Satin Compelling Investment Story

1. Differentiated Product Offerings Product features as on Mar'21 Start Date Ticket Size Range Tenure Frequency of Collection No. of States/UTS No. of Branches AUM (Rs. crore) No. of loan accounts Avg. Ticket Size for Q4FY21 Notes SATIN SCNL Business Correspondent Services Housing Finance SME MFI(1) Taraashna Financial Services Limited (2) Satin Housing Finance Limited (3) Satin Finserv Limited (SFL)(4) May'08 (JLG) Upto Rs. 50,000 May'12 Feb'18 Mar'19 Upto Rs. 50,000 Rs. 100,000 4,000,000 Rs. 100,000 100,000,000 - (JLG Microfinance) 6-24 months Bi-Weekly 12 24 months Bi-Weekly 24 240 months Monthly 12 120 months Monthly/Quarterly 23 7 1,008* 6,964(5) 2,977,764 Rs. 37,000** (JLG) 8 217 14 15 748 226 131 390,809 2,413 1,725 Rs. 34,000 Rs. 1,125,000 Rs. 331,500 (Retail) (6) (1) As on Mar 21, included MFI Lending (loans under JLG model, IndusInd BC and water & sanitation) and Product Financing (Loans for solar lamps, cycles) (2) TFSL acquisition is effective Sep 1, 2016 (3) Satin Housing Finance Ltd was incorporated on April 17, 2017 (4) SFL was incorporated on August 10, 2018 (5) SCNL also has MSME portfolio of Rs. 310 crore other than MFI portfolio (6) Average Ticket Size of Retail Financing is 3.31 lacs. Overall, the average ticket size of SFL is Rs. 7.58 lacs *As of Q4FY21, there were 1,008 branches with Microfinance operations & 27 branches with MSME operations. Out of the 27 MSME branches, 24 of them also had microfinance operations & 3 were unique **Focus on repeat clients with established credit history 18

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