Investor Presentaiton

Continuing Traditional Credit Practices by Leveraging Technology Aavas FINANCIERS LTD SAPNE AAPKE, SAATH HAMAARA 600+ Strong credit team 80% of Senior Credit team is home-grown 150+ Qualified CAS 5Y+ Senior credit team's vintage Customised credit assessment with templates 888 100% of SENP customers are met by the credit manager at the business place Credit DNA Minimum 30 customer visits per month by senior credit team Weekly training in all branches by credit team and on-field training of new joinees Leading by Example Way Forward ☑ To continue with our core "Touch & Feel" Product-ization of questionnaires covering all data points, coupled with on-ground feedback Leveraging technology for validation and accurate decisioning Analytic scores basis empirical evidence 25

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