Our Company proposes to utilize the Net Proceeds from the Fresh Issue towards augmenting our Company’s Tier – I Capital base to meet our Company’s future capital requirements including onward lending, arising out of the growth of our business. Further, a portion of the proceeds from the Fresh Issue will be used towards meeting Offer Expenses.

We are one of the leading, diversified retail-focused non-banking financial companies (“NBFCs”) in India interms of Total Gross Loan book size, according to the CRISIL Report. Our Company is categorized as an UpperLayer NBFC (NBFC-UL) by the RBI. We offer a large portfolio of lending products that cater to a growing anddiverse customer base through a wide omni-channel distribution network. Our lending products are offeredthrough our three business verticals: Enterprise Lending, Asset Finance and Consumer Finance. We believe thatthe success of our business model and operating philosophy is evidenced by our strong and sustained growth andprofitability metrics. Our Total Gross Loans stood at ?986.2 billion as at September 30, 2024, reflecting a CAGRof 20.93% between March 31, 2022 to September 30, 2024. Our assets under management stood at ?902.3 billionas at March 31, 2024 reflecting a CAGR of 21.18% between Fiscal 2022 and Fiscal 2024. In Fiscal 2024, wegenerated a profit after tax of ?24.6 billion, which reflected a CAGR of 55.98% between Fiscal 2022 and Fiscal2024. Our Total Gross Loans growth, operating efficiencies and strong asset quality helped us deliver Return onAverage Assets of 3.03% and Return on Average Equity of 19.55% for Fiscal 2024, which is one of the highestamongst our NBFC peers, according to the CRISIL Report.