MANAGEMENT COMMENTARY 1. Business Growth & Strategy • Strong YoY growth driven by deeper customer penetration and stable credit environment. • Focus remains on scaling in existing markets before expanding into new geographies. • Strategy: “Penetrate before expand” to optimize growth and cost efficiency. 2. Tech & Digitization Push • Building a web-based app for Business Correspondents (BCs). • Implementing Salesforce Marketing Cloud to enhance lead management. • WhatsApp-based messaging to improve collections and customer engagement. 3. Product & Market Expansion • Expanding focus in 2W/3W and EV financing, especially in Tier 2/3 cities. • New tie-ups for used 2W/4W loans to diversify product mix. • EV financing expected to be a key growth pillar amid rising fuel prices.

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