Investor Presentaiton

2. Technology Driven Operational Efficiency Enabling Improved Disbursements & Collections 73% 79% 75% 91% 90% 91% 91% 88% 88% 81% 65% Capital Trust 100% 100% 100% 100% 100% 100% 100% 96% 95% 96% 94% 54% 50% 53% 60% 57% 46% 48% 54% 45% 35% Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 Companywide Collection Efficiency Sep-20 Oct-20 Nov-20 Dec-20 Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21 New CDL Collection Efficiency* --Digital Collection as % Age of Collection** With our newly developed automated disbursement engine and algorithmic credit scorecard, our disbursements have increased consistently. Further, our turnaround time has improved to 48 hours as on Q1 FY21. *Capital Digital Loans disbursed post April 2020 (automated credit engine backed) ** Collection % when bank clearance data is received (NACH clearance + Advance collection) 15

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