Investor Presentaiton

Challenges 1 2 Challenges in Lending to MSMEs Difficult to understand businesses / cash flows Fragmented set of customers High cost of customer acquisition Investor Presentation | www.dfltd.in 1 3 High dependence on the ecosystem Challenges in Access to Credit for MSME Customers 2 3 Products and Lack of data and information asymmetry Time-consuming process and high TAT of 2-4 weeks Credit assessment process not tailored to MSME businesses Rigid collateral requirements services gap for MSME customers as they are a small needle in the haystack 4 5 100 · 3

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