Investor Presentaiton

SMFG India Credit Pragati Ki Nayi Pehchaan SMFG Loans Jeene Ka Naya Andaaz Digital Business Partnerships and digital ecosystem driven model Direct to customer Online acquisition (PL) through website & mobile app Leveraging customer franchise through X-sell Portfolio management supported by our physical network E-aggregators Tapping the digital presence of our existing and new age channels Pre-Qualified, filtered, analytically enabled, automated underwriting & disbursal B2C / B2B2C Catering to financial needs of end consumer Partnership model, usage of traditional as well as alternate data and assessment tools Wide product suite - term loans, line of credit B2B/B2B2B Catering to financial needs of MSMEs Partnership model, usage of traditional as well as alternate data and assessment tools Wide product suite - term loans, line of credit Ed-tech Focused approach on blooming ed-tech financing Partnership model K12 to professional courses covered Lean-pod operations (centralized) Minimal team structure Seamless, 24X7, "Do it yourself" journey for greater customer experience Faster onboarding, Instant payouts for lead generators Customized product offerings across value chain of consumer Customized products to meet business and working capital needs Complete digital stack • Plug and Play model with integrated Business rule engines B2B - Business to Business, B2B2C- Business to Business to Consumer, B2B2B- Business to Business to Business No guarantors 19

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