Arohan Financial Services Limited | Annual Report 2022-23

Organic Business Vertical This is the primary business vertical of Arohan, that offers micro credit services to people from the bottom half of the socio-economic pyramid in a joint liability group model. Customers are offered financial and other services, with ticket sizes ranging from INR 25,000 to INR 75,000 best suited for their socio- economic growth. Inorganic Business Vertical Arohan has been a forerunner in the industry to have a focused Inorganic business model, optimising its non-qualifying space. From offering Term Loan Services of up to INR 25 Cr to partnering for a Sourcing & Collection relationship with smaller microfinance entities, or through Direct Assignment & Securitizations, and even engaging in microfinance through loans specific to the business enterprise segment operating out of specified markets, this vertical allows the Company sustainable market advantage. Digital Lending In FY 2023, in a landmark achievement, Arohan launched Indian Microfinance Industry’s first-in-class Digital Lending platform for MFI Customers, named ArohanPrivilege. Through this channel, Arohan empowers gold-standard MFI customers to apply for and service their loans by themselves through the proprietary apnaArohan app. Customers will receive loan money in their accounts within minutes of a successful loan application – all from the comfort of their homes. This is a significant step towards the realisation of Arohan’s Vision of impacting 20 mn lives by the year 2027. Alliances & Acquisitions Arohan is focused on expanding to geographies across India. While it keeps deepening its footprints in the States that show a high degree of financial exclusion, identified by CRISIL Inclusix 2018 (a composite index measuring financial inclusion), it is also focused on entering other states, especially in the South for alliances to work together through Alliances & Acquisition opportunities, thus strengthening its portfolio, maximizing operational leverage, building new core competencies and scaling its reach. Annual Report 2022-23 | 12 Amplifying opportunities through unique differentiators