Arohan Financial Services Limited | Annual Report 2021-22

Input Strong Financials Arohan stands tall, backed by strong financials, despite the two years of disruption that the industry suffered due to the global pandemic. This enables the Company to operate through a well-diversified business model, ensuring sustainable growth for the future. Equity: INR 1,02,348.09 Lakhs Debt: INR 4,12,726.14 Lakhs Process Innovation Arohan’s investment in technology and human capital allows it to align its processes to one of the Key Values of the Company Innovation. The Company’s industry-leading innovations, which enables the Company to provide seamless Customer Experience, have been recognized and rewarded across multiple industry forums. Strengthening Human Capital Arohan’sstellarBoard,strongmanagementandarichresource of human capital allows the Company to manintain robust operational processes, generate livelihood at the grass-root levels and stay ahead of the learning curve. The Company is also aligned to build an inclusive and diverse workplace with a natural gender ratio of 50:50 by the year 2030. Total Headcount: 7160 Percentage of field employees, most of whom start their career with Arohan: ~80% Strong Customer-Centricity Arohan’s investment in building credit and credit plus relationships with its customers, while also aligning to regulatory guidelines have enabled the Company to establish strong customer-centricity. The Company offers a suite of products and services to not just its customers, but also their entire family enabling themwith the power of choice and the know-how to make informed decisions. Total Number of Households impacted: 45. 2 Lakhs Customer Retention Rate: ~81% Languages available in Customer App: 5 Value Creation beyond Credit Arohan, through its social and credit plus initiatives for its customers and communities, focuses on creating a triple bottom-line effect impacting people, planet and profit. Business Flow Opening operations in financially unpenetrated, Low Income States of the Country through a data-enabled geography screening. Sourcing of Loans in a paperless manner through a mobility platform and Apna Bazaar, in- house cross-sell sourcing app. Training and Financial Literacy of Customers E-Signing of Document, followed by Quality Check at the Central HUB. Cashless Loan Disbursals, through a state-of-the-art Loan Management System Cashless Collections Re-engagement with customers and the communities we serve through social initiatives and follow-up loans