Arohan Financial Services Limited | Annual Report 2021-22

Are we creating lasting value propositions for our key stakeholders with scalability? Are we efficient and optimized in the way we operate in the best interests of our customers? Are we continuously unlocking innovation and making our business future-ready? These are the questions that have led Arohan to be agile and adopt processes and operational transitions to be future-ready. Over the last two years, humanity across the globe has experienced unprecedented challenges. Closer home, the industry of financial inclusion, too, has undergone a paradigm shift in how it envisions the future of microfinance. As a part of the Aavishkaar Group, Arohan is guided by the very elements of its being as it continues to evolve through time, assessing the shifts in customer experience goalposts and proactively catering to their needs of the future. The Company has used this opportunity to unlock potentialities for innovation that drives growth and enables value creation worthy of the future – the next normal. Through this edition of Arohan’s Annual Report, we bring to you the ‘Elements of the Future’ that affirms our foundation for growth. With the industry, regulators, and the Government enabling us with the Space to grow, our robust business and operational process giving us a platform as solid as the Earth, our robust financials and scalable technology solutions being the Wind behind our wings, our quality functions as impactful as Fire, safeguarding us from deviations and aligning us to quality portfolio, and our various Human Resources and ESG initiatives that provide life not just to our employees, the internal stakeholders but also the communities we operate in, just as Water does. Turn the leaves of this report to knowmore. 1 Annual Report | 2021-2022