| 4 Annual Report | 2024-2025 customers, understanding their anxieties, and adapting our services to meet their needs. It is this closeness to the ground that enabled us to respond with empathy, flexibility, and speed, even as larger external forces seemed overwhelming. From our earliest days, Arohan has been built on a foundation of robust corporate governance, transparency, and deep concern for the wellbeing of our customers. These are not just guiding principles—they are operational imperatives that shape every decision we take. This year, they were our armor. In the face of scrutiny and skepticism, we responded with integrity. In the face of adversity, we stood firm in our commitment to do what is right—never allowing the pressure of the moment to cloud our long-term vision. I would like to express our sincere gratitude to the Reserve Bank of India, whose oversight and guidance during this difficult time were invaluable. We also acknowledge, with deep appreciation, the continued trust of our 2.1 mn borrowers—a remarkable 40% of whom are served exclusively by Arohan. This enduring relationship is a powerful testament to the trust our customers place in us. To our shareholders, we are thankful for your steady support and belief in our long-term mission. To our Chairperson and Independent Directors, your wisdom, encouragement, and strategic counsel were vital in keeping us grounded in reality and focused on the future. Your leadership helped us not only weather the storm but emerge from it with greater clarity and confidence. Despite the challenges, we concluded FY 2025 with strong financial performance, underpinned by a healthy capital adequacy ratio and prudent risk management. These fundamentals position us well for the journey ahead, as we continue to scale our impact while maintaining a sharp focus on sustainability, compliance, and customer well-being. We take great pride in the resilience of our people—over 10,000 dedicated employees— who worked tirelessly to support our customers and communities. And we remain inspired by the spirit of our borrowers, whose determination and hope remind us every day why Arohan exists. As we look to the future, we do so with quiet confidence. We are prepared not only to navigate the risks ahead, but to seize the opportunities that will emerge in their wake. We reaffirm our commitment to building an organisation that is resilient, responsible, and relentlessly focused on creating meaningful, lasting impact. Thank you for your continued trust and partnership. Warm Regards, Vineet Chandra Rai Vice Chairman, Arohan Financial Services Limited Founder, Aavishkaar Group Promoter’s Address
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