Arohan Financial Services Limited | Annual Report 2021-22

Bhoomi Bhoomi (Earth) is representative of the very foundation of our Being, that gives form and strength to the body, allowing it to grow. The business and operational structure of Arohan provide robustness to its processes, ensuring efficient output. This is supported adequately by a well-diversified business model including Organic, Cross Sell and Inorganic business lines, allowing greater management and cost efficiencies to the Company. Additionally, the Company’s Customer Insight vertical continues to provide a strong foundation for customer connect, focused on enhanced customer experiences for the future. Arohan has been a frontrunner in the adoption of a diversified growth strategy driven through various financial services and innovative business modules spanning organic, inorganic, as well as credit plus channels. This has allowed the Company to reach out to and serve customers across the base of the socio-economic pyramid in India. As onMarch 31, 2022, Arohan’s served a total of ~19 Lakh customers with total Assets Under Management standing at INR 4,122 Cr, manned by 7,160 employees across 14 states. Arohan, despite external challenges in the past two years, has built for itself agile and proactive processes to mitigate the impact of the volatile externalities, leveraging opportunities for growth to scale the Company’s outreach to its customers and their families. 53 Annual Report | 2021-2022 Management Discussion & Analysis