Q4 & FY22 - Investor Presentation

Efficient Liability Management Funding profile is well diversified with increase in share of funds from NCDs & DFIs Q4 FY21 - Borrowing Mix % INR 7,665 Mn * Q4 FY22 - Borrowing Mix % ■ Banks & SFBS INR 10,858 Mn * 20% 21% 27% 6% 7% 13% 24% Note: * INR 7,665 Mn includes direct assignment of INR 581 Mn Positive ALM (in Months) 22 23 18 19 19 19 16 16 Q4 FY21 Q1 FY22 Average Tenor of Active Assets (months) Q2 FY22 Q3 FY22 ■ DFIs (NABARD, MUDRA & SIDBI) ■ NBFC / FI ■ Securitization 8.4% 26.0% 18.1% 3.8% 8.0% ■ЕСВ 13.8% ■ NCD 21.8% ■ DA Note: # INR 10,858 Mn includes direct assignment of INR 917 Mn 22 22 Well-diversified borrowing mix with increasing share of NCD's, ECB's, DFIs (NABARD Refinance, MUDRA) and Securitization Share of NCD's, ECB's, DFIs, and Securitization represented -44% of borrowings in Q4 FY22 Comfortable liquidity position with a potential to increase leverage. 18 • Q4 FY22 Average Maturity of Active Borrowings (months) • 18

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