3 | Annual Report | 2024-2025 Vice Chairman’s Address Dear Shareholders, We find ourselves navigating a world that is increasingly defined by Volatility, Uncertainty, Complexity, and Ambiguity (VUCA). It is a landscape shaped by rapidly evolving global dynamics—where each day presents new challenges that test the very foundations of institutions and societies. The past year has been particularly tumultuous. Geopolitical conflicts have intensified across continents, with wars threatening to spill over borders and destabilise entire regions. Simultaneously, the escalating impact of climate change is no longer a distant concern but a lived reality. Extreme weather events, floods, droughts, and forest fires are occurring with alarming frequency, displacing communities and disrupting livelihoods. These crises are not isolated—they are deeply interconnected, with ripple effects felt across supply chains, markets, and economies worldwide. In this backdrop, Arohan Financial Services has had to confront its own share of challenges. FY 2025 was a year that brought the abstract notion of global volatility into very tangible focus for us. We were tested—not only in terms of commercial performance, but in our core values, our institutional integrity, and our ability to stay true to our mission under pressure. Throughout this period, we faced intense regulatory scrutiny and navigated complex operational hurdles. These challenges demanded from us not just technical resilience, but also a deep reservoir of moral courage, conviction, and clarity of thought. We had to consistently lean on our ethical compass, making difficult decisions that balanced regulatory expectations with the long-term interests of our customers and stakeholders. Amidst this turbulence, our vision—to serve the underserved and bring meaningful financial inclusion to the last mile—remained our North Star. We doubled down on listening to our Vineet Chandra Rai Vice Chairman, Arohan Financial Services Limited Founder, Aavishkaar Group
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