Investor Presentaiton

Collections supported by Technology, Data & Analytics Technology & Analytics powering collection capabilities 66. 66 Bounce Prediction Geo-allocation Aavas FINANCIERS LTD SAPNE AAPKE, SAATH HAMAARA NPA Prediction Modelling 66. 66. Real Time Field Force Tracking Focus on technology with continuous process improvements delivering sustained gains All digital channels opened for collections, leading to >95% collections digitally Steady rise in productivity resulting in a lean, efficient collections team U.U Aavas FINANCIERS LTD SAPNE AAPKE, SAATH HAMAARA .NPA Steady improvement in asset quality to a 1+ DPD of 3.3% NIL outstanding collection related complaints with Regulator 27 22

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