13 | Annual Report | 2025-2026 Our Business Verticles Credit Solutions that Enable Growth at Every Step In a rapidly evolving economic landscape, Arohan remains focused on identifying opportunities that better serve customers while safeguarding their interests at every step. By continuously strengthening processes, advancing a sustainable lending model, and diversifying its offerings, Arohan ensures that the varied and emerging credit needs of customers are met with care and responsibility. Anchored in a clear strategic roadmap, our operations are structured around four key business verticals that enable focused growth and deeper outreach. These verticals empower us to deliver innovative, accessible, and customercentric credit solutions across segments. At the core of Arohan’s business is our commitment to providing accessible credit to individuals at the bottom half of the socio-economic pyramid. Through our joint liability group model, we offer a range of financial products and services for microfinance customers. The Saral product family—which includes Saral New-to-Credit, Saral Use-to-Credit, and Saral Repeat—caters to diverse borrower profiles with loan sizes ranging from INR 25,000 to INR 1,25,000. With repayment tenures typically between 24 to 30 months, the product line emphasises flexibility and customer-centricity. This evolution of the Saral suite reflects Arohan’s broader commitment to financial inclusion with responsibility, supported by robust digital platforms, data-driven insights, and a long-term view of the customer lifecycle. Guided by Vision 2030 - to positively impact 20 million lives by 2030, Arohan’s diversified approach is designed not just to expand business, but to create meaningful progress in every hand we serve. TAILORED ORGANIC CREDIT SOLUTIONS
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