Arman Financial Services Limited

INR 2,280 Crore

ed to A | stable outlook by Acuite Ratings in August 2024 Assets Under Management Disbursement INR 2,280 Crore (-6.5% Y-o-Y) INR 1,170 Crore (-28.2% Y-o-Y) Shareholder’s Equity INR 859 Crore CRAR: Arman

6.5%

look by Acuite Ratings in August 2024 Assets Under Management Disbursement INR 2,280 Crore (-6.5% Y-o-Y) INR 1,170 Crore (-28.2% Y-o-Y) Shareholder’s Equity INR 859 Crore CRAR: Arman (Standal

INR 1,170 Crore

e Ratings in August 2024 Assets Under Management Disbursement INR 2,280 Crore (-6.5% Y-o-Y) INR 1,170 Crore (-28.2% Y-o-Y) Shareholder’s Equity INR 859 Crore CRAR: Arman (Standalone): 39.5%; CRAR: Namra

28.2%

2024 Assets Under Management Disbursement INR 2,280 Crore (-6.5% Y-o-Y) INR 1,170 Crore (-28.2% Y-o-Y) Shareholder’s Equity INR 859 Crore CRAR: Arman (Standalone): 39.5%; CRAR: Namra : 45.7%

INR 859 Crore

ursement INR 2,280 Crore (-6.5% Y-o-Y) INR 1,170 Crore (-28.2% Y-o-Y) Shareholder’s Equity INR 859 Crore CRAR: Arman (Standalone): 39.5%; CRAR: Namra : 45.7% Profit Before Tax Profit After Tax INR 56

39.5%

) INR 1,170 Crore (-28.2% Y-o-Y) Shareholder’s Equity INR 859 Crore CRAR: Arman (Standalone): 39.5%; CRAR: Namra : 45.7% Profit Before Tax Profit After Tax INR 56 Crore (-65.5% Y-o-Y) INR 39

45.7%

(-28.2% Y-o-Y) Shareholder’s Equity INR 859 Crore CRAR: Arman (Standalone): 39.5%; CRAR: Namra : 45.7% Profit Before Tax Profit After Tax INR 56 Crore (-65.5% Y-o-Y) INR 39 Crore (-68.0% Y-o-Y

INR 56 Crore

Crore CRAR: Arman (Standalone): 39.5%; CRAR: Namra : 45.7% Profit Before Tax Profit After Tax INR 56 Crore (-65.5% Y-o-Y) INR 39 Crore (-68.0% Y-o-Y) Provisions and Write offs INR 175 Crore Cumulati

65.5%

n (Standalone): 39.5%; CRAR: Namra : 45.7% Profit Before Tax Profit After Tax INR 56 Crore (-65.5% Y-o-Y) INR 39 Crore (-68.0% Y-o-Y) Provisions and Write offs INR 175 Crore Cumulative Provisi

INR 39 Crore

: 39.5%; CRAR: Namra : 45.7% Profit Before Tax Profit After Tax INR 56 Crore (-65.5% Y-o-Y) INR 39 Crore (-68.0% Y-o-Y) Provisions and Write offs INR 175 Crore Cumulative Provisions stood at INR 138.

68.0%

mra : 45.7% Profit Before Tax Profit After Tax INR 56 Crore (-65.5% Y-o-Y) INR 39 Crore (-68.0% Y-o-Y) Provisions and Write offs INR 175 Crore Cumulative Provisions stood at INR 138.9 Crore as

INR 175 Crore

fter Tax INR 56 Crore (-65.5% Y-o-Y) INR 39 Crore (-68.0% Y-o-Y) Provisions and Write offs INR 175 Crore Cumulative Provisions stood at INR 138.9 Crore as on 31st December 2024 (covering 6.0% of the con

“• As on 31st December 2024, GNPA for the MSME business stood at 3.43% and for 2W business stood at 4.03% • Standalone: Cumulative Provisions stood at INR 25.69 Crore as on 31st December 2024 (covering 5.01% of the AUM, 5.07% on-book) • Q3 FY25, Pre-Provisioning Operating Profit has grown by 67% Y-o-Y to Rs.”

Average Ticket Size

4

Average Ticket Size

1

Investor Relations Advisors

1

Average Ticket Size

INR 74,000 Tenur e: 18 -24 Mon th s Tenure: 24 Months Tenure: 12-36 Months 0.9% Loan Against Property (LAP)

Average Ticket Size

INR 82,500 Tenure: 36-84 Months Tenure: 24 Months Company’s wholly owned subsidiary ‘Namra Finance Limited’ offers microfinance to women % of AUM as of December 2024 16 Microfinance Loans (INR Crore) AUM* Disbursement Total Income Profit After Tax Avg. Ticket Size 2,046 1,768 1,362 383 402 100 839 46,500 47,000 ( I N R ) 8 9 M F Y 2 4 9 M F Y 2 5 9 M F Y 2 4 9 M F Y 2 5 9 M F Y 2 4 9 M F Y 2 5 9 M F Y 2 4 9 M F Y 2 5 9 M F Y 2 4 9 M F Y 2 5 *Includes Individual Business Loans • JLG model with small ticket loans (Avg. Ticket Size – INR 47,000) given to women borrowers for income generating activities such as Livestock, Dairy, Agri allied, Kirana Stores • Operations: Operations in 11 states; 392 MFI branches; ~6.56 lakh active customers • Operating Model: • High touch monthly collection model • Rural concentration: ~89.98% rural & semi-urban portfolio (vs 75% for MFI industry) • Conservative risk framework • • • 100% Cashless disbursement JLG groups formed by customers themselves Loan ut

Investor Relations Advisors

Arman Financial Services Limited CIN: L55910GJ1992PLC018623 Mr. Vivek Modi Chief Financial Officer (CFO) Email : vivek@armanindia.com www.armanindia.com Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH2010PTC204285 Mr. Abhishek Shah abhishek.shah@sgapl.net +91 9930651660 www.sgapl.net