Arohan Financial Services Limited | Annual Report 2021-22

In an ambitious, first-of-its kind initiative in the industry, Arohan is on its way to open ‘Digital Arohan’. Digital Arohan is about enabling Arohan’s microfinance customers to opt for a loan service effortlessly with the use of a mobile application alone, without any human touch, and get their bank account credited in a matter of just a couple of hours. Arohan already has a robust digital process in place for its employees and its customers, and that forms the foundation of going digital with its lending model. Arohan’s in-house customer application, ApnaArohan, is used by customers to make their repayments, view their relationships with Arohan and also communicate with the Customer Care Team. The ApnaArohan mobile application was launched in FY2021-22 and the Company, going forward, aims to further enhance its digital lending capabilities using tools from the Artificial Intelligence family. 31 Annual Report | 2021-2022 Key Differentiators