Q4 & FY22 - Investor Presentation

Technological Initiatives to Strengthen Operations In FY19, the company launched an integrated mobile interface for its MFI field staff to enable seamless on-boarding of MFI customers by digitizing & standardizing the loan origination and appraisal process. 'This technology has been successfully implemented across all the MFI branches now.' Rolled-out the 'Jayam' initiative across the company's MFI operations to transform business processes from physical to digital. 'As a part of this initiative, the 'integrated loan origination system (LOS) & loan management system (LMS)' is hosted on the Cloud. This system manages and tracks originations and recoveries on a real-time basis.' In the next phase, the company will be implementing these initiatives for its MSME & 2W operations as well. However, the next phase will a bit delayed due to the Covid disruption ADVANTAGES OF IMPLEMENTING THE 'JAYAM' INITIATIVE & INTEGRATED MOBILE INTERFACE FOR FIELD OPERATIONS AT THE COMPANY LEVEL ✓ Reduce 'turnaround time' ✓ Enhance people productivity and increase controls AT THE FIELD LEVEL ✓ Facilitates real-time credit check of loan applications ✓ Completely 'Paperless' loan applications and loan servicing capabilities (except where paper documents are statutorily required) DRIVING DIGITAL TRANSFORMATION AT THE LEADERSHIP LEVEL ✓ Provide bird's eye view of the business operations at the click of a button on a real-time basis. ✓ Enable superior monitoring and immediate course correction ENABLE SEAMLESS GEORAPHIC EXPANSION ✓ Bind the organization into a cohesive and agile unit as it expands geographic footprint 25 25

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