| 18 Annual Report | 2024-2025 OUTPUT SDG LINKAGE a. CAR: 34.09% b. Revenue: INR 1,695 Cr c. PAT: INR 110 Cr a. Branch: 1,102 b. Customers: 21,39,098 c. Recognised for our industry-leading Credit Scoring Model, ‘Nirnay’ d. ISO/IEC 27001:2013 certification by BSI for Arohan’s Information Security and Management Systems e. Digitalised, in-house processes: Employee Social Network, e-KYC, Audit Management System, Fraud Management System, Industry first Digital lending, AI-enabled Location Mapping Software for the Debt Receivable Department, Field employee incentive calculator, real time field monitoring platfiorm called Sanjaya a. Great Place to Work Certified, Ranked 35th among India’s Best Companies to Work For, 2024 b. Recognised for its industry-leading High Potential & Leadership Development Programme c. Percentage of field employees: 92.48% d. Women in leadership: 17% e. On-premise, digitalised field recruitment system: SWAGATAM a.Total lives impacted through Corporate Social Responsibility initiatives: 8,52,355 (2016-2025) b. Number of Clean Energy Product Distribution (Including Retail Distribution): 77,885 a. Percentage of customers who have availed first-time loans in their life cycle: 22.47% b. Percentage of women customers: 99% c. Grading & Rating: GOLD Standard in Client Protection Principle by the MFR Certification Committee, COCA Assessment score of C1, MFI Grading of MFI1 by CARE Edge Growth through the lens of Sustainability
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