| 2 Annual Report | 2025-2026 While challenges such as energy dependence, regional disparities, and sector-specific stress continue to require careful attention, we view them as opportunities for innovation, disciplined execution, and strategic transformation. At Arohan, responsible growth, sound governance, portfolio quality, and customer trust remain central to our operating philosophy and long-term strategy. Financial inclusion continues to play a transformative role in India’s development journey. Over the last decade, initiatives such as JAM Trinity - Jan Dhan, Aadhaar, and widespread mobile connectivity have revolutionized access to formal financial services and brought millions into the financial mainstream. Today, the focus is evolving beyond access toward building deeper engagement, financial resilience, and sustainable empowerment for underserved communities. Technology and digital public infrastructure are expected to play a defining role in accelerating this next phase of inclusion. Artificial Intelligence is emerging as a powerful catalyst in reshaping the future of inclusive finance. Across the financial ecosystem, AI-driven technologies are enabling institutions to improve efficiency, strengthen risk management, and deliver more personalized and responsive customer experiences. One of the most significant applications of AI lies in credit assessment, where advanced analytics and machine learning models are enabling lenders to evaluate borrowers with limited formal credit histories through alternative data and predictive insights. This is helping expand responsible access to credit while supporting more informed and prudent lending decisions. India’s rapidly evolving digital public infrastructure is also creating exciting new possibilities for seamless and inclusive financial services. Initiatives such as the Unified Lending Interface (ULI) and the Account Aggregator ecosystem are simplifying credit delivery through secure and consent-based data sharing, thereby improving transparency, reducing turnaround times, and enhancing operational efficiency. Additionally, initiatives like Banking BHASHINI are helping bridge linguistic barriers and making digital financial services more accessible across multiple Indian languages, ensuring deeper inclusion across diverse geographies and customer segments. At Arohan, our journey is guided by a larger social purpose, creating sustainable and meaningful impact at the grassroots level across India. We firmly believe that financial inclusion extends far beyond the provision of credit; it is about empowering individuals, supporting livelihoods, nurturing entrepreneurship, and enabling long-term economic progress. Our approach continues to be rooted in responsible growth, customer empowerment, and inclusive development. Through our continued efforts, we aim to strengthen financial access, create economic opportunities, and improve the quality of life for millions of underserved families. Every initiative we undertake reflects our unwavering commitment to building a more inclusive, resilient, and financially empowered society. By combining technology, innovation, and human-centric engagement, we are creating solutions that are not only scalable and efficient but also deeply impactful. Though our continued efforts, we aim to strengthen financial access, create economic opportunities, and improve the quality of life for millions of underserved families. At Arohan, technology and digital transformation continue to be central to our long-term growth strategy and future readiness. We are consistently investing in strengthening our digital capabilities, modernizing operational processes, and leveraging data-driven insights to enhance operational excellence and deliver a superior customer experience. While we have made significant progress in our digital journey, we also recognize that this is an evolving transformation with immense opportunities ahead. Our employees continue to remain our greatest strength and the driving force behind our success. Their passion, dedication, and commitment to excellence have played a pivotal role in helping Arohan achieve its goals and deliver value to customers across geographies. I would like to express my heartfelt appreciation to every member of the Arohan family for their hard work, resilience, and unwavering commitment to our mission. On behalf of the Board of Directors, I would also like to express my sincere gratitude to our Promoters, fellow Board members, investors, lending partners, and regulatory authorities for their invaluable trust, guidance, and continued support. Their confidence in Arohan’s vision and longterm strategy has been instrumental in strengthening our institution and enabling us to navigate a dynamic operating environment with resilience and purpose. Above all, I extend my deepest gratitude to our 2 million customers, whose trust and belief in Arohan inspire us every single day. Their aspirations motivate us to continuously innovate, improve, and expand our efforts toward building a stronger and more inclusive institution. Together, we remain committed to creating sustainable financial value while contributing meaningfully to inclusive growth, social progress, and nation-building. As we look ahead, we do so with confidence, optimism, and a strong sense of purpose. With a robust foundation, a clear strategic vision, and an unwavering commitment to responsible growth and financial inclusion, Arohan is wellpositioned to continue creating lasting impact and delivering sustainable value for all stakeholders. Together, we will continue empowering lives, strengthening communities, and building a brighter and more inclusive future for India. Dinesh Kumar Mittal Chairman Board of Directors Chairman’s Address
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