Arohan Financial Services Limited | Annual Report 2021-22

Chairman’s Address	12
Promoter’s Address	14
Managing Director’s Address	16
Corporate Information	20
Key Differentiators	22
Digitally Advanced Leading NBFC-MFI with strong ESG Focus	22
Mission, Vision and Core Values	26
Financial Highlights	28
Geographic Presence - Low income state penetration	31
Digital Presence	32
Product Offerings	34
Board of Director’s Profile	36
Management Profile	39
Investor Profile	44
Management Discussion & Analysis	46
Aakash	47
Bhoomi	54
Vayu	65
Fire	75
Jal	83
Board of Directors’ Report	96
Annexures to Director’s Report	107
Auditor’s Report	133
Financials	148

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