Arohan Financial Services Limited | Annual Report 2021-22

Product Offerings Arohan offers a broad range of products to customers, broadly classified as credit and non-credit products. Arohan’s credit products include income generating loans and other loan products for various household purposes. Non-credit products provided to customers include life and health insurance covers, including additional cover for COVID-19, issued and underwritten by leading Indian insurance companies with whom the Company has entered into partnerships, along with facilitation for various lifestyle improvement products likemobilephones, refrigerators, pressure cooker, television, mixer grinder, induction cooktop etc. Arohan also offers term loans to small Micro-Finance Institutions for onward lending to customers at the base of the pyramid. Arohan is one of the very few microfinance organizations to provide loans of amounts ranging from INR 10,000 to INR 25 Cr, including Term Loans to small MFIs operating in remote parts of various Low Income States or financially underpenetrated states in India. This allows the Company to cater to the credit needs of a wide range of customers, across the bottom half of the socio-economic pyramid, while also adding innovative products to its suite, creating sustainable market advantage. Core products 32 Annual Report | 2021-2022 Name Customer Profile Loan Size Loan Tenure Saral Catering to women residing in low income areas, generally involved in trade & services for income generation purposes. INR 10,000 - 50,000 12 - 24 months Bazaar Loans to address the working capital needs of small businesses operating out of authorised market places or clusters of shops organised under a traders’ association. Includes predominantly male customers. INR 15,000 - 50,000 12 - 24 months