Q4 & FY22 - Investor Presentation

Product Overview: 2W & Rural 2W Loans Product Overview ☐ Hypothecation (secured) loans given to self-employed / cash- salaried customer in the informal segment in semi-urban / rural areas for a 2W ■ Currently operates only in Gujarat; across 55+ dealerships ☐ ■ Piloting new Rural 2W product: Operating in Tier 3-4 & below locations for higher yields; higher ROA business; key growth driver going forward Growth levers - ☐ Increase in finance penetration Geographical & new product expansion Arman 2W & Rural 2W operating model - 461 AUM (INR Mn) FY22 - Key Metrics (Mn) 428 Disbursement (INR Mn) 133 68,000 Total Income (INR Mn) Avg. Ticket Size (INR) FY22 - Key Metrics (%) 28.9% 19.0% Yield NIM ☐ Focus on quick turn around time ◉ Excellent relationships with dealers and OEMS 6.9% ☐ In-house feet-on-street model for rigorous collections GNPA 2.05% NNPA 31

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