1 | Annual Report | 2025-2026 Chairman’s Address DINESH KUMAR MITTAL Chairman Board of Directors It is my immense privilege and honour to present the Annual Report of Arohan Financial Services Limited for this remarkable financial year. Over the past year, the global and domestic economic environment continued to evolve rapidly, creating new opportunities alongside emerging challenges. Amid this dynamic landscape, Arohan remained unwavering in its commitment to advancing financial inclusion and empowering underserved communities across India. Guided by our strong values, customer-first philosophy, and longterm vision, we continued to strengthen our position as a trusted and purpose-driven financial institution dedicated to creating sustainable impact. This year has been a testament to Arohan’s resilience, adaptability, and relentless pursuit of excellence. Through disciplined execution, prudent risk management, and a sharp focus on customer centric growth, we successfully navigated the changing environment while continuing to deliver long-term value for all stakeholders. At the same time, we accelerated our investments in technology, innovation, and digital transformation to enhance operational efficiency, strengthen governance, and deliver a seamless customer experience. These initiatives are helping us build a stronger, smarter, and future-ready organization capable of driving sustainable growth in an increasingly digital world. At the heart of our progress lies the unwavering trust and confidence placed in us by our customers, employees, business partners, lenders, investors, and shareholders. Their continued support has been instrumental in strengthening the foundation of Arohan and inspiring us to continuously raise the bar. As we move forward, we remain deeply committed to building an inclusive, resilient, and highimpact institution that contributes meaningfully to financial empowerment, economic development, and social progress across the country. The global economy in 2026 continues to demonstrate resilience despite macroeconomic uncertainties, geopolitical developments, supply chain realignments and fluctuations in energy markets. Encouragingly, easing inflationary pressures, sustained infrastructure investments, and supportive fiscal and monetary policies across major economies are creating a more stable and constructive global outlook. These developments are opening up significant opportunities for emerging markets and strengthening the foundation for long-term economic growth and innovation. India continues to stand out as one of the world’s fastest growing major economies, driven by robust domestic demand, strong public and private investments, expanding digital infrastructure, and improving rural consumption. The country’s strong economic fundamentals, reform momentum, and entrepreneurial energy continue to position India as a global growth engine. Inflation is also gradually aligning with the Reserve Bank of India’s long-term target range, reflecting sound macroeconomic management and policy stability. Dear Shareholders, Partners and Colleagues
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