Approach for Gradation of Risks

All "Borrower/s" on the loan facility are hereby informed that the company has the following approach and considers the following factors for assessing the gradation of risks for each Borrower:

Profile, financial stability, and market reputation

Credit history (vintage on bureau, bureau profile, repayment across trade lines, enquiry trend etc)

Duration of relationship with the Borrower

Default risk in related customer segment

Income of the customer

Obligation to Income ratio

Geography (location) of the Borrower

Other laws or any other factors on a case-by-case basis, as applicable.

Navi Finserv Limited (Formerly Known as Navi Finserv Private Limited)

2nd Floor, Vaishnavi Tech Square, Iballur Village, Begur Hobli, Bengaluru, 560102