Vision: Values: About Us. Integrity Customer Centric Responsible Lending Trustworthy

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2 About Us Fintech NBFC, focussed on fuelling business growth for SME s, having the vision to be a significant player in lending space across retail segments. Our objective is to provide finance for maximizing the productivity of SMEs using technology as the platform and effective tools to assess precise requirements of our clients. We distinguish as one of the fastest growing and adequately funded NBFC in India with the right set of products to serve SMEs. At Finmax, we work with a passion for developing product and technology that are customer friendly, deploy Unique Credit Evaluating Surrogates for a faster Credit decision, making the borrowing experience trustworthy. Our presence is in Maharashtra, Delhi NCR, Gujarat, Rajasthan, Madhya Pradesh and Punjab. Vision: Become a significant SME lender, leveraging technology with unwavering commitments towards our values. Values: Integrity Customer Centric Responsible Lending Trustworthy

3 Strength Business Segment and Approach Segment Focused (SME) Cash flow based lending rather than program based lending Unique Credit Evaluation based on Surrogates Capitalization Adequately capitalized from inception Credit & Risk MD & CEO with over 25 years in Credit for SME lending, having worked with Yes Bank and Standard Chartered Bank. Strong Second line & Branch level Credit teams Granular ticket size serving diverse SMEs Risk based pricing rather than product based pricing Process Sourcing through partnership, relationship and digital models. Business through Finmax FOS < 30% ; Partnerships & Digital > 70% End to end Digital Process - geo based mobility for sourcing, algorithm based credit score, digital movement of CAM, NACH based EMI collection and automated collection

4 Sustainable SME Lending Segment focused strategy Underserved Micro and Small Enterprises Tier II, III & IV towns and semi urban areas Focus on geographies based on high potential presence of SMEs Scale up Market Presence in Phases: Phase 1 Mumbai far suburbs Phase 2 Expanding to DMIC corridor Phase 3 Pan India 25 Key SME growth clusters Strong and experienced underwriting team with functional expertise in cash flow assessment and business expertise in focus segments Lending Approach Build Efficiency for faster TAT Responsible Lending Target Micro and Small Traders and Retailers with ticket sizes up to INR 5 M Lending solutions to larger SMEs with ticket sizes up to INR 20 M Products portfolio based on customer needs. Leverage Cross Sell opportunities Comprehensive underwriting process covering SME s business model/ cash flows/ promoters / management / collaterals. Deep knowledge of business fundamentals to drive income assessment using surrogates in the absence of financial documents Liability Management Create a diverse mix of conventional liability sources Based on reasonable starting capital base, strong treasury function and strong commitment from investors. Access new sources of finance Enhance ratings through close partnerships with rating agencies, diverse and secure lending books Enhance RoE progressively by leverage

5 Our Journey Q1 FY17 Q2 FY17 Q3 FY17 Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 QTD FY19 Mr Sanjay Agarwal joins the company Management team formed Commencement of business from Mumbai Office Set up of Saki Naka & Mira Road Branch Set up Ahmedabad & Indore Branch Business Operations expanded to NCR Additional Share Capital Bank Debt Raised LOS & LMS go Live Employee base > 100 Hiring for New Branch Set up of Jaipur Branch Rating of BBB Stable Achieved NCD Placement Employee Base > 150 AUM > 200Cr System and technology automation in place Our Presence 1. Mumbai (Sakinaka, Mira Road) 2. Delhi NCR 3. Indore 4. Ahmedabad 5. Jaipur 6. Ludhiana (Franchise) 7. Thane (Kalyan) 8. Himmatnagar 9. Banswara Experienced Team of 150+ from BFSI

6 Sourcing Strategy CRM / Cross Sell Serving SME Value Chain E- Sourcing Lead Direct Franchise Relationship (B2C) Alliances & Tie Ups (B2B) Intermediaries / DSAs 75% PSL Classification Customer Centric Value Proposition

7 Product Suite Secured Loans Unsecured Loans Structured Finance Lease Rental Discounting Loans up to INR 20 Mn Tenure upto 15 years Residential/Commercial Properties Presence in Urban/Semi Urban Towns Loans upto INR 2.50 Mn Tenure upto 4 years PGs/Security PDCs as security Presence in Urban/Semi Urban Towns Working Capital Term Loans(WCTL) Receivable Discounting Bill Discounting Debt Syndication Services Presence in Tier-1 & 2 Towns only

8 Sample Profiles Profile 1 Profile 2 Profile 3 Profile 4 Small hardware Store owner Wife also runs a small business Family Income: INR 1.5 Lacs per month Debt Profile : Credit tested customer with borrowings from Bank / NBFC Medical Shop owner Wife also runs small business e.g. boutique Family Income: INR 75K per month Debt Profile :May have borrowings from Bank/NBFC Owner of a General Merchant (Kirana store ) Family involved in same business Family Income: INR 60K- 70K per month Debt Profile : Mostly Private lenders Private Doctor Clinic Wife also doctor / other business / house wife Family Income: INR 1 Lac per month Debt Profile: Home Loan, Medical equipment loan from Bank

9 Digitization Mobile Workforce MIFIN LOS KYC Check Web Third Party Application Sanction / Reject Fraud Check Bureau Check Payment Bank LMS Perfios Check Collections Module

10 Management Team Sanjay Agarwal, MD & CEO Sanjay, is a Chartered Accountant & Cost Accountant (Rank holder) with over 25 years comprehensive experience in SME lending, having worked with SBI, SIDBI, SCB & Yes Bank. He was instrumental in launching Business Loans at Standard Chartered Bank in 2004, based on unique risk grading & rating model. Sanjay was heading SME Banking Business at Yes bank, before taking over Finmax. He was conferred with Professional Achiever s (Financial Sector) Award 2010 for his exceptional achievements as a professional by Institute of Chartered Accountant of India (ICAI) and Certificate of Recognition for enhancing the brand image of ICAI, in Sameer Shimaria, Business Head Over 20 years of experience in the areas of Sales & Marketing, Business Development, and Distribution. Previous stints with Incred Finance, Yes Bank, HDFC Bank, ICICI Bank. Science Graduate from Mumbai University. Hemanshu Parekh, Head Credit & Risk Over15 years of experience in Credit & Risk management. Previous stint with HDFC Bank. Commerce Graduate from Mumbai University and Qualified Chartered Accountant from ICAI. Deepak Shah, Head - Distribution Over 25 years of experience in Sales & Distribution in Lending Business. Previous stints with GE Capital, ICICI Bank & HDB. Post Graduate Commerce from Mumbai University and PG Diploma in Business Management.

11 Key Management Personnel Vikram Manwani, Head - Structured Finance & Supply Chain Over 10 years of experience in BFSI with expertise in Structured Finance. Previous stints with YES Bank & RBS. Commerce graduate from Indore University, and MBA in International Business. Urvi Patel, Head - Treasury Over 7 years of experience in BFSI with expertise in fund raising and treasury management. Previous stints with Angel Broking, Axis Finance and Star Agri Finance. Commerce Graduate from Mumbai University and Qualified Chartered Accountant from ICAI. Yogita Harwande, Head - Human Resources Over 15 years of experience in HR. Previous stints with Medusind Solutions and VIP Group. Commerce Graduate from Mumbai University with MMS in HR. Bala Chendil, Head Digital Transformation Over 20 years of experience in BFSI with expertise in managing Branch & Direct Channels. Previous stints with Fintech Start-up, Dhanlaxmi Bank, Tata AIG & ICICI Bank. Engineering Graduate with PG Diploma in Business Administration. Qualified Chartered Financial Analyst from ICFAI.

12 Contact Us Locations Maharashtra Address 2 nd Floor, The Crescent Business Bay Sakinaka, Andheri East, Mumbai Office No. 511, 5th floor Above Brand Factory, Pleasant Park, Mira Bhyander Road East Corporate Office 223, The Summit Business Bay, Near Western Express Highway Metro Station, Andheri Kurla Road,Andheri (East) Mumbai Board Number: enquiry@finmaxfinance.com Website : ww.finmaxfinance.com Gujarat Rajasthan Madhya Pradesh Delhi NCR Punjab (Franchise) Office No. G20 Sarvoday Mall, Opp. APMC Market Kalyan W , Samedh Complex, Adjacent Associate Petrol pump, C G Road, Ahmedabad Mepal Crystal, Plot No. 1,2 First Floor, Shop No. 106, Kankrol, Himmatnagar Office No. 402, Fourth Floor, City Corporate, Malviya Marg, C-Scheme, Jaipur , First Floor Near RBL Bank, Mohan Colony, Banswara Office No. 302, Vibrant Business Tower, House No. 9A&9B, A.B Road, Indore , Vikram Tower, Rajendra Palace, New Delhi & 23, Nehru Sidhant Kendar, Feroze Gandhi Market, Ludhiana