Q4 & FY22 - Investor Presentation

Q4 FY22 - Financial Performance Highlights Total AUM up by 51% YoY to INR 12,332 Mn in Q4FY22 vs INR 8,144 Mn in Q4 FY21 We have added more than 80,000 new customers in Q4 FY22. Active Customer base of more than 4.6 lakh. Shareholders Equity Stood at INR 2,127 Mn in Q4 FY22 Consolidated Debt-Equity Ratio stood at 4.65x on 31st March 2022 Collection Efficiency was steady and healthy with each month being north of 95% Operating expenses increased by 29% YoY to INR 183 Mn in Q4 FY22 as a result of expansion in MFI & MSME branches and recruitment of staff for the branch expansions. Further the increase is also due to the growth in the loan portfolio. Disbursements grew by 23% YoY to INR 3,375 Mn in Q4 FY22 Profit before Tax stood at INR 221 Mn compared to loss of INR 2 Mn in Q4 FY21 Profit after tax increased sharply to INR 163 Mn compared to INR 9 Mn in Q4 FY21 Provisions and write-offs (Impairment Losses on Financial Assets) during the quarter was INR 10.8 Crores Cumulative Provisions stood at INR 653 Mn as on 31st March 2022 (covering 5.7% of the total AUM) AUM Crosses INR 12,000 Mn growing at a CAGR of more than 30% in last 7 years 5

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