Investor Presentation

**1. Financial Highlights:** Loan Portfolio (AUM) reached ₹12,458 Cr (+20% YoY). Profit after Tax (PAT) hit ₹266 Cr (+6% YoY). Gross NPAs rose to 2.46% (vs 1.41% previous year), Net NPAs 1.25%. Net Interest Margin (NIM) was 16.43%, RoA 7.24%, RoE 16.57%. **2. Strategic Initiatives & Growth Drivers:** Expanded with 19 new branches, totaling 767, emphasizing network growth & increasing average loan ticket sizes.

Major tech investments in API, data analytics, and ML models aim for efficiency. **3. Business Developments:** Core business: 100% secured loans, primarily to small business owners against residential property.

Maintains 100% in-house sourcing & collections.

Average new loan ticket size: ₹0.039 Cr. **4. Market Position & Competitive Advantage:** Targets underserved market through proprietary underwriting & deep customer insight.

Strong 49.15% capital adequacy & AA- credit rating highlight financial strength.

Extensive branch network offers a key distribution edge. **5. Investor Implications:** Consistent AUM & PAT growth signals positive potential.

While rising Gross/Net Stage 3 assets need monitoring, robust provisioning and collection systems are active to mitigate risks.