Investor Presentaiton

Strong Middle Layer across Core Business Functions Business Origination 100 Credit & Risk 137 Aavas FINANCIERS LTD SAPNE AAPKE, SAATH HAMAARA Collections 54 Strong middle layer 6 National 15 Zonal 79 Regional 7 National 37 Zonal 93 Regional 6 National 10 Zonal 38 Regional management 43% employees with 3+ years with Aavas Strong professional bandwidth Chartered Accountants 193 70% employees with 3+ years with Aavas 78% employees with 3+ years with Aavas Engineers 208 LLBS 116 Track record of retaining key middle layer employees across all the major business functions MBAS 580 Successfully displayed mobility of key employees for incubating new geographies while maintaining core-Aavas principles Total middle management employees 30

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