Investor Presentaiton

Product Offerings | Assets 1 2 Business Segment Group Loans Agricultural and allied Loans 3 Individual & Micro Business Loans 4 Secured Loans to Businesses Affordable Housing Loans 6 Gold Loans Features Low Income group women Average ticket size ~Rs 39,000 Batch size 3-25 Landless farmers, small & marginal farmers Average ticket size ~Rs 50,000 Batch size 3-20 Business Loan: Entities with a turnover up to INR 50 lakh Average ticket size Rs. 1.7 lakh Daily, Weekly & Monthly Collection cycle Individual loan: Customer upgrade program from group loans. NACH & cash collections Individual Loans up to Rs. 1.25 lakh. Average ticket size Rs 53,000 Business entities with a turnover of Rs. 50 lakh -10 crore Retail, Manufacturing units, Wholesalers, Traders SI, NACH & PDC collections Average ticket size Rs 25 lakhs; LTV - 50% Individuals low income group with PMAY subsidy Average ticket size Rs. 15.6 lakh SI & NACH collections: LTV - 42% Individuals Average ticket size Rs 39,000 75% LTV Bullet & EMI/NACH collections J Jana Small Finance Bank 15

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