Investor Presentaiton

2. Technology Driven Operational Efficiency Enabling Improved Disbursements & Collections 88% 89% 88% 89% 83% 81% 104% 95% 96% 95% 96% 108% Capital Trust 98% 113% 62% 53% 54% 53% 57% 2% Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jun-21 Jul-21 Aug-21 Sep-21 CDL Collection Efficiency* Companywide Collection Efficiency Oct-21 Nov-21 Dec-21 Digital Collection as % Age of Collection** With our newly developed automated disbursement engine and algorithmic credit scorecard, our disbursements have increased consistently. Further, our average turnaround time has improved to less than 48 hours as on Q3 FY2022 * Loans disbursed post FY20 (automated credit engine backed) ** Collection % when bank clearance data is received (NACH clearance + Advance collection) 16

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