Dear Stakeholders, It gives me great pleasure to welcome you to the Annual Report of Arohan Financial Services for the financial year 2024-25. As we reflect on the past year, I would like to begin by expressing my gratitude for your continued support and belief in Arohan. Your trust has been the cornerstone of our journey, especially as we navigated a dynamic and evolving fiscal. The global economy in FY25 presented a mixed picture given the geo political situation. While several developed economies grappled with inflationary pressures, tightening monetary conditions, and geopolitical uncertainties, emerging markets showed resilience. Despite the challenges, the global financial ecosystem remained largely stable, supported by prudent policy decisions and a focus on inclusive growth. However, it is evident that the world is transitioning through a phase where adaptability, innovation, and social responsibility are more important than ever. In this global context, India has stood out as a beacon of growth and optimism. The country continued to chart a robust economic path, with GDP growth for Q4 FY 2025 estimated at around 7.4%, driven by strong domestic consumption, digital innovation, and infrastructure investments. India’s macroeconomic stability, coupled with visionary governance, has fortified its position as one of the most promising major economies globally. The Government’s mission of Viksit Bharat@2047 continues to inspire institutions across sectors. This vision of transforming India into a developed nation by its centenary of independence emphasizes inclusive development, sustainability, and economic empowerment for all – goals that align closely with our own at Arohan. The Reserve Bank of India’s latest Financial Stability Report and the Financial Inclusion Index both reflect encouraging progress in deepening credit penetration and expanding financial access across the country. This momentum, particularly in underserved and unbanked regions, is vital. It is here that institutions like Arohan have a pivotal role to play. Microfinance remains a powerful instrument of Chairman’s Address Dinesh Kumar Mittal Chairman Board of Directors 1 | Annual Report | 2024-2025
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