Q4 & FY22 - Investor Presentation

Product Overview: Microfinance FY22 - Key Metrics (Mn) ☐ JLG model with small ticket loans (Avg. Ticket Size INR 10,220 35,000) given to women borrowers for income generating activities such as Livestock, Dairy, Agri allied, Kirana Stores AUM (INR Mn) 8,401 Disbursement (INR Mn) Operations in 8 states; 236 MFI branches; 4.01 lakh live customers Product Overview 1,730 49 36,500 Arman MFI operating model - Total Income (INR Mn) PAT (INR Mn) Avg. Ticket Size (INR) ☐ High touch monthly collection model ☐ Rural concentration: ~85% rural & semi-urban portfolio (vs 43% for MFI industry) FY22 - Key Metrics (%) ■ Conservative risk framework 22.2% 12.9% 2.6% 100% Cashless disbursement Yield NIM ROAA ☐ JLG groups formed by customers themselves Loan utilization checks to ensure loan for income generating purpose 3.7% 4.1% 13.1% ■ Controlled growth targets driven by bottom-up projections GNPA NNPA ROE 30 30

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