35 | Annual Report | 2025-2026 Fourth, we will maintain an unwavering commitment to strong governance, responsible lending, and disciplined risk management. The lessons learned across the industry over the past few years have reinforced the importance of balancing growth with prudence. We will continue to prioritise portfolio quality, compliance excellence, capital efficiency, and long-term value creation over short-term gains. In financial services, sustainable success is not measured by the speed of growth alone, but by the ability to preserve trust through every business cycle. As we enter the next phase of our journey, we are also laying the groundwork for an important milestone in Arohan’s evolution, our proposed IPO subject to regulatory approvals, market conditions, and other necessary considerations. Over the past several years, we have focused on building a strong and scalable institution by strengthening our governance architecture, financial controls, risk management framework, technology infrastructure, and operational capabilities. These investments have positioned us well for the next stage of growth and enhanced our readiness to access public capital markets. We view the proposed IPO not merely as a capitalraising exercise, but as a strategic step in Arohan’s long term growth journey. We expect to receive the benefits of listing of the Equity Shares on the stock exchanges, enhancement of our brand name and creation of a public market for our Equity Shares in India. Our vision extends beyond financial performance. Every loan we disburse represents an opportunity to support an entrepreneur, strengthen a household, empower a woman, and contribute to local economic development. As we move forward, we remain committed to creating sustainable impact while delivering consistent value to our stakeholders. We believe that the true measure of success lies not only in financial returns, but also in the positive change we create in the lives of the communities we serve. As we prepare for this transition, our focus remains on building a high-quality, institutionally governed franchise characterised by sustainable growth, strong asset quality, operational excellence, and responsible lending practices. We believe that a public listing will mark the beginning of a new chapter in Arohan’s journey, creating long-term value for our customers, employees, investors, and all other stakeholders. With a strong foundation, a clear strategic direction, and the dedication of our people, we are confident that Arohan is well positioned to capitalise on emerging opportunities and continue its journey as one of India’s leading financial inclusion institutions. Our focus remains on building an institution that is not only larger in scale, but stronger in capability, deeper in impact, and superior in governance. Together, we will build a stronger, more resilient, more technology driven and more inclusive future, creating enduring value for our customers, shareholders, employees, and society at large.
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