| 14 Annual Report | 2025-2026 Arohan takes pride in offering a range of solutions to meet the diverse needs of microfinance customers through our MFI Alliances vertical. This includes an innovative alliance-based model, designed to expand access to credit and support the growth of the retail borrowers including microfinance sector. Through this vertical, Arohan extends term loans ranging from INR 1 Cr to INR 100 Cr to smaller MFIs apart from other NBFCs, enabling them to build and scale their microfinance portfolios. Additionally, under the exclusive Sourcing & Collection (S&C) arrangements, partner MFIs establish dedicated branches to source and manage microfinance loans on Arohan’s behalf. These loans are booked under Arohan’s name and governed by its underwriting standards, ensuring quality and consistency. In return, partner institutions receive a share of the interest collections, creating a mutually beneficial, capital-light model that fosters portfolio expansion without direct capital investment. We also continue to evaluate the purchase of loan portfolios originated by NBFCs through direct assignment and securitisation transactions. Our ArohanPrivilege platform offers a seamless digital loan experience, designed specifically for our valued customers. Through the ApnaArohan app, customers can seamlessly access loan services, including application and repayment, through a fully technology based and cashless journey. The platform enhances customer convenience by minimising dependency on physical processes, while maintaining robust credit and risk assessment frameworks. Following a hybrid engagement model, both new and existing customers can initiate loan applications digitally, supported by field-level facilitation from our Customer Service Representatives (CSRs). This approach combines the efficiency of technology based processes with on-ground validation, ensuring both convenience and reliability. Recognising the vital role that micro and small enterprises play in India’s economy, Arohan offers tailored credit solutions designed to meet the unique needs of small entrepreneurs. Through its Micro Enterprise Loan Programme, the Company extends loans ranging from INR 50,000 to INR 5 lakhs, providing timely working capital support to help businesses grow and sustain their operations. By closely understanding the challenges faced by microentrepreneurs, Arohan delivers flexible, need-based financing that empowers them to strengthen their enterprises and progress with confidence. MFI ALLIANCES FOR BROADER ACCESS AROHANPRIVILEGE: TECHNOLOGY-BASED LENDING OFFERING ENABLING MICRO-ENTREPRENEURS WITH FLEXIBLE CREDIT SOLUTIONS Business Verticals
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