| 20 Annual Report | 2025-2026 Large Customer Base Diversified Network and As of March 31, 2026, Arohan has 1.98 million active customers across 16 operating states in India. Women constitute the primary customer base of our Company, representing more than 98.39% of our total customers as of March 31, 2026, and our lending activities are primarily directed towards supporting their household livelihood and income-generating activities. We also cater to traders and micro, small and medium enterprises (“MSMEs”). We commenced our microfinance business in 2006 with operations in a single location in Kolkata, West Bengal, and our operations were predominantly focused on the eastern region of India. Over the years, we have prioritised geographic diversification across states in western and southern India and have gradually expanded our footprint into under-penetrated rural and semiurban areas that present growth opportunities. As of March 31, 2026, we have a diversified presence across 318 districts, primarily located in rural and semi-urban areas and we operate 1,069 branches, across 16 operating states in India. Of these, 73% of our total branch network, are located in rural areas, while 11% operate in semi-urban areas. The remaining 16% of the network, are located in urban areas. Our geographically distributed branch network enables us to deliver financial products and related services directly to customers in underserved and unserved communities, thereby supporting our objective of expanding financial inclusion through last-mile delivery. Our branch-based distribution model is complemented by technology-enabled processes that strengthen loan origination, collections and customer service across regions, enabling us to effectively service our existing customer base and deepen our presence while expanding outreach to new customers. Large Customer Base and Diversified Network
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