Truhome Finance Limited IPO

As at December 31, 2025 and March 31, 2025, 76.96% and 77.08%, respectively, of the company's AUM comprised loans to self-employed customers, which exposes thecompany to higher credit and collection risks.

The Indian housing finance industry is extensively regulated, and any changes in laws, regulations, policy initiatives or tax incentives by the Government, the Reserve Bank of India or the National Housing Bank could have an adverse effect on our business, results of operations, cash flows and financial condition.

The growth of the housing finance industry in India, particularly in the affordable and low-income housing sector in which we operate, may not be sustainable.

Our inability to detect money-laundering and other illegal activities fully and on a timely basis may expose us to additional liability and adversely affect our business and reputation.

We require certain statutory and regulatory approvals for conducting our business, and our inability to obtain, retain or renew them in a timely manner, or at all, may adversely affect our operations.

Our business is subject to seasonality.

All our properties, including our Registered Office and Corporate Office are located on leased premises. Any termination or failure by us to renew the lease agreements in a favourable and timely manner, or at all, could adversely affect our business, cash flows, results of operations, and financial condition.

Our Directors, Key Managerial Personnel and members of Senior Management have interests in our Company other than normal remuneration and benefits.

Our Promoter, Mango Crest Investment Ltd, does not have experience in the business activities undertaken by our Company.

We have outstanding statutory dues and there have been historical delays in the payment of professional tax. Any delays in payment of statutory dues may adversely affect our reputation and financial condition.