Satin Compelling Investment Story

Diversification with allied product offerings TAROOSHNA T CARVING YOUR FUTURE Satin™ Housing Finance Ltd. THE ANSWER IS HOME SFL Satin Finserv Limited SATIN » Taraashna Financial Services Ltd - TFSL Acting as a business correspondent, TFSL provides credit to clients in rural and semi-urban areas on behalf of partner banks and NBFCs >>> The cashless disbursement percentage has reached ~97% of TFSL's total disbursement for Mar'21; 2% collection through cashless mode Satin Housing Finance Ltd (SHFL) >> 100% retail book comprising of: >> Affordable home loans - 79% Satin Finserv Limited (SFL) Incorporated in Aug'18, got license from RBI to start business in Jan'19 Standalone credit rating of CARE BBB- (Stable) Loan against property - 21% >>> Gross Loan Portfolio of Rs 131 crore >> Excellent portfolio quality since inception, Collection Efficiency of 100% during FY21 CRAR for Q4FY21 is 81.4% >>> TFSL has a low-risk business model which is highly capital efficient >>> >>> AUM stood at Rs 748 crore, with presence across 7 states Mainly caters to clients belonging to Middle and Low-Income Groups in peripherals of Tier II and below cities >>> Total networth stands at Rs 106.5 crore Business focus on secured retail MSME lending >>> >>> The Company operates through 217 branches, and has more than 3.9 lacs clients CRAR of 90.2% and gearing of 1.5x. Total equity stands at Rs 95 crore » >>> Total AUM Rs 226 crore including DA of Rs 16 15 Branches across 8 states with 1,725 active loan clients SFL has migrated to in-house software >>> TFSL will now source business for SCNL & SFL under Nai Roshni crore >> Two consecutive profitable quarters despite challenging business environment » Standalone rating of BBB (Stable) from CARE 28

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