| 204 Annual Report | 2025-2026 Financials Note 49: Disclosures pursuant to the Reserve Bank of India Master direction circular RBI/DOR/2025-26/359 DOR.ACC.REC.No.278/21.04.018/2025-26 updated on November 28, 2025. (cont’d) Arohan Financial Services Limited Notes to financial statements for the year ended March 31, 2026 (cont’d) (All amounts in ₹ lakhs unless otherwise stated) x) Information on instances of fraud identified during the year Particulars As at March 31, 2026 As at March 31, 2025 Nature of fraud A. Cash embezzlement No. of cases 2,502 2,526 Amount of fraud 345.20 395.83 Recovery 123.09 68.28 Amount provided for 222.11 327.55 B. Loans given against fictitious documents No. of cases 128 90 Amount of fraud 67.11 134.15 Recovery 29.49 6.46 Amount provided for 37.62 127.69 C. Others (Snatching etc.) No. of cases 21 52 Amount of fraud 8.70 38.31 Recovery 3.30 13.34 Amount provided for 5.40 24.97 Liabilities side: (1) Loans and advances availed by the non-banking financial company inclusive of interest accrued thereon but not paid (*): Particulars As at March 31, 2026 As at March 31, 2025 Amount outstanding Amount overdue Amount outstanding Amount overdue (a) Debentures Secured 16,066.90 - 21,428.42 - Unsecured 22,501.51 - 32,519.27 - (other than falling within the meaning of public deposits) (b) Deferred credits - - - - (c) Term loans - - - - Secured 5,03,371.40 - 4,09,119.31 - Unsecured 2,523.72 - 7,581.05 - (d) Inter-corporate loans and borrowing - - - - (e) Commercial paper - - - - (f) Public deposits - - - - (g) Other loans (working capital loan and securitisation liability from banks and AMC) 47,247.60 - 937.00 - (*) The above figure excludes adjustments of loan processing charges
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