Corporate Presentation

By attending the meeting where this Presentation (“Presentation”) is made, or by reading the Presentation materials, you agree to be bound by the limitations contained herein and to maintain absolute confidentiality regarding the information disclosed in this Presentation. Any failure to comply with these terms and conditions may constitute a violation of applicable securities laws. This Presentation is for information purposes only, and is not intended to be an advertisement, and does not constitute or form part of, and should not be construed as any offer or invitation for sale or subscription of, or solicitation or invitation of, any offer to buy or subscribe for any securities, nor shall it or any part of it form the basis of, or be relied on in connection with or act as an inducement to enter into any contract, commitment or investment decision in relation thereto in India or any other jurisdiction. This presentation does not constitute a prospectus, a statement in lieu of prospectus, an offering circular, offering document, information memorandum, an invitation or advertisement, or an offer document under the Companies Act, 2013, together with the rules thereunder, each as amended, the Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021, as amended, or any other applicable law in India. The information set out herein is provided only as at the date of this Presentation (unless stated otherwise), its accuracy is not guaranteed, and it may be subject to updating, completion, revision, verification and amendment without notice and such information may change materially. This presentation is confidential and is intended only for the exclusive use of the recipients thereof, subject to the provisions stated herein, and may not be reproduced (in whole or in part), retransmitted, summarized or distributed by them to any other persons without the Company’s prior written permission. This Presentation is based on the economic, regulatory, market and other conditions as in effect on the date hereof. Neither of A.K. Capital Services Limited and JM Financial Limited, (together the “Lead Managers or the “LMs”), the Company and its subsidiary (together “Navi”) nor any of their respective affiliates, shareholders, directors, employees, agents, officers, advisors or representatives (together the “Representatives”) make any express or implied representations or warranties as to, and no reliance should be placed on, the fairness, accuracy, completeness, authenticity or correctness of the information, or opinions contained herein, and none of them shall have any responsibility or liability whatsoever (for negligence or otherwise, including any third party liability) for any loss or damage (including consequential loss or damage) howsoever arising from any use, reliance or distribution of this Presentation or its contents or otherwise arising in connection with this Presentation. The information contained in this Presentation has not been, and will not be, updated to reflect material developments which may occur after the date of the information contained in the Presentation. It should be understood that subsequent developments may affect the information contained in this Presentation, which neither the Company nor its advisors or representatives are under an obligation to update, revise or affirm. This document is a summary only and it is not the intention to provide, and you may not rely on these materials as providing, a complete or comprehensive analysis of the financial or trading position or prospects of the Company. This Presentation has not been and will not be reviewed or approved by any statutory or regulatory authority in India or any stock exchange in India or any other jurisdiction. You should conduct such independent investigations and analysis of the Company as you deem necessary or appropriate in order to make an independent determination of the suitability, merits and consequences of investments in the Company. Any investment decision with respect to any securities of the Company must be made solely on the basis of the prospectus (as defined under the Companies Act, 2013 as amended) filed with Registrar of Companies, Karnataka at Bangalore (“Prospectus”). 

This Presentation contains certain “forward looking statements”. All such forward looking statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those contemplated by the relevant forward looking statement. Such forward looking statements are made based on management’s current expectations or beliefs as well as assumptions made by, and information currently available to, management. By their nature, forward looking statements involve risk and uncertainty because they relate to events and depend on circumstances that will occur in the future. Any investment in securities issued by the Company will also involve certain risks. There may be additional material risks that are currently not considered to be material or of which the Company, the LMs and any of their Representatives are unaware. Against the background of these uncertainties, readers should not rely on these forward looking statements. Neither the Company, the LMs nor any of their Representatives assume any responsibility to update forward looking statements or to adapt them to future events or developments.

This Presentation includes certain external industry data and projections that have been obtained from industry publications, surveys and forecasts. Accordingly, the Company and its respective affiliates, advisers and representatives make no representation as to the accuracy or completeness of that data, and this data involves risks and uncertainties and is subject to change based on various factors. No representation or claim is made that the results contained in this Presentation will actually be achieved. All industry data contained in this Presentation is based on data obtained from the sources cited and involve significant elements of subjective judgment and analysis, which may or may not be correct
The information contained in this Presentation is not to be taken as any recommendation made by the Company or any other person to enter into any agreement with regard to any investment. You will be solely responsible for your own assessment of the market and the market position of the Company and you will conduct your own analysis and be solely responsible for forming your own view of the potential future performance of the business of the Company. It should be understood that subsequent developments may affect information contained in this Presentation, which neither the Company, nor its affiliates, advisors or representatives are under an obligation to confirm. This Presentation is based on information regarding the Company and the economic, regulatory, market and other conditions as in effect on the date hereof. Subsequent developments may affect the information contained in this Presentation, which neither the Company, the LMs nor any of their Representatives are under an obligation to update, revise or affirm.

This Presentation and its contents are confidential and may not be taken away, copied, published, disseminated, or reproduced or redistributed or passed on directly or indirectly to any other person, whether within or outside your organization or firm, or published in whole or in part, for any purpose by recipients directly or indirectly to any other person. This document is a Presentation and is not and should not be construed as an offer letter, offering circular, offering document, draft prospectus, invitation, advertisement or prospectus as defined under the Indian Companies Act, 2013 as amended and the SEBI (Issue and Listing of Non-Convertible Securities) Regulations, 2021, as amended or any other applicable law in India. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. The Lead Managers, directly and/ or through its affiliates, is acting for the Company and not for the recipient of this document, and the receipt of this document by any recipient is not to be taken as the giving of investment advice by the Lead Managers or their affiliates to that recipient, nor to constitute such person a customer or client of the Lead Managers or their affiliates. Accordingly, the Lead Managers and their affiliates will not be responsible in any manner whatsoever to the recipient for, including but not limited to, providing protections afforded to its customers or clients or advising the recipient in relation to any potential transaction.

The Company is proposing, subject to receipt of requisite approvals, market conditions and other considerations, to make a public offer of secured, rated, listed, redeemable, non-convertible debentures and has filed the Prospectus dated May 12, 2022 with the Registrar of Companies, Karnataka, at Bangalore, in accordance with the Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021. The Prospectus will be made available on the website of the SEBI at www.sebi.gov in as well as on the websites of the LMs, and the websites of the stock exchange(s) at www.bseindia.com and www.nseindia.com, respectively. Any potential investor should note that investment in debt securities involves a high degree of risk and for details relating to such risk, see “Risk Factors” of the Prospectus. Potential investors should not rely on the Draft Prospectus dated April 18, 2022 for any investment decision.

By attending this Presentation and/ or accepting a copy of this document, you agree to be bound by the foregoing limitations and conditions and, in particular, will be taken to have represented, warranted and undertaken that: (i) you have read and agree to comply with the contents of this notice including, without limitation, the obligation to keep this document and its contents confidential; (ii) you will not at any time have any discussion, correspondence or contact concerning the information in this document with any of the directors or employees of the Company or its subsidiary nor with any of their customers or suppliers, or any governmental or regulatory body without the prior written consent of the Company; and (iii) you agree not to remove or copy this document, or any materials provided in connection herewith.

I Confirm