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Investor Presentaiton

IT - Key Enabler for Control / Growth INDOSTAR • . IndoStar Connect - Onboarding Digital loan origination mobile and web application for seamless journey. Enabling sales, credit and operations to improve quantity and quality. Enabling paperless lending. Increased regulatory and audit compliance. IndoStar Connect - Verification & Validation One click verification of proof of address (POA) and proof of identity (POI) via API integration. Quick CIBIL check for Go/No-Go decision. Geo-tagging of field visits Internal customer and asset dedupe. Instant Registration certification (RC) verification from Vahaan. Document upload through mobile application. Instant bank statement analysis and plotting through integration. API integrated repayment track record mapping from CIBIL. Instant Anti money laundering (AML) check for credit decisioning. • • Lending Software End to End services Digital case credit assessment memo (CAM)generation. Automated deviations to credit hierarchy based on data captured from different sources and user inputs. (BRE driven) Enabling RCU workflow for screening, sampling and hunter check. Enabling e-Signing and e-stamping of loan agreements. Enabling e-NACH and e-Mandates for EMI repayment. Verified bank details via penny drop service. Reduced turn around time operations due to API based customer for data verification. Payment Automation A digitized way of collection by way of enhanced monitoring, controlling and issuing receipt Easy access mobile app which can be used on any compatible device Auto allocation of cases based on suitability and on set parameters GEO Tagging of all employees using application Auto tracking of commitment with reminders Permanent trail of cases without any manual intervention Better controls at different levels Transparency in operations and evaluation empaneling UPI & GPay to fast-track collection mechanism 29
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