Q4 & FY22 - Investor Presentation

Diversified portfolio of 12,332 Mn in Q4 FY22 split between - • Microfinance: INR 10,220 Mn (82.9%), Strong Growth in AUM & Disbursements..... Total AUM (INR Mn) 12,332 13% A • MSME Loans: INR 1,651 Mn (13.4%) 4% 8,599 • 8,144 17% 6,847 15% 16% 6% 14% 4,532 15% 83% 10% 20% 1,761 2,038 70% 79% 71% • 32% 36% 70% 68% 61% 2-Wheeler Loans: INR 461 Mn (3.7%) Strategically forayed into MSME Loans in 2017. Successfully scaled up the business to INR 1,651 Mn (13.4% of Total AUM) in the last 5 years Further, we recently launched a new product "Rural 2-wheeler loans" (currently in pilot stage) to effectively meet the under-served market. Higher ROA business offering immense growth potential Plan to reduce share of MFI book in overall AUM to -60% over time FY16 FY17 FY18 FY19 FY20 FY21 FY22 ■MFI 2-Wheeler ■MSME Total Disbursements (INR Mn) 10,233 14% 4% 8,736 7,836 16% 12% 10% 5,450 13% 5,097 10% 13% 17% 82% 5% 2,711 2,473 75% 75% 82% 23% 33% 73% 77% 64% FY16 FY17 FY18 FY19 FY20 FY21 FY22 ■MFI 2-Wheeler MSME Note: FY22, FY21, FY20 & FY19 figures are as per IND-AS, all the figures prior to FY19 are as per I-GAAP. Asset Strategy at Arman Small ticket, granular loans - Ticket size INR 20,000 - 1,50,000 Self-employed / cash-income informal segment customers High-yield rural focused products - 20%+ yields Stringent underwriting Rigorous collections practices - in-house, feet-on-street model Aim to deliver 3-5% post-tax ROA 26 26

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