Arohan Financial Services Limited | Annual Report 2021-22

Index Chairman’s Address Promoter’s Address Managing Director’s Address Corporate Information Key Differentiators • Digitally Advanced Leading NBFC-MFI with strong ESG Focus • Mission, Vision and Core Values • Financial Highlights • Geographic Presence - Low income state penetration • Digital Presence • Product Offerings • Board of Director’s Profile • Management Profile • Investor Profile Management Discussion & Analysis • Aakash • Bhoomi • Vayu • Fire • Jal Board of Directors’ Report Annexures to Director’s Report Auditor’s Report Financials 9 Annual Report | 2021-2022 10-11 12-13 14-17 18-19 20-43 20-23 24-25 26-28 29 30 -31 32-33 34-36 37-41 42-43 44-93 44-51 52-61 62-71 72-79 80-93 94-104 105-130 131-145 146-228