this information is intended by us to be construed as legal, regulatory, accounting, tax or any other advice. Past performance is not necessarily a guide for future performance.

The information disclosed on this website has been collated from various sources, including, but not limited to, information obtained from the websites of the BSE Limited (www.bseindia.com), the National Stock Exchange of India Limited (www.nseindia.com), websites of the respective issuer companies, annual reports of the respective issuer companies. Such information has not been verified by us and neither us or our affiliates and our directors and employees and the directors and employees of our affiliates accepts or assumes any responsibility for any inaccuracy of the information contained herein or any loss, whether direct or indirect, incidental, special or consequential that may arise from or in connection with the use of this information or otherwise.

We do not undertake to update the information contained herein except as required by applicable law or regulation.