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Investor Presentaiton

. . Substantial Opportunity Ahead in Maharashtra Significant AUM and earnings growth led by Gold loan branch build out and franchisee model in Maharashtra. Maharashtra is home to ~7 Mn or 11% of India's MSME businesses. Market share of small and mid size lenders in Gold and MSME loans in Maharashtra is extremely fragmented. We firmly believe there is a significant opportunity for us to gain extremely profitable market share with capital efficiency and superior risk adjusted margins given our expertise in these two segments. DFL is poised for substantial value accretion from Gold, MSME and Franchisee Model in Maharashtra 1) Gold and MSME Potential in Maharashtra 2) Dhanvarsha Financial Inclusion Stores - Distribution with Scale The company has onboarded 200 Financial Inclusion Stores until June 10th Guidance for onboarding 1,500+ Stores by March 2022. MSME Loan Market Share - Maharashtra In INR Bn Gold Loans Market Share - Maharashtra In INR Bn FLA MSME Loan MH 82% March 2022 P 25,308 Customers 60 Branches MSME Loan MH March 2023 P 98,352 Customers 120 Branches Gold Loan MH March 2024 P 2,22,911 Customers 200 Branches 76% Top 5 Players Gold Loan MH March 2025 P 57 4,34,115 Customers Financial Inclusion Stores - Count 284 390 275 Branches 475 99 99 Source: SDG National Indicator Framework - Progress Report 2021; and BDO Research Investor Presentation | www.dfltd.in MAY-21 163 JUN-21 JUL-21 AUG-21 SEP-21 23 23
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