| 56 Annual Report | 2024-2025 Management Discussion & Analysis for business intelligence and analytics. The resulting dynamic dashboards and actionable insights empower both field teams and leadership with real-time visibility, enabling faster, more informed strategies and operational responsiveness. Arohan’s mobile-first approach ensures our teams stay seamlessly connected to customers in all conditions. All field staff are equipped with mobile or tablet devices, and our flexible BYOD (Bring Your Own Device) policy further enhances accessibility and productivity on the go. Our forward-thinking investments in cloudbased technologies and digital tools have transformed our operational workflows— creating an ecosystem that is scalable, secure, and fully optimized for the future. Key platforms and innovations include: • Profile (FIS Core Banking System): As the first NBFC-MFI in India to adopt Profile, Arohan has revolutionised backend operations, enabling unmatched transaction volume handling and superior service reliability. • MeraArohan: A comprehensive digital suite that supports both core and non-core functions—from loan origination to recoveries, internal audit, cross-sell marketplace, field monitoring, and document management— digitally unifying the organisation under one cohesive platform. • ApnaArohan: Our customer-facing app provides quick loan disbursals (under 10 minutes for ArohanPrivilege users), multilingual support, real-time loan status, eligibility checks, insurance info, grievance redressal, and direct communication with field officers. It enhances customer autonomy and experience across all serviced geographies. • Prismatic by CRIF High Mark: Used for data-driven area selection, this advanced analytics tool informs strategic expansion into new regions. • BoardPAC: A comprehensive corporate governance software that manages all board- related activities in a paperless, transparent, and timely manner. This has led to reduced usage of and dependence on physical documents, ultimately increasing security and reducing turn-around time as well as costs. • Nirnay (Credit Scoring with StrategyOne): In collaboration with CRIF, this customisable scoring engine optimises lending decisions, improves risk control, and ensures consistent customer experiences across segments. FY 2025 Arohan was recognised with the SKOCH Order of Merit Award for Implementation of its Credit Scoring Module. • Arohan Social: Launched in FY 2025, Arohan Social is an enterprise-wide communication platform designed to connect employees across every level of the organisation. By breaking down linguistic and geographic barriers, the app fosters seamless collaboration and real-time communication, ensuring that all employees, from field staff to senior management, are aligned and informed. With features like real-time translation and mobile access, it enhances productivity, boosts employee engagement, and promotes a culture of transparency and inclusivity. • HRMS Upgraded to Adrenalin MAX 2.0: Arohan has implemented Adrenalin MAX 2.0, an advanced Human Resource Management System featuring enhanced functionality, strengthened security, and an intuitive user interface—streamlining HR workflows and delivering a more efficient and seamless experience for employees. Through these digital innovations, Arohan continues to elevate its operational excellence and customer service delivery—ensuring that every interaction is faster, smarter, and more impactful. Seamless Digitization of Customer Lifecycle Management Arohan’s strategic integration of cutting-edge digital solutions ensures the company is not only prepared for the future but also drives exceptional operational efficiency. This digital transformation empowers advanced data analytics, enabling targeted customer profiling, personalised product offerings, and riskbased pricing—all of which enhance customer satisfaction and deepen engagement. The company’s loan lifecycle management leverages technology across every stage—from branch area selection to loan origination, data validation, quality assurance, and repayment monitoring. This seamless digitization ensures speed, accuracy, and compliance at every touchpoint. • Data-Driven Expansion: Arohan uses CRIF High Mark analytics to assess key business factors like portfolio quality and market competition, guiding strategic territory expansion. • Streamlined Loan Origination: Through the meraArohan platform, the loan origination process is automated, with real-time credit checks, loan eligibility calculations, and seamless KYC document uploads. Group Recognition Tests further ensure accurate onboarding before loan approval.
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