Arohan Financial Services Limited | Annual Report 2022-23

Va l u e Cr e a t i o n Strong Financials Arohan has concluded one of the largest equity raises in the industry, post pandemic in FY 2023. This will fuel the Company’s growth and expansion plans towards its Vision 2027, creating huge opportunities of employment for the rural youth, as well as enhanced access to credit for the financially under-penetrated segment of the society. Equity: INR 1,338 Cr Debt: INR 4,533.49 Cr Process Innovation Arohan’s investment in technology allows it to streamline its processes and navigate its way into the future. The Company’s industry-leading technological innovations, which enables the Company to provide seamless Customer Experience, have been recognised and rewarded across multiple industry forums. Strengthening Human Capital through targetted development programmes Arohan is aligned to building an inclusive and diverse workplace with a natural gender ratio of 50:50 by the year 2030. The Company trains and develops its workforce to build a cadre of leaders fit for the Company’s growth plans. a. Total Headcount: 8,030 b. Absolute number of training hours: ~ 1,43,792 c. Upskilling platforms: Induction Programme, Pragati, e-Learning Module, Saksham, Arohan Business Leaders’ Programme and Arohan Emerging Leaders’ Programme, Train the Trainer, Weekly Communication Hour, Thank God Its Friday, PCSR Development Programme and Performance Improvement Plan (PIP) Coaching & Mentoring Focused Customer-Centricity, enhanced customer experience Customer Centricity is one of the Core Values of the Company, guiding its processes and innovations towards enhanced customer experience. The Company continues to have a sharp focus on meeting the various credit requirements of its customers, while also protecting their interest. Total Number of Households impacted: 21 Lakh Customer Retention Rate: 78.6% Languages available in Customer App: 5 Focus on ESG-driven value creation Arohan has a well-defined E&S Policy that outlines its commitment to incorporating E&S considerations in its business operations. Through its strong Governance, Corporate Social Responsibility activities, and credit plus services for customers, the Company has worked in areas pertinent to environmental and social development. Nirnay, proprietary credit scoring model, completely paperless sourcing of loans through e-Signature, completely paperless Document Management System, State-of-the-art Customer App, Apna Arohan for enhanced customer delight and experience. Training and Financial Literacy of Customers. First-in-the-industry ArohanPrivilege Digital Lending platform, Aadhaar enabled eKYC Cashless Loan Disbursals, through a state-of-the-art Loan Management System Cashless Collections (various modes of digital payments for customers, including AEPS, Credit/Debit Cards, digital wallets, UPI, BBPS, and cash drop points) Re-engagement with customers and the communities we serve through credit plus services and social initiatives. Opening operations in high opportunity States of the Country through a data- enabled geography screening. Input Business Flow