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Investor Presentaiton

Robust Underwriting, Monitoring and Collections Process APTUS R 13 . 100% In-House Sourcing Leveraging Technology Stringent Credit Underwriting Robust Collection Management System • Lead Generation through Cust app,Ref app • Social media Digital Onboarding and KYC Cash flow assessment Pre & Post Disbursement 15-24 months Monitoring early default signs 262 Branches 0% Sourcing from DSA / Builders Credit verification app, property app and legal app - Optimal leverage of technology leading to efficient processing Centralized Underwriting 90 DPD Legal action / SARFAESI

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