Monthly Business plan - LOANS (FY 10-11) Amt in ` lacs Total Number of Branches and SO Consolidated Numbers (Refer

Buss Plan for Individual Numbers) Product wise list Doctors Loan Income Business Loan Income Personal Loans Income Home Loans Income Loan Against Property Income Loan against Gold Income Total Expected business Through Branches Total Income in Lacs Total Income in Crs 10000000 1% 0.75% 0.50% 2.50% 2.50% 2.50% Month 1 9 0 0.00 62 1.55 20 0.50 197 0.99 0 0.00 0 0.00 279 3.04 0.03 Month 2 9 71 1.78 76 1.90 38 0.95 197 0.99 272 2.04 4 0.04 658 7.69 0.08 Month 3 9 71 1.78 103 2.58 40 1.00 197 0.99 272 2.04 9 0.09 692 8.47 0.08

Month 4 9 103 2.58 152 3.80 60 1.50 354 1.77 302 2.27 15 0.15 986 12.06 0.12

Month 5 9 118 2.95 180 4.50 70 1.75 394 1.97 544 4.08 18 0.18 1324 15.43 0.15

Total

363 9.08 573 14.33 228 5.70 1339 6.70 1390 10.43 46 0.46 3939 46.68 0.47

Loans Consolidated Business Figures FY 10-11

Branches Outlet1 Outlet 2 Outlet 3 Outlet 4 Outlet5 Outlet6 Outlet7 Outlet8 Outlet9 Outlet10 Outlet11 Outlet12 Outlet13 Outlet14 Outlet15 Total

Expected Business Expected Revenue Figures in crs in Crs 5.03 4.23 4.75 4.76 3.90 3.73 0.06 0.05 0.06 0.05 0.05 0.04

3.12 29.52

0.04 0.36

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15

Business Structure Location Outlet 1 Type of Loans 1 Doctors loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size others (lacs) Expected Business from DL Spread Expected Revenue from DL 2 Business Loan (Number of Deals P.M) Average Ticket Size Metro (lacs) Average Ticket Size Others (lacs) Expected Business from BL Spread Expected Revenue from BL 3 Personal Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Others (lacs) Expected Business from PL Spread Expected Revenue from PL 4 Home Loans (Number of Deals P.M) Average Ticket Size (Metro) Lacs Average Ticket Size (other) lacs Expected Business from HL Spread Expected Revenue from HL 5 Loan vs Property (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket size Other (Lacs) Expected Business from LAP Spread Month 1 0 8 0 2.5% 0.00 1 7 7 2.5% 0.18 1 2 2 2.5% 0.05 1 25 25 0.50% 0.13 0 35 0 0.75% Month 2 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Expected Revenue from LAP 6 Gold Loans (Number of Deals P.M) Average Ticket Size Metro (Lacs) Average Ticket Size Metro (Lacs) Expected Business from GL Spread Expected Revenue from GL # to be confirmed 7 Total Business frm Loans (combined) Total revenue Frm Loans (combined) (lacs) (lacs) #

0.00 0 1 0 1% 0.00

0.26 1 1 1 1% 0.01

34 0.35

87 1.05

Manpower Allocation (loans) per branch Total number of deals per person/ P.M Seller Productivity (number of cases)

1 3 3

1 8 8

Type of Loans Doctors Loan Business Loans Personal Loans Home Loans Loan Vs property Gold Loans Weighted Average Commission

Total Contribution vis a vis Business 8% 15% 5% 35% 35% 1% 100%

Ticket Size (lacs) 8 7 2 25 35 1 2.50% 2.50% 2.50% 0.50% 0.75% 1.00% 1.16%

Business Structure

Month 3 1 8 8 2.5% 0.20 2 7 14 2.5% 0.35 2 2 4 2.5% 0.10 1 25 25 0.50% 0.13 1 35 35 0.75%

Month 4 1 8 8 2.5% 0.20 3 7 21 2.5% 0.53 3 2 6 2.5% 0.15 2 25 50 0.50% 0.25 1 35 35 0.75%

Month 5

Month 6

Month 7

Month 8

Month 9

Month 10

Month 11

0.26 1 1 1 1% 0.01

0.26 2 1 2 1% 0.02

87 1.05

122 1.41

1 8 8

1 12 12

Month 12 2 8 16 2.5% 0.40 3 7 21 2.5% 0.53 4 2 8 2.5% 0.20 2 25 50 0.50% 0.25 2 35 70 0.75% 175 0.88 0.60 24 1.93 77 1.00 40

175

0.53 2 1 2 1% 0.02

1.31

6 0.06

167 1.92

497 5.77

1 15 15