Satin Compelling Investment Story

Strengthening Business Despite Challenging FY21 Collection Efficiency . Post unlock in Dec'20, collection efficiency improved to 105% in Mar'21(including arrears) Cumulative collection efficiency for FY21 stood at 94% Collection Efficiency in Apr 21 stood at 93% Top four geographies which constitute 54% of the AUM had a collection efficiency of 98% for FY21 Witnessing gradual recovery in collections in other geographies Fund Raise • Bolstered capital position by successfully closing the Rights Issue of Rs. 120 crore in Aug'20 with an overwhelming response. Issue was oversubscribed at 123%. Out of this Rs. 120 crore raised, ~Rs. 90 crore already received by the Company (Rs.45 per share out of Rs. 60). Subsequent amount to be called as deemed fit by the Board • During FY21, the Company raised debt of Rs. 4,312 crore including Direct Assignment Transactions of Rs. 743 crore • Raised USD 5 million from Development Bank of Austria through ECB channel and Rs. 25 crore from a private bank in Q1FY22 Total fund raised YTD is Rs. 62 crore in Q1FY22 Disbursement Disbursement temporarily stopped in May'21 because of lockdown due to second wave of Covid The Company is closely monitoring external factors like overall economic environment The Company has maintained a cautious stance in new disbursement as our main focus is to maintain asset quality For FY21, disbursement stood at Rs. 4,982 crore on consolidated basis. As things improve, we expect disbursement to pick up in the coming quarters SATIN

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