Arohan Annual Report 2023-2024

ESG Focus INPUT OUTPUT BUSINESS FLOW Strong Financials Arohan is well capitalised to fuel the Company’s growth and expansion plans, towards is Vision of impacting 28 million lives by 2028. This ensures the promise of 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 1,915 Cr Debt: INR 6,016 Cr Revolutionizing Processes: By investing in cutting-edge technology, Arohan redefines efficiency and elevates customer experiences. Our relentless pursuit of technological advancement positions us as pioneers in the industry, recognised across prestigious industry platforms. Thriving on a wealth of human capital and industry expertise With a stellar Board and formidable management, we maintain resilient operational processes, foster livelihoods at the grassroots, and continuously innovate. Committed to inclusivity, we strive for a workplace where diversity flourishes, aiming for a natural gender ratio of 50:50 by 2030. Total Headcount: 9,333 Upskilling Platforms: Hi Potential Programme, Leadership Development Programme, Pragati, Learning Management System, Saksham a. Revenue: INR 1,635 Cr b. PAT: INR 314 Cr c. AUM: INR 7,112 Cr a. Branch: 975 b. Customers: 24+ Lakh c. ISO/IEC 27001: 2013 certification by BSI for Arohan’s Information Security and Management Systems d. Digitalised, in-house processes: Audit Management System, Fraud Management System, Industry first Digital lending, Spotways Route tracker for the Debt Receivable Department, Field employee incentive calculator, realtime field monitoring platfiorm called Sanjaya a. Great Place to Work Certified, among the Top 25 in BFSI, India and the Best in Microfinance Industry b. Percentage of field employees: 93% c. Percentage of women in leadership: 21% d. On-premise, digitalised field recruitment system: SWAGATAM First-in-the-industry ArohanPrivilege Digital Lending platform, Aadhaar enabled eKYC Nirnay, proprietary credit scoring model, completely paperless sourcing of loans through e-Signature, completely paperless Document Management System, Stateof-the-art Customer App, Apna Arohan for enhanced customer delight and experience. Training and Financial Literacy of Customers. 17 | Annual Report 2023-24

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