Arohan Financial Services Limited | Annual Report 2022-23

is moving into the future with, what kept me most excited was our continued focus on building products that are technologically advanced but very intuitive and easy to deploy for our clients. We have successfully in-housedmost of our quality-assisting portals starting from a very intuitive dashboard, the first-in-the- industry credit scoring model ‘Nirnay’, our Enterprise Risk Management portal ‘Sandesh’, the ‘Samadhaan’ portal that helps resolve all employee operational issues and our in-house Fraud Management system. I was personally pleased with the announcement of the ArohanPrivilege Digital Lending platform, an industry- first, that assists us to serve our best customers in a non-intrusive way. The technology allows us to carry out all verifications remotely and the loan is paid in the bank account while the repayment is received directly through digital means. Exceptional leadership and imagination demonstrated by our Chief Information Officer, Arvind Murarka and no words of praise are enough for delivering on this complex and challenging vision. As we look forward to a future filled with opportunities, I would like to extend our warmest wishes to all our shareholders and lenders without whose support we would have not been around. Our confidence in the resilience and adaptability of our customers is unfailing, and the reality of their successes despite their ‘bottom of the pyramid’ profile only strengthens our resolve. Before I end, I want to reserve the biggest praise for our borrowers, the millions of these frail yet very strong women from rural and semi- urban India whose commitment to delivering the loan EMIs back to us has made the microfinance revolution possible in India. WithWarm Regards, Vineet Rai Founder and Chairman Aavishkaar Group Promoter’s Address Annual Report 2022-23 | 4