Q3 FY 23 Investor Presentation

Key Growth Strategies 26 ך Continued Focus on Existing Segment • Ticket Size in INR 0.5 - 1.5mn range Large headroom in new to credit, retail segment Maintain different templates of customer profiles to increase business while managing risks Deeper Penetration in Existing Markets Continued focus on productivity • Contiguous expansion and increasing penetration Branch expansion in new markets - Odisha, Maharashtra, and Chhattisgarh • Focus on Opex including cost of funds • Continue to improve credit ratings Q3 FY 23 Investor Presentation APTUS™

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