Arman Financial Services Limited

INR 2,143 Crore

Page 40 3 Quarterly Business Update 4 Q1FY24 Performance Highlights Assets Under Management INR 2,143 Crore (+54% Y-o-Y) Provisions and write offs INR 13 Crore Cumulative Provisions stood at INR 72 Cro

54%

ly Business Update 4 Q1FY24 Performance Highlights Assets Under Management INR 2,143 Crore (+54% Y-o-Y) Provisions and write offs INR 13 Crore Cumulative Provisions stood at INR 72 Crore (cov

INR 13 Crore

e Highlights Assets Under Management INR 2,143 Crore (+54% Y-o-Y) Provisions and write offs INR 13 Crore Cumulative Provisions stood at INR 72 Crore (covering 3.4% of the consolidated AUM, 4.1% on -book

INR 72 Crore

,143 Crore (+54% Y-o-Y) Provisions and write offs INR 13 Crore Cumulative Provisions stood at INR 72 Crore (covering 3.4% of the consolidated AUM, 4.1% on -book) Disbursement INR 537 Crore (+42% Y-o-Y)

3.4%

) Provisions and write offs INR 13 Crore Cumulative Provisions stood at INR 72 Crore (covering 3.4% of the consolidated AUM, 4.1% on -book) Disbursement INR 537 Crore (+42% Y-o-Y) Shareholder’s

4.1%

INR 13 Crore Cumulative Provisions stood at INR 72 Crore (covering 3.4% of the consolidated AUM, 4.1% on -book) Disbursement INR 537 Crore (+42% Y-o-Y) Shareholder’s Equity INR 406 Crore* CRAR:

INR 537 Crore

isions stood at INR 72 Crore (covering 3.4% of the consolidated AUM, 4.1% on -book) Disbursement INR 537 Crore (+42% Y-o-Y) Shareholder’s Equity INR 406 Crore* CRAR: Arman (Standalone): 31.64%; CRAR: Namra

42%

R 72 Crore (covering 3.4% of the consolidated AUM, 4.1% on -book) Disbursement INR 537 Crore (+42% Y-o-Y) Shareholder’s Equity INR 406 Crore* CRAR: Arman (Standalone): 31.64%; CRAR: Namra Finance

INR 406 Crore

onsolidated AUM, 4.1% on -book) Disbursement INR 537 Crore (+42% Y-o-Y) Shareholder’s Equity INR 406 Crore* CRAR: Arman (Standalone): 31.64%; CRAR: Namra Finance: 26.32% Asset Quality Return Ratios# GNPA

31.64%

ment INR 537 Crore (+42% Y-o-Y) Shareholder’s Equity INR 406 Crore* CRAR: Arman (Standalone): 31.64%; CRAR: Namra Finance: 26.32% Asset Quality Return Ratios# GNPA: 2.5% NNPA: 0.1% ROAA: 7.8% ROE:

26.32%

-o-Y) Shareholder’s Equity INR 406 Crore* CRAR: Arman (Standalone): 31.64%; CRAR: Namra Finance: 26.32% Asset Quality Return Ratios# GNPA: 2.5% NNPA: 0.1% ROAA: 7.8% ROE: 36.5% Profit Before Tax I

2.5%

CRAR: Arman (Standalone): 31.64%; CRAR: Namra Finance: 26.32% Asset Quality Return Ratios# GNPA: 2.5% NNPA: 0.1% ROAA: 7.8% ROE: 36.5% Profit Before Tax INR 50 Crore (+149% Y-o-Y) Collection Ef

Average Ticket Size

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Average Ticket Size

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Company

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Investor Relations Advisors

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Average Ticket Size

INR 75,000 Ten u r e: 18-24 Mon th s Tenure: 18-24 Mon th s Tenure: 12-36 Months Tenure: 24 Months Company’s wholly owned subsidiary ‘Namra Finance Limited’ offers microfinance to women *% of AUM as of June 2023 17 Microfinance Loans (INR Crore) AUM* Disbursement Total Income Profit After Tax Avg. Ticket Size 1,801 453 120 33 1,159 317 58 10 ( I N R ) 45,000 37,000 Q 1 F Y 2 3 Q 1 F Y 2 4 Q 1 F Y 2 3 Q 1 F Y 2 4 Q 1 F Y 2 3 Q 1 F Y 2 4 Q 1 F Y 2 3 Q 1 F Y 2 4 Q 1 F Y 2 3 Q 1 F Y 2 4 *Includes Individual Business Loans • JLG model with small ticket loans (Avg. Ticket Size – INR 45,000) given to women borrowers for income generating activities such as Livestock, Dairy, Agri allied, Kirana Stores • Operations: Operations in 10 states; 274 MFI branches; 6 lakh active customers • Disbursement: 100% Cashless • • Credit Check: CRIF / Equifax Score; JLG Model with Training, Home Visit, Lifestyle Appraisal Collections: Cash collection at centre meeting • Operating Model: • High touch monthly co

Company

Arman Financial Services Limited CIN: L55910GJ1992PLC018623 Mr. Vivek Modi Chief Financial Officer (CFO) Email : vivek@armanindia.com www.armanindia.com Thank You

Investor Relations Advisors

Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH2010PTC204285 Ms. Krunali Shah / Mr. Abhishek Shah krunali.shah@sgapl.net / abhishek.shah@sgapl.net +91 9820987564 /+91 9930651660 www.sgapl.net 41