41 | Annual Report | 2024-2025 Arohan stands out as the first NBFC-MFI to introduce a dedicated credit team for this segment, underscoring its commitment to innovation and customer-centricity. The service is currently operational across more than 370 branches, with over 11,000 customers onboarded in the past 12 months alone. With plans for further expansion underway, Arohan continues to lead the way in serving the evolving needs of micro-entrepreneurs across regions. Arohan Privilege Digital Lending: In its unwavering pursuit of innovation and customercentric excellence, Arohan achieved a landmark milestone in FY 2023 with the launch of ArohanPrivilege - a pioneering digital lending platform designed specifically for microfinance customers. This industry-first offering redefines financial inclusion by putting the power of choice, convenience, and control directly into the hands of our customers. ArohanPrivilege is not just a product - it’s a transformative experience. Built on the vision of empowering customers across geographies where Arohan’s flagship product Saral is active, the platform enables eligible borrowers to apply for and repay microfinance loans digitally, at their convenience and on their terms. By the close of FY 2025, 29,464 customers had already embraced this new era of lending, with a managed portfolio of INR 102.53 Cr - clear evidence of the trust and impact this initiative has fostered. This digital-first approach is tailored for financially disciplined customers who have consistently demonstrated timely repayments. It serves as a fast-track, hassle-free alternative to traditional lending models, offering a range of customerfirst benefits: Instant access to funds - loans disbursed within minutes of approval. An intuitive, user-friendly interface that simplifies the borrowing experience. • Total convenience - no more time lost to group meetings or branch visits. • Freedom from wage loss, as customers can apply from the comfort of their home. • Flexible loan amounts and repayment terms that fit their unique needs. • Personalised repayment schedules, designed around their cash flow. With loan amounts ranging from INR. 5,000 to INR. 75,000, ArohanPrivilege is designed to meet diverse financial needs across rural and semi-urban India. The service is currently available in Assam, Bihar, Chhattisgarh, Gujarat, Jharkhand, Karnataka, Madhya Pradesh, Maharashtra, Meghalaya, Odisha, Uttar Pradesh, Uttarakhand, and West Bengal. As Arohan continues its journey toward its Vision of impacting 20 mn lives by 2030, ArohanPrivilege stands as a bold step forward in delivering digital empowerment, financial dignity, and customer delight at scale. Secondary Loan Products Over the years, Arohan’s Secondary Loan Products vertical has evolved into a powerful platform for deepening connections with customers and their families. At the heart of this evolution is a focused Cross Sell strategy— designed not only to broaden customer access to diverse financial inclusion products but also to strengthen long-term credit relationships and overall customer engagement. In FY 2025, the vertical witnessed significant growth through an expanded network of partnerships, curated to address the varied needs of its customer base. This included a wider portfolio of offerings—from Life and Non Life Insurance to Utility Products and Consumer Durables—underscoring Arohan’s unwavering commitment to comprehensive and inclusive financial solutions. Cross Sell Business Model: Arohan’s Cross Sell business model is built on the foundation of deepening customer engagement while enhancing their quality of life. By expanding access to relevant products and services, the model not only supports the customer’s financial well-being but also diversifies Arohan’s operational risk and unlocks new revenue streams for us—playing a vital role in Arohan’s long-term sustainability and growth. At the core of this strategy is ApnaBazaar, Arohan’s innovative platform that integrates Cross Sell seamlessly into regular customer interactions. Leveraging scheduled customer meetings, the
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