Q4 & FY22 - Investor Presentation

Update on Collections Update on Collections ☐ Collections in all the segments were healthy and remained above 95% during the quarter • 'Microfinance' collections was healthy and reached 98% during March 2022. • 2W and MSME collections continued to be well-north of 95% during December 2021 □ Cumulative collection Efficiency in the post covid loan book disbursed since September 2020 stands at ~99% Cumulative Provisions stood at INR 653 Mn as of 31st March 2022 covering 5.7% of the total AUM • Namra: Cumulative Provisions stood at INR 472 Mn as on 31st March 2022 covering 5.0% of the total AUM Standalone: Cumulative Provisions stood at INR 181 Mn as on 31st March 2022 covering 8.6% of the total AUM ☐ The company has adequately provided to withstand any further uncertainties pertaining to the pandemic - Collection Efficiency % (January 2022 March 2022) Collections Due Amount Collected Business Segment (Jan'22) (Jan'22) Collection Efficiency % (Jan'22) Collections Due Amount Collected (Feb'22) (Feb'22) Collection Efficiency % (Feb'21) Collections Due Amount Collected (Mar'22) (Mar'22) Collection Efficiency % (Mar'22) Total 748 700 94% 765 725 95% 795 775 98% Microfinance 578 537 93% 597 567 95% 622 611 98% MSME 138 131 95% 138 130 Two-wheeler 32 31 96% 30 29 32 94% 143 135 94% 95% 30 29 96% Note: All the amounts are in INR Mn. 6

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