Business Trends and Strategic Changes

1. Differentiated Product Offerings Product features as on Mar 23 Start Date Ticket Size Range Tenure Frequency of Collection No. of States/UTS No. of Branches AUM (Rs. crore) No. of loan accounts Avg. Ticket Size for Q4FY23 Notes SCNL Satin Housing Finance (2) Limited Satin Finserv Limited (3) MFI(1) May'08 (JLG) Housing Finance Business Correspondent MSME Services Feb'18 May'12 Mar'19 Upto Rs. 50,000 Upto Rs. 75,000 Rs. 100,000 4,000,000 Rs. 100,000 100,000,000 - (JLG Microfinance) 6 - 30 months 24-240 months 12-24 months 12-120 months Bi-Weekly Monthly Bi-Weekly Monthly/Quarterly 24 1,075* 7,536(4) 26,88,014 Rs. 42,000 (JLG) 4 10 30 157 22 505 456 226 5,448 2,59,015 10,008 Rs. 10,86,000 Rs. 39,800 Rs. 1,64,000 (Retail) (1) Includes MFI Lending (loans under JLG model, IndusInd BC and water & sanitation) and Product Financing (Loans for solar lamps, cycles) (2) Satin Housing Finance Ltd was incorporated on Apr 17, 2017 (3) SFL was incorporated on Aug 10, 2018 and TFSL acquisition was effective Sep 1, 2016. W.e.f. Mar 1, 2023 TFSL has merged into SFL. (4) SCNL also has MSME portfolio of Rs. 392 crore other than MFI portfolio *There were 1,075 branches with Microfinance operations & 18 branches with MSME operations. Out of the 18 MSME branches, 15 of them also had microfinance operations & 3 were unique CSATE SATIN 24

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