Investor Presentaiton

High RISK Low Chola Enter a better life Vehicle Finance-Business Model & Positioning CV Industry Low Low Chola Position PV murugappa Industry Chola Position Low Principal Operator > 50 Vehicles Large Operators 26- 50 vehicles HCV Medium Operators 10-25-HCV & LCV vehicles SRTOS-HCV & LCV First Time Users & Small Ticket Operators, older vehicles HCV, LCV & SCV HCV : Heavy commercial vehicle, LCV: Light commercial vehicle, SCV Small commercial vehicle, SRTO: Small Road Transport Operators ~65% of disbursements are to micro & small enterprises and agri -based customer segment Chola positioning- Middle of the pyramid through New CVs, Used CVs High Top of the Bottom of the pyramid through SCV & older CVs Shubh -Returns BETTER Salaried BETT High Self Employed with Financials Taxi and Tour Operator Agri, Asset & Commercial, Used PV: Passenger Vehicle, MUV :Multi Utility Vehicle • • 66% of disbursements are to Chola Existing, Agri & Commercial usage customers ~ 34% disbursements are to Self Employed with financials Chola positioning- Middle of the pyramid is into Agri, Asset & Commercial High 38 Returns

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