Investor Presentaiton

Neo-lending Building a strong product suite to cover segment gaps Brand Building Increased brand salience 100% Ownership E2E ownership = Superlative experience Annuity Rev stream Leading to higher NPV across lifetime 3 Products live - across credit segments Improved insight Creates a virtuous cycle of intelligence Consumer Acquisition - Gaining Traction paisabazaar Step UP Smart Banking by SBM bank SELECT RuPay CREDIT StepUp Secured Credit card ➤ NTC and Sub-prime segment Credit Card backed by a FD Paisa on Demand Prime Segment Step Up Card launch paisaon demand DRBL BANK ➤ Credit Card cum Line Product Credit Line launch Credit Line 4X 5243 7301 2345 6789 ➤ Super Prime Segment VALID THRU 01/21 Personal Loan, pay-as-you-use ANSHUL SHARMA Paisa on Demand launch 15X 12X 9X 19X Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Focus to increase share of Neo-lending products 27

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