Investor Presentaiton

9 Robust Underwriting, Monitoring and Collections Process . 100% In-House Sourcing Leveraging Technology Stringent Credit Underwriting Robust Collection Management System • Lead Generation through Cust app, Ref app • Social media Digital Onboarding and KYC Cash flow assessment Pre & Post Disbursement 15-24 months Monitoring early default signs 231 Branches 0% Sourcing from DSA/Builders Credit verification app, property app and legal app- Optimal leverage of technology leading to efficient processing Q4 FY 23 Investor Presentation Centralized Underwriting 90 DPD Legal action / SARFAESI APTUS™

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