Investor Presentation

Q2FY23

BEYOND BANKING
When you bank with us, you contribute towards a better society.
Disclaimer
Disclaimer:

The information in this document, including facts and figures, is being provided by Equitas Small Finance Bank Limited (the “Bank”) for informational purposes only and could be
subject to change without notice. The information has also not been independently verified. No representation or warranty, express implied, is made as to the accuracy, completeness
or fairness of the presentation and the information contained herein and no reliance should be placed on such information. The Bank or any other parties whose name appears herein
shall not be liable for any statements made herein or any event or circumstances arising therefrom.

This presentation or any part of it or the fact of its, form the basis of, or be relied on in connection with, any contract or commitment therefore. This document has not been and will
not be reviewed or approved by any statutory or regulatory authority in India or any other jurisdiction or by any stock exchanges in India or elsewhere This document and the
contents hereof are restricted for only the intended recipient(s). This document and the contents hereof should not be (forwarded or delivered or transmitted in any manner
whatsoever, to any other person, other than the intended recipients(s) or reproduced in any manner whatsoever. Any forwarding, distribution or reproducing of this document in
whole or in part is unauthorized.

Forward Looking Statements:

Certain statements in this document with words or phrases such as “ will”,“ etc. and similar expressions or variation of these expressions or those concerning our future prospects are
forward looking statements. Actual results may differ materially from those suggested by the forward looking statements, due to a number of risks or uncertainties associated with
the expectations. These risks and uncertainties include, but not limited to, our ability to successfully implement our strategies, change in government policies etc. The Bank may, from
time to time, make additional written and oral forward looking statements, including statements contained in the Bank’s filings with the stock exchanges and our reports to
shareholders.

The Bank does not undertake to update any forward looking statements that may be made from time to time by or on behalf of the Bank.

GNPA ,NNPA & Gross Advances across the presentation refers to GNPA, NNPA & Gross Advances including IBPC sold

2
Table of Contents

1. Key Highlights

2. Financial Performance

3. Advances

4. Liabilities & Branch Banking

5. Digital Banking

6. Financials

7. Sustainability and Awards

3
Key Highlights

4
 Snapshot
Operational Asset Offerings Liability Profile Financials

Gross Advances: Total Deposits: PAT for Q2FY23:

18 States and UTs Rs. 22,779 Cr [Rs. 18,978 Cr] Rs. 21,726 Cr [Rs. 18,094 Cr] Rs. 116 Cr [Rs. 41 Cr]
SBL- 38%, VF - 25%, CASA – 48%, TD – 52%
MFI- 18%, HF- 9% ,
MSE – 5%, NBFC – 3%
Disbursements^ for Q2FY23: Third Party Products:
887 Banking Outlets Shareholders funds
Rs. 3,845 Cr [Rs. 3,145 Cr] Premium Collected for Q2FY23
CRAR –23.08%
345 ATMs* SBL – 29%, VF - 29%, MFI – Rs. 38 Crs [Rs 31 Cr]
Tier I – 22.55%
25%, HF- 10% , MSE – 2%, Mutual Fund AUM
Tier II – 0.53%
NBFC – 4% Rs. 206 Cr [Rs. 170 Cr]
Asset Quality: Daily Average Cost of NIM for Q2FY23:
285 Business
GNPA: 3.82% [4.64%] Funds for Q2FY23: 9.00% [8.14%]
Correspondents NNPA: 1.93% [2.37%] 6.25% [6.81%]
PCR: 50.49% [50.09%] SA – 6.28%, TD – 6.49%

Yield on Advances: CASA Ratio: RoA: Q2FY23 at 1.60% [0.65%]

18,962 employees 17.10% for Q2FY23 [17.75%] 48.13% [45.31%] RoE: Q2FY23 at 10.57% [4.79%]

Figures in [] represent Q2FY22 data | *Including 342 onsite and 3 offsite ATMs ^Disbursement excludes Rs 183 Crs under the TReDS platform in Q2FY23

5
Business Highlights
Asset Updates Liabilities Updates
Small Business Loans • Elite book consisting of Savings account plus Term Deposits crossed Rs.
• Piloted new age Loan Origination System (LOS) for Small 10,000 Crs with 75,000+ accounts from 60,000+ Family relationships
Business Loans in select branches. This aims to improve • Continued focus on Individual SA segment has resulted in its mix
sales productivity and improve disbursement TATs improving to 84% of SA portfolio
• Continued to scale-up Merchant OD product – limit set • TD Sweep Product for Current Account is seeing a good traction with
increased from Rs. 50 Cr in Q1FY23 to Rs. 100 Cr in Q2FY23 1200+ Customers registered and portfolio crossing 100 Crs
• Managing more than 1 Lac Customers through Virtual Relationship
Vehicle Finance Management Channel with sharp uptick in relationship value
• Achieved highest ever quarterly disbursement in Q2FY23 • Corporate Salary Account business is growing in a healthy pace with
• Continued to scale up Used Car business – disbursements 1,200+ Corporate relationships on boarded
increased by 49% YoY • With RBI directions on NRE Term deposits - Exemption from
• Increased our penetration in existing markets & expanded maintenance of CRR/SLR, deposit mobilization from Non-Resident
to new geographies – UP & Kerala customers showed good traction in Q2
• SA mobilized though digital channel crossed 900 Crs and it contributes
to ~ 10% of our SA Portfolio
Housing Finance
• Tied up with HDFC Securities for 3-1 Account, this tie-up offers an
• Continued to increase our penetration – disbursements opportunity to provide its customer with additional investment avenues
increased 46% QoQ

6
 Profit & Loss
• Net Interest Income for Q2FY23 at Rs. 610 Cr as against Rs. 484 Cr in Q2FY22.Growth of 26% YoY. NIM at 9.00%
• PPoP as a % of assets expanded to 3.33% from 3.14% YoY
• PAT for Q2FY23 at Rs. 116 cr as against Rs. 41 Cr in Q2FY22

Asset Quality, Provisioning & Restructuring

• Annualised Credit Cost at 1.62%, excluding one time impact* at 1.35%
• Non restructured 31-90 pool as of Sept’22 at comfortable levels of 3.49%
• GNPA at 3.82% in Q2FY23 as compared to 3.95% in Q1FY23 and 4.64% in Q2FY22
• NNPA at 1.93% in Q2FY23 as compared to 2.07% in Q1FY23 and 2.37% in Q2FY22
• Provision coverage ratio improves to 50.49% from 48.46% in Q1FY23

Strong Capital Buffer

• As of Sept 30, 2022 Total CRAR at 23.08% | Tier I at 22.55% and Tier II at 0.53%

*One time impact on account of complying with FAQ issued by RBI (updated Aug 22) wrt. Covid restructured loans | https://www.rbi.org.in/Scripts/FAQView.aspx?Id=137

7
Restructured Loans - Update
As of 30th Sept 2022 Rs. Cr • Restructured loans as a % of gross advances down
Buckets MF CV SBL & HF MSE Total from 9.76% in Q3FY22 to 4.33% in Q2FY23
Standard 44 125 135 16 320 • X Bucket Restructured Loans at 1.40% of
1 to 30 Days 8 76 30 8 121 gross advances
• NPA out of Restructured Loans at 1.11% of
31 to 60 Days 8 86 49 18 162
gross advances
61 to 90 Days 31 43 49 7 130 • Restructured Delinquent Loans which are
NPA 14 108 121 10 253 not NPA at 1.81% of gross advances
Total 105 438 384 59 986

Particulars Rs. Cr
Provision on Standard Assets 67.61
Additional Provision on Standard Assets 8.55
Provision on Restructured Standard Assets 95.14
Provision for Non-Performing Assets 439.38
Total 610.68

8
Our Presence States
Andhra Pradesh
Advances (%)
2%
Deposits (%)
2%
Chandigarh 0.04% 3%
Chhattisgarh 1% 2%
Delhi 1% 8%
Gujarat 5% 6%
Haryana 3% 5%
Himachal Pradesh 0.09% -
Karnataka 10% 10%
Kerala 0.07% 1%
Madhya Pradesh 3% 4%
Maharashtra 13% 13%
Pondicherry 1% 1%
Punjab 2% 5%
Rajasthan 4% 5%
Tamil Nadu 53% 31%
Telangana 2% 2%
Uttar Pradesh 0.46% 2%
Uttarakhand 0.24% -
Map not to scale . Districts present in | Branch network
9
Financial Performance – Quarterly Trends

10
Key Ratios
Daily Avg Cost of Funds Net Interest Margin (NIM) Cost to Assets RoA

6.81% 9.10% 9.12% 9.05%

9.00%
6.63%
6.47% 6.16% 6.45% 1.70% 1.83%
5.73% 5.97% 1.40%
1.60%
6.20% 6.20% 6.25% 8.14%
0.65%

Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23

Credit Cost GNPA & NNPA Provision Coverage Ratio RoE

GNPA NNPA

3.09% 4.64% 4.39% 50.49%

4.06% 3.95% 3.82% 50.09%
2.68% 48.46% 12.27%12.21%
2.45% 10.57%
46.81% 9.03%
1.62% 1.62%
4.79%
42.73%

2.37% 2.38% 2.37% 2.07% 1.93%

Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23

11
Income Evolution
Net Income Evolution (Rs. Cr) PPoP/ Assets (%)

4.35%
3.87%
581 610 3.52% 3.33%
541 552 3.14%
484

100 95 104 100 115

Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23
NII Other Income (Net) PPoP as a % of assets

2.0 0%
Other Income [Net] Contribution (%) Other Income Break up (%)

6% Liabitlities Segment
1.5 0%

1.0 0%
1.55% 1.50% 1.54% 1.44% 1.58% 21% Fee Income
0.5 0%
Asset Segment Fee
Income
0.0 0%

Treasury & PSLC

-0.50%
Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 73%
Non Interest Income as % total Assets

12
Opex evolution
Rs. Cr Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23
Employee expenses 228 240 209* 225# 275
Other expenses (net of digital expenses) 144 152 148 169 187
Depreciation 19 19 17 18 21
Total Operating expenses 391 411 374 412 483
No. of employees 17,441 17,509 17,607 17,936 18,962

Cost to Income(%)
66.27% 66.58%
64.67%
60.60%
56.85%

Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23

*Reversal of excess provision for gratuity and leave salary of Rs 30.63 Cr. during the quarter
#Reversal of employee provision of Rs. 31 Crs created on account of Covid policy and performance incentives

13
Advances

14
Advances evolution
Rs Cr Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 YoY % Contribution %

Micro Finance 3,438 3,695 3,907 4,007 4,144 21% 18%

Small Business & Agri Loans 7,421 7,609 7,881 8,234 8,725 18% 38%

Housing Finance 1,175 1,310 1,641 1,821 2,121 80% 9%

Vehicle Finance 4,670 4,846 5,047 5,279 5,641 21% 25%

Used CV 2,997 3,127 3,193 3,303 3,491 16% 15%

New CV 1,673 1,719 1,854 1,976 2,150 29% 9%

MSE Finance 1,170 1,194 1,164 1,122 1,157 -1% 5%

NBFC 908 817 758 692 709 -22% 3%

Others† 196 217 199 533 282 44% 1%

Gross Advances 18,978 19,687 20,597 21,688 22,779 20% 100%

† Others includes loan-against-gold, unsecured business loans, overdrafts against fixed deposits ,staff loans and reverse repo of more than 14 days

15
Disbursements evolution
Rs Cr Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 YoY %

Micro Finance 938 1,010 972 939 971 4%

Small Business and Agri Loans 951 728 940 978 1,096 15%

Housing Finance 203 177 267 266 388 91%

Vehicle Finance 782 778 940 889 1,098 40%

Used CV 523 512 617 579 717 37%

New CV 259 266 323 310 381 47%

MSE Finance 98 54 72 73 77 -21%

NBFC 136 50 28 30 135 -1%

Others† 37 64 60 63 80 116%

Total Disbursements 3,145 2,861 3,279 3,238 3,845 22%

† Others includes loan-against-gold, unsecured business loans, overdrafts against fixed deposits and staff loans
* Disbursement excludes Rs 185 Crs & Rs 183 Crs under the TReDS platform in Q1FY23 & Q2FY23 respectively

16
Segmental Details
Number of Live ATS @ ATS @
Product Segment GNPA (%) PCR (%)
Loans Disbursement (Lacs) Portfolio (Lacs)
Micro Finance 18,54,906 0.40 0.22 4.63% 55.14%

Small Business Loans 2,31,380 6.30 3.77 4.19% 37.81%

Housing Finance 25,102 11.15 8.45 1.17% 33.25%

Vehicle Finance 1,76,442 5.20 3.20 3.65% 75.99%

MSE Finance 3,205 55.04* 36.09 6.29% 31.64%

NBFC 41 1,921 1,730 0.67% 100%

SBL Product Mix VF Product Mix

9% 8%
G LAP
33% UCV
M LAP
NCV
38% BL 38% 54%
Used Car
Agri
20%

*Excludes disbursement under the TReDS platform

17
 Asset Quality Trend
950 .00

4.64% 4.39% 5.0 0%

3.95% 3.82%
850 .00

4.06% 4.0 0%

750 .00

650 .00

2.37% 2.38% 2.37% 2.07%

3.0 0%

550 .00
1.93%
2.0 0%

450 .00

350 .00
479.47 1.0 0%

250 .00

0.0 0%

150 .00

880.82 439.64 863.82 459.42 837.18 856.00 441.22 870.26 430.88

50.0 0 -1.00%

Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23

GNPA (Rs. Cr) NNPA (Rs. Cr) GNPA % NNPA %

GNPA Movement (Rs. Cr) Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23

Opening GNPA Balance 816.17 880.82 863.82 837.18 856.00 Previous
Add: Additions during the period 339.08 266.82 408.56 296.03 314.01 quarters do
not include
Less: slippages and
upgrades
i. Upgradations 186.61 68.64 109.88 51.75 136.67 within each
ii. Recoveries (excluding recoveries made from upgraded month
65.47 80.28 133.62 95.64 81.73
accounts)
iii. Technical or Prudential write-offs 7.15 102.46 105.62 95.95 58.58
Write-offs other than those under (iii) above 15.20 32.45 86.08 33.87 22.76
Closing GNPA Balance 880.82 863.82 837.18 856.00 870.26

18
Liabilities & Branch Banking

19
Deposits Evolution
CA SA CASA TD CASA+TD
as on 30 Sept 2022 [Customer Deposits]
[Current Account] [Savings Account] [Low cost deposits] [Term Deposits]
Balance (Cr) 659 9,797 10,456 11,270 21,726
as a % of total borrowings (Rs. 24,065 Cr) 3% 41% 43% 47% 91%
as a % of total deposits (Rs. 21,726 Cr) 3% 45% 48% 52% 100%

Customer Deposit Evolution (Rs. Cr)

11,270
9,894 9,863 9,838 9,797
8,554 8,799 9,083 9,095
7,696

504 531 772 685 659

Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23

CA SA TD

20
Customer Deposit Profile
Elite Book (Rs. Cr) Savings Slab Wise (%) Deposit Category
3% 1% 5% OTHERS 6%
10,122 Upto 1 Lac
8,988
8,119 1 Lac to 1 Cr
23%
5,351 6,120 1 Cr to 10 Cr TRUSTS 4%
10 Cr to 100 Cr
67% 100 Cr +
GOVT./LOCAL
Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23 BODIES 5%

Retail & Bulk TD Mix Term Deposit Slab Wise (%)

PVT.CORPORATES 7%
10%
32% 20% 22% 28% 32%
80% 78% <2Cr
68% 72% 68% 22% BANKS 13%
10 Cr+
2Cr to <10Cr
68%
INDIVIDUALS 65%
Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23
Retail TD Bulk TD

21
Funding Profile Funding Profile Mix

In Rs Cr Sept 2021 June 2022 Sept 2022 2% 1%

TD 9,894 9,838 11,270 8% CASA

Refinance 2,980 2,299 2,023 TD

43% Refinance
CASA 8,200 10,548 10,456
Sub Debt 150 150 - IBPC
46% RBI Borrowing
IBPC 700 795 500
RBI Borrowing - - 316
Total Borrowings 21,924 23,630 24,565

Daily Average Cost of Funds (%)

6.81%
6.47% 6.25%
6.20% 6.20%
6.37% 6.20% 6.24% 6.28%
6.05%

7.12% 6.90% 6.65% 6.54% 6.49%

Q2FY22 Q3FY22 Q4FY22 Q1FY23 Q2FY23

Deposit cost - SA Deposit cost- TD Cost of Funds

22
Treasury Update
The Bank’s total investment portfolio of Rs. 5,748 Crore comprises of SLR and Non-SLR securities

Category (Rs. Cr) Book Value

SLR 5,730
Non SLR 18
Total 5,748

Borrowings & Liquidity

• The Bank’s Certificate of Deposit (CD) programme for Rs. 500 Crore has highest rating from at CRISIL A1+
• The Bank has adequate eligible advances available to raise funds through refinance or IBPC whenever required
which provides strong cushion to ALM position of the Bank
• The Bank currently maintains ‘surplus’ liquidity in the form of High Quality Liquid Assets (HQLA). Liquidity
Coverage Ratio (LCR) as on 30.09.2022 is 202%

Profit on sale of Investments for the quarter is Rs. 7.76 Crore and MTM depreciation on Investments for the
quarter is Rs. 1.35 crore

23
Digital Banking

24
Digital Banking – Key Highlights
Neo Banking Digital Products overview for Q2

• 1.58 Lacs Cards issued

Equitas Selfe Prepaid Cards • 55 Lacs+ Transactions
• Rs. 325 Crs Txn value processed
Own digital platform

Rs. 578 Crs Micro ATM

•
•
195 Lacs+ Transactions
Rs. 6,546 Crs Txn value processed
Total Deposits

NETC - FASTag • 49 K+ new Fastags issued

• Rs. 267 Crs issuer Txn value processed

Rs. 510 Crs Rs. 4 Crs UPI • 12.75 Lacs Transactions Processed
Total Deposits Total Deposits • Rs. 23 Crs Txn Value processed

25
Financials

26
Balance Sheet
Particulars (in Rs Cr) Sept-22 Sept-21 YoY % Jun-22 QoQ%
Capital & Liabilities
Capital 1,254 1,145 9% 1,253 -
Reserves & Surplus 3,213 2,321 38% 3,095 4%
Networth 4,467 3,466 29% 4,348 3%
Deposits 21,726 18,094 20% 20,386 7%
Borrowings 2,339 3,130 -25% 2,449 -4%
Other Liabilities & Provision 1,392 1,058 32% 1,184 18%
Total 29,924 25,748 16% 28,367 5%
Assets
Cash and Balances With Reserve Bank of India 976 3,424 -71% 1,911 -49%
Balances With Banks and Money At Call and Short Notice 288 64 354% 145 98%
Investments 5,746 3,531 63% 4,854 18%
Advances 21,840 17,837 22% 20,479 7%
Fixed Assets 221 173 28% 200 11%
Other Assets 853 719 19% 778 10%
Total 29,924 25,748 16% 28,367 5%
Gross Advances 22,779 18,978 20% 21,688 5%
Profit & Loss Account
Particulars (in Rs Cr) Q2FY23 Q2FY22 YoY% Q1FY23 QoQ% H1FY23 H1FY22 YoY%
Interest Income from Loans 904 767 18% 855 6% 1,759 1,509 17%
Income on Investments 73 60 22% 62 18% 134 117 15%
Interest on balances with Reserve Bank
25 17 47% 24 4% 50 37 35%
of India and other inter bank funds
Total Interest Income 1,002 844 19% 941 6% 1,943 1,663 17%
Finance Cost
Interest on deposits 326 289 13% 296 10% 622 568 10%
Interest on RBI / inter-bank borrowings 18 - - 12 50% 30 1 -
Other interest 49 70 -31% 52 -8% 101 149 -32%
Total Finance Cost 393 360 9% 360 9% 752 718 5%
Net Interest Income 610 484 26% 581 5% 1,190 945 26%

Other Income

Asset Fee Income 84 65 29% 67 25% 151 92 64%

Treasury & PSLC Fee Income 7 17 -59% 7 - 14 32 -56%
Liability & Distribution Income 25 24 4% 26 -4% 51 41 24%
Total Other Income^ 115 106 8% 100 15% 216 165 31%

*Opex is exclusive of digital expenses | ^Other income is net of digital expenses

Profit & Loss Account
Particulars (in Rs Cr) Q2FY23 Q2FY22 YoY% Q1FY23 QoQ% H1FY23 H1FY22 YoY%
Net Income 725 590 23% 681 6% 1,406 1,110 27%
Employee Cost 275 228 21% 226 22% 501 449 12%
Opex* 208 163 28% 187 11% 395 298 33%
Total Operating Expenditure 483 391 24% 413 17% 875 747 17%
PBT before provision & Write-off 242 199 22% 268 -10% 510 363 40%
Credit Cost 90 142 -37% 142 -37% 232 292 -21%
PBT 152 57 167% 127 20% 279 71 293%
Taxes 36 16 125% 30 20% 66 18 267%
PAT 116 41 183% 97 20% 213 53 302%

*Opex is exclusive of digital expenses ^Other income is net of digital expenses 29

Sustainability at Equitas
UN SDG’s
Governance
Environment Social
& Inclusion

• Bank has a policy on • The Equitas Development • Board of Directors with

Environmental & Social Initiative Trust (EDIT) was diversified industry
safeguards framework for set up to undertake social experience
Micro & Small Enterprises and community
during the appraisal development initiatives in • Experienced Management
process of loan application the areas of Health, team with 20+ years of
Education and Employment individual experience
• Bank has tied-up with IFC across functions
to conduct exploratory data • To know more about the
analysis to establish base impact of EDIT on society • To more about our
line for Green Portfolio click here governance & inclusion
practices click here

Sustainalytics – Equitas ESG risk rated at Medium levels among Banks

30
 EDIT Impact Governance
26,16,049 1,18,812 33,605
Eye- Camp Spectacles Cataract Equitas from the very beginning has reflected high governance
Participants distributed for Operations
free Sponsored
standard which is reflected by the board demographics and its
independence

38,80,073 6,00,420 2,40,251

Medical Camps Participants in Unemployed 6 98.33% 99.53%
Organized Skill Training Placed
No of Board Board Board
Meeting Attendance Committee
4,33,166 2,343 57,38,883
Attendance
Swasth Mahila Pavement Dweller Number of
Health Education Rehabilitated People
Vaccinated
9 9 8 Years
Inclusion No of No of non- Term Limit of
Independent management Ind. Directors
• Employee were provided with benefits of Covid policy which
Directors Directors
included benefits like Special Covid leaves , Hospitalization
Assistance , test charges reimbursement
• A Child Care Centre has been opened in the Head-Office to To know more about our Board Committees click here
encourage and support the working parents. This initiative
specially helps the working mothers in managing their careers

31
Awards

AmbitionBox Best e4m IMA South Quantic e4m IMA South

Places to Work in Circle of Life – Disruptive Technology Equiverse – Innovative
India 2022 Branded Content BFSI Innovation Award use of Technology

32
Awards

W.E. matter BSE

Global Employee BW Marketing World Top Performer in
Choice Awards 40 under Forty Banks Category
Best CEO 2020-21

33
Investor Relations

Equitas Small Finance Bank Limited

Website – https://ir.equitasbank.com/
Email – [email protected]
Twitter - @EquitasIR

4th Floor, Phase II, Spencer Plaza, No. 769, Mount Road, Anna Salai,
Chennai 600 002, Tamil Nadu