Investor Presentaiton

Scalable Business Model to Drive Profitable Growth Uniquely positioned - PFL Standalone Inherent Strengths... Brand Strength & Strong Management Flagship financing arm of Cyrus Poonawalla Group with shared brand identity Professionally run organization with seasoned leadership team Robust Balance Sheet Healthy CRAR at 44% against regulatory requirement of 15% Digital First and Technology Led Digitalized end to end processes Advanced data analytics being leveraged for all business use cases Retail Franchise Focus on Consumer & MSMEs with diversified product suite & PAN-India retail franchise Granular book | Risk based pricing P Target Market Aligned Distribution & Products Unique sourcing model with mix of Direct Digital Program (DDP) and DSA Digital First Products focused on credit tested customers Efficiently Managed Liability Book Recent rating upgrade to 'AAA/Stable' by CARE Diversified borrowing base ...to capture market opportunities Technology disrupting traditional ways of lending Rapid expansion & consolidation (Partnership / acquisition) in Fintech space Exponential rise in digital lending with focus on customer experience & faster TAT Structural tailwinds Fast growing economy punctuated by high share of consumption spending Favorable demographics: High share of digital savvy young population with rising acceptance of credit Large and fast growing total addressable market Large and growing opportunity for consumer & MSME finance Growing demand for Pre-owned cars + shift towards digital marketplaces 7

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