Investor Presentaiton

Company Overview Diversified Product Portfolio SPECAILISED IN RETAIL LENDING SINCE 20 YEARS Micro-Enterprise loans (MEL) SME loans ส 2-Wheeler loans Commercial Vehicle loans AUM with immaculate Quality AUM: INR 34,740 Mn (YoY Growth of 25.58%) Gross NPA: 1.20% CELLENCE THROUGH E MAS FINANCIAL SERVICES LTD. The Power of Distribution Strong Retail Presence & Wide Distribution Network 6 states and Sourcing Intermediaries 5,00,000+ NCT of Delhi Active loan accounts 316 328 3,263 Customer locations 105 NBFCs 74 branches CONSISTENT GROWTH Consistent Profitability & Returns Revenue: INR 1,061 Mn 22.52% Hv Return on Avg. Net Worth* E PAT: INR 251 Mn Net NPA: 0.96% EFFICIENT LIABILITY MANAGEMENT Capitalization TOTAL CRAR: 23.81% TIER I CRAR : 21.30% TIER II CRAR: 2.51% BANK Hv 4.29% Return on Avg. Total Assets* 2.97% Return on Avg. AUM* 37.42% of AUM Assigned to Banks/Fls Fund Raising 8.95% Cost of borrowings* NCDs Term loans Commercial Paper * All the above figures are for Q2 FY18 Figures have been annualized. ☐ Cash credit SLIDE: 4

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