17 | Annual Report | 2024-2025 INPUT BUSINESS FLOW Robust Financial Strength Arohan continues to maintain a strong and profitable financial position, with a Capital Adequacy Ratio of 34.09%. This enables us to secure debt at favorable rates, allowing us to pass on the benefits of lower interest costs to our customers. Our well-capitalized balance sheet also empowers us to invest in ongoing process improvements and optimize our operational structure, ensuring that the benefits are felt all the way through to the end customer. Equity: INR 2,025 Cr Debt: INR 4,703 Cr Identifying the right pool of customers in operational geographies Nirnay, proprietary credit scoring model, completely paperless sourcing of loans through e-Signature, completely paperless Document Management System, State-of-the-art Customer App, Apna Arohan for enhanced customer delight and experience. Training and Financial Literacy of Customers. First-in-the-industry ArohanPrivilege Digital Lending platform, Aadhaar enabled eKYC Cashless Loan Disbursals, through a state-of-the-art Loan Management System Cashless Collections (various modes of digital payments for customers including AEPS, Credit. Debit Cards, digital wallets, UPI, BBPS, and cash drop points) Re-engagement with customers and the communities we serve through credit plus services and social initiatives. Transforming Access to Credit Through Technology At Arohan, we harness the power of cutting-edge technology to simplify the credit process, making it easier and more accessible for our eligible customers. Our commitment to innovation ensures that we streamline credit access while never compromising on the quality of our portfolio. By continuously advancing our technological capabilities, we are not only enhancing customer experiences but also setting new standards in the industry, earning recognition on prestigious platforms for our forward-thinking approach. Leveraging Diverse Talent and Nurturing Leadership Driven by a wealth of human capital and deep industry expertise, Arohan thrives on a strong Board and exceptional leadership team. We ensure resilient operational processes while creating meaningful livelihoods at the grassroots level and continuously driving innovation. Our commitment to inclusivity goes beyond the workplace, as we actively foster an environment where diversity thrives. With a goal of achieving a balanced gender ratio of 50:50 by 2030, we are dedicated to developing leadership that reflects the diverse perspectives and talents of our team. Total Headcount: 10,252 Upskilling platforms: Hi-Pot & Leadership Development programme for middle & senior management, Role Play Sessions, and On Job Trainings for Branch teams Awareness Platform: Pragati Knowledge Platform: Saksham, Refresher Training, E-Modules deployed through Learning Management System Committed to driving service excellence by maintaining an unwavering focus on the customer experience. Through strategic investments in building strong credit and credit-plus relationships, coupled with a strict adherence to regulatory standards, we have cultivated a culture centered around the customer. Our broad range of products and services demonstrates our dedication to excellence, ensuring that delivering a superior customer experience is always our top priority. Total Number of Households impacted: 21,39,098 Customer Retention Rate: 73.12% Languages available in Customer App: Championing ESG-Driven Value Creation Arohan is dedicated to creating value driven by ESG principles, focusing on making a positive, holistic impact on both society and the environment through a combination of social responsibility and credit initiatives. By promoting a triple bottom-line approach, our efforts benefit people, the planet, and profit, ensuring sustainable growth while making meaningful contributions to our customers and communities. ESG Focus
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