Q4 & FY22 - Investor Presentation

Key Strengths Genesis Arman Financial Services ("Arman") is a diversified NBFC focusing on large under-served rural & semi-urban retail markets Founded in 1992 by Mr. Jayendra Patel in Ahmedabad. Listed on BSE in 1995 and on NSE in 2016 Strong Management Team led by Mr. Jayendra Patel having a combined experience of 100+ years in the Lending Business Presence in Attractive Retail Lending Segments Total Loan Assets of INR 12,332 Mn in Q4 FY22 Robust Risk Management Framework Consistent rating upgrades backed by strong financial & operating performance - Currently rated BBB+ by CARE Ratings and ACUITE A- with stable outlook Track record of consistent profitability - Never reported an annual loss Completely in-house operations with bottoms up driven credit appraisal models and rigorous collections practices – tailored for the areas of operations Microfinance ― 82.9% of AUM (via 100% owned subsidiary "Namra Finance") " MSME Loans - 13.4% of AUM Arman Financial Services Ltd. " Strong Financial Performance High-Growth Trajectory (FY2016-22 CAGR) : " AUM: 38% Net Income: 34% Consolidated debt to equity ratio of 4.65:1 - Sufficient Capital to drive growth going forward 2-Wheeler Loans - 3.7% of AUM Strong Retail Presence & Wide Distribution Network " 292 branches; 55+ Two-Wheeler dealerships 107 Districts, 8 states ~4.65 lakh live customers Undertaken contiguous expansion from Gujarat since 2014 to achieve geographic diversifications Note: " - High Return Ratios ROE: 15.6%%; ROAA: 3.1% fast recovering from the COVID impact - Efficient Liability Management Comfortable Liquidity Position: Positive ALM Avg. lending tenor at origination: ~24 months; Avg. tenor of debt at origination: ~36 months Diversified Borrowing Profile with Relationship across 30+ Banks & other Financial Institutions Yields Gross Interest Income / Avg. AUM (On + Off-Book); NIM = NTI / Avg. AUM (On + Off-Book); RoE = PAT/Avg. Equity; GNPA % = GNPA / AUM (On + Off-Book); NNPA % = NNPA/AUM (On + Off-Book). Yields, NIM, ROAA and ROE figures are annualized. 21

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