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Investor Presentaiton

Diversification with allied product offerings TAROOSHNA T CARVING YOUR FUTURE Satin™ Housing Finance Ltd. THE ANSWER IS HOME SFL Satin Finserv Limited SATIN >>> >>> Taraashna Financial Services Ltd - TFSL Acting as a business correspondent, TFSL provides credit to clients in rural and semi- urban areas on behalf of partner banks and NBFCs The cashless disbursement percentage has reached 99% of TFSL's total disbursement for Jun'21; 7% collection through cashless mode Satin Housing Finance Ltd (SHFL) >> 100% retail book comprising of: » >> Affordable home loans - 79% Satin Finserv Limited (SFL) Incorporated in Aug'18, got license from RBI to start business in Jan'19 Standalone credit rating of CARE BBB- (Stable) Loan against property - 21% >>> Gross Loan Portfolio of Rs 125 crore >> Excellent portfolio quality since inception, Collection Efficiency of ~95% during Q1FY22 CRAR for Q1FY22 is 85.6% >>> >>> TFSL has a low-risk business model which is highly capital efficient Mainly caters to clients belonging to Middle and Low-Income Groups in peripherals of Tier II and below cities >>> Total equity stands at Rs 106.5 crore Business focus on secured retail MSME lending >>> AUM stood at Rs 671 crore, with presence across 7 states >>> CRAR of 95.8% and gearing of 1.3x. Total equity stands at Rs 93.7 crore » >>> The Company operates through 213 branches, and has more than 3.7 lacs clients >>> Total AUM Rs 224 crore including DA of Rs 20 15 Branches across 8 states with 1,747 active loan clients SFL has migrated to in-house software crore >>> TFSL now sources business for SCNL & SFL under Nai Roshni >> Three consecutive profitable quarters despite challenging business environment >>> Standalone rating of CARE BBB (Stable) 29
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