Investor Presentaiton

APR-16 JUL-16 0.03 0.3 OCT-16 JAN-17 APR-17 JUL-17 OCT-17 JAN-18 APR-18 JUL-18 OCT-18 JAN-19 APR-19 JUL-19 2.6 Cr customers have become credit aware Customer Portfolio (Cr) 0.8 OCT-19 JAN-20 APR-20 JUL-20 OCT-20 We are driving credit score awareness in the country Deep analytics driving product innovation & monetization ~8.7x in 4 years JAN-21 APR-21 JUL-21 OCT-21 1.7 JAN-22 2.1 2.6 Credit segmentation Driving deep Segmentation to innovate, fill need gap Strong repeat customer behaviour: 71% of the disbursals from existing customers *Internal Management analysis done for the period-Jan-19 to Nov-21. 100 is taken as the portfolio average revenue per customer. Indexed revenue is the average revenue for each segment indexed to the port folio average. 26 Engagement segmentation Never Revisited Sleepers At-risk Core Active Engaged New to credit 10 30 Sub- prime 100 (indexed rev per customer*) 20 20 90 20 Near- 160 prime Prime 340 Super- prime 60 80 220 460

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