Arohan Annual Report FY 20-21

A Growth Approach to Financial Inclusion Arohan is a leading Indian NBFC-MFI, and the largest in Eastern India, with operations in financially under-penetrated Low Income States of India. We are a digitally advanced institution, using customer and industry data to provide financial inclusion products, including income generating loans, insurance, and other products to customers at the base of the pyramid, who have limited or no access to formal financial services in India. Arohan is registered with and our business is regulated by the Reserve Bank of India (RBI) as a Non-Banking Financial Company – Microfinance Institution (NBFC-MFI). We commenced microfinance operations in the year 2006 and became part of The Aavishkaar Group, who are are global pioneers in taking an entrepreneurship-based approach towards development, in the year 2012. As of March 31, 2021, we served 2.1 million borrowers in 17 States including 12 Low Income States in India (as defined by CRISIL), through our extensive network of 737 branch offices. Our Promoters, have advised and nurtured businesses with social impact in India and abroad. They have invested in and advised a large number of organisations on inclusive business strategies and also provided significant amounts of venture capital funding to social impact businesses. As of March 31, 2021, the Aavishkaar Group had an AUM of approximately US$1.00 billion across Asia. Arohan has been awarded the “Microfinance Organisation of the Year” award by Access Assist at the Inclusive Finance India Awards 2018. We were also awarded the “Microfinance Institution of the Year” award in 2010 in the “Small and Medium Category” by Access Assist. Company Overview 11