INTEREST RATE POLICY

The interest rates charged by the Company are determined after considering various factors including:

• Cost of funds
• Borrower profile and creditworthiness
• Risk assessment
• Market conditions
• Nature and tenure of the facility
• Operational and regulatory costs

The Company follows a transparent policy regarding:

• Interest rates
• Processing fees
• Penal charges
• Other applicable charges

The applicable terms and conditions are communicated to customers at the time of sanction of financial facilities.