| 40 Annual Report | 2025-2026 ArohanPrivilege is not just a service, it’s a transformative experience. Built on the vision of empowering customers across geographies where Arohan’s flagship product Saral is active, the platform enables eligible borrowers to apply for and repay microfinance loans digitally, at their convenience and on their terms. Customers can access loan amounts ranging from INR 20,000 to INR 1,00,000 and complete end-to-end transactions from their homes, with the flexibility to choose the loan amount and tenure. ArohanPrivilege follows a hybrid engagement model, wherein customers, both new and existing, can initiate loan applications digitally, supported by field-level facilitation from Customer Service Representatives (CSRs). This approach combines the efficiency of digital processes with onground validation, ensuring both convenience and reliability. The facility is currently available across multiple states where our Company operates. This offering serves as a differentiator service for our Company, as it provides customers with a digital, convenience-led borrowing experience that is distinct from traditional microfinance delivery models and enhances our value proposition. By the close of FY 2026, 41,552 customers have successfully availed this service, with a managed portfolio of INR 175.25 Cr - clear evidence of the trust and impact this initiative has fostered. Secondary Loan Products Cross Sell Products In addition to the above-mentioned core loan products, we offer a range of secondary products for other daily purposes to our core lending product customers. We cater to our customers’ requirements for both financial products like Life, Health and General Insurance, as well as non-financial products. Over the years, Arohan has developed a powerful platform for deepening connections with customers and their families. At the heart of this evolution is a focused strategy— designed not only to broaden customer access to diverse financial inclusion products but also to strengthen long-term lender – creditor relationships and overall customer engagement. Our Cross Sell business model aims to enhance customer touchpoints while improving their standard of living. This model allows us to diversify operational risks and create new revenue streams, contributing to our sustainability and growth. By utilizing the ‘ApnaBazaar’ platform, we integrate cross-selling into our customer interactions. Through scheduled meetings with customer service representatives, we present innovative products to both new and existing customers. Over time, we have established multiple connections with customers and their families to meet their evolving needs for financial inclusion and non-financial products. 1. Financial Safety Net Products Arohan’s approach to financial products reflects a blend of operational efficiency and a deep commitment to customer well-being. The insurance onboarding process is fully digital and paperless, ensuring a seamless experience. Upon enrollment, each customer receives a SMS containing a Certificate of Insurance (CoI) accessible via a compressed URL directly from the insurer. Arohan is a registered Corporate Agent (Composite) with the Insurance Regulatory and Development Authority of India (IRDAI), reaffirming its dedication to offering reliable insurance solutions and a robust support system as part of its broader financial inclusion mission. Arohan’s Financial Safety Net Products are designed to bring households into the broader fold of financial inclusion by offering essential protection against life’s uncertainties. These products serve as a critical layer of security for customers and their families, helping them build resilience in the face of unforeseen challenges. Currently, this category includes a range of Life, Health and General Insurance offerings, developed in partnership with trusted insurance providers. These policies are issued and underwritten by the respective insurers with whom Arohan has established formal tie-ups, ensuring credibility, compliance, and customer trust. By facilitating access to these insurance solutions, Arohan empowers its customers to safeguard their own financial well-being and future - a key pillar of its inclusive, customer-centric approach. Arohan’s suite of financial Cross Sell products include: a) Group Term Life Insurance: With insurance coverage equal to the loan amount of the customer, in the unfortunate event of the death of the policyholder, the insurance allows the nominee to obtain a sum insured under the policy minus the amount outstanding under the loan agreement at the time of death of insured. This ensures that the nominee is not burdened with the fulfilment of the outstanding loan amount. To safeguard the customer’s family in such an unfortunate event, it is a useful product for Arohan’s borrowers and their co-borrowers, if they choose to get enrolled to this insurance. Management Discussion & Analysis
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