Input Business Flow Robust Financial Strength Arohan continues to maintain a strong and profitable financial position, with a Capital Adequacy Ratio of 27.61%. This enables us to secure debt at favorable rates, allowing us to pass on the benefits of lower interest costs to our customers. Our wellcapitalized balance sheet also empowers us to invest in ongoing process improvements and optimize our operational structure, ensuring that the benefits are felt all the way through to the end customer. Equity: INR 2,157.78 Cr Debt: INR 5,899.62 Cr Identifying the right pool of customers in operational geographies Transforming Access to Credit Through Technology At Arohan, we harness the power of cutting-edge technology to simplify the credit process, making it easier and more accessible for our eligible customers. Our commitment to innovation ensures that we streamline credit access while never compromising on the quality of our portfolio. By continuously advancing our technological capabilities, we are not only enhancing customer experiences but also setting new standards in the industry, earning recognition on prestigious platforms for our forward-thinking approach. Nirnay, proprietary credit scoring model, completely paperless sourcing of loans through e-Signature, completely paperless Document Management System, State-of-the-art Customer App, Apna Arohan for enhanced customer delight and experience. Leveraging Diverse Talent and Nurturing Leadership Driven by a wealth of human capital and deep industry expertise, Arohan thrives on a strong Board and exceptional leadership team. We ensure resilient operational processes while creating meaningful livelihoods at the grassroots level and continuously driving innovation. Our commitment to inclusivity goes beyond the workplace, as we actively foster an environment where diversity thrives. With a goal of achieving a balanced gender ratio of 50:50 by 2030, we are dedicated to developing leadership that reflects the diverse perspectives and talents of our team. Total Headcount: 9,654 Upskilling platforms: Learning Management System, Saksham, Managerial Development Programme, RiseNXT Training and Financial Literacy of Customers. Committed to driving service excellence by maintaining an unwavering focus on the customer experience. Through strategic investments in building strong credit and creditplus relationships, coupled with a strict adherence to regulatory standards, we have cultivated a culture centered around the customer. Our broad range of products and services demonstrates our dedication to excellence, ensuring that delivering a superior customer experience is always our top priority. Total Number of Households impacted: 19.8 Lakh Customer Retention Rate: 70.59% (organic segment) ArohanPrivilege: Advanced technology-based digital loan sourcing facility that integrates end-to-end customer journey and is designed to serve seasoned credit customers efficiently through a seamless process covering e-KYC for e-signing, cashless disbursals and repayments. Championing ESG-Driven Value Creation Arohan is deeply dedicated to creating sustainable long-term value driven by core ESG principles, focusing on generating a positive, holistic impact on both society and the environment. By seamlessly combining social responsibility with targeted financial inclusion and credit initiatives, we actively empower underserved households and communities. Promoting a disciplined triple bottom-line framework allows us to harmonize people, planet, and profit—ensuring ethical, resilient operational growth while making deeply meaningful, measurable contributions to the lives of all those we serve. Cashless Loan Disbursals, through reliable Loan Management System Digital repayment facilities for our customers using any UPI application. We make use of the Bharat Bill Payment System through tie-ups with PayU Bank, and of Aadhaar Enabled Payment System (“AEPS”) through PayU Payments Private Limited. Customers can also make repayments using their debit cards via [Ezetap Mobile Solutions Private Limited’s “Ezetap” digital payment system.] Customers who are not comfortable with digital payment can pay cash to our CSR alternatively they can also walk down to their nearest Arohan’s partner cash drop points like Airtel Payments Bank Limited, FINO Payments Bank LTD, Spice Money Limited and Nearby Technologies Private Limited’s PayNearby. Re-engagement with customers and the communities we serve through credit plus services and social initiatives. ESG Focus
RkJQdWJsaXNoZXIy NTE5NzY=