IndusInd Bank Growth and Risk Management

High customer connect Weekly Install. LUC Weekly center/ Meetings/ FUL/ Banking Product Village Survey Projection Meeting BHARAT Financial Inclusion Ltd Prayaas se pragati A 100% subsidiary of IndusInd Bank Limited Disbursement Loan application Peer Group Lending • Exclusive women borrowers Group selects members and underwrites loan Progressive loans - Ticket Size increases with customer vintage CGT Asset & Liability Solutions • Core lending is for income generation activities Loan Utilization Checks done to ensure discipline Liability products (SB, RD,FD) being offered to promote savings GRT DO Repayment & Delivery Framework Small, weekly repayments mimic cash flows - and make it easy to "carry" if needed Product solution offered at the customers door-step 1st Center Meeting Process Orientation Intensive customer financial literacy training conducted periodically Rigorous employee training and process orientation IndusInd Bank

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