Investor Presentaiton

Diversified product offerings presenting significant growth opportunities CELLENCE THROUGH E MAS FINANCIAL SERVICES LTD. The Power of Distribution MAS focuses on serving the underserved credit needs of mid and low income group segments ■ ■ " Micro-Enterprise Loans Loans of up to INR 300,000 to Micro-Enterprises who primarily include retailers, traders, small manufacturers and service providers Tenure up to 36 months; Average ticket size in H1 FY18 - - INR 48,034 AUM as of September 30, 2017 - INR 20,929 Mn " ◉ SME Loans Loans of up to INR 50 mn to SMEs who primarily include manufacturers, distributors, dealers and service providers engaged in various industries SME loans include working capital loans, loans for machinery and loans to purchase Industrial Sheds. Tenure up to 60 months; Average ticket size in H1 FY18 - INR 9.59 Mn AUM as of September 30, 2017 - INR 9,050 Mn ـمــة Two Wheeler Loans ■ Two-wheeler loans to our customers, who primarily include farmers, self-employed and salaried individuals and professionals Tenure up to 36 months; Average ticket size in H1 FY18 INR 45,880 AUM as of September 30, 2017 - INR 3,454 Mn ■ Commercial Vehicle (CV) Loans Loans of up to INR 700,000 for the purchase of new and used CVs to small road transporters, used cars to small traders and manufactures and tractors to the persons engaged in Agricultural activities Tenure up to 60 months; Average ticket size in H1 FY18- INR 187,338 - AUM as of September 30, 2017 - INR 1,308 Mn SLIDE: 7

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