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Employment Agreement dated July 30, 2020 entered into between our Bank and our Managing Director and
Chief Executive Officer, Baskar Babu Ramachandran.

Report titled “Report on Small Finance Banks and various loan products” dated September, 2020, issued by
CRISIL.

Shareholders’ agreement dated March 20, 2019 entered into by and amongst, Sarva Capital LLC, HDFC
Holdings Limited, HDFC Life Insurance Company Limited, Jhelum Investment Fund I, International Finance
Corporation, DWM (International) Mauritius Ltd, ResponsAbility Participations Mauritius, ASK Pravi Private
Equity Opportunities Fund, IDFC FIRST Bank Limited, Polaris Banyan Holding Private Limited, Kiran
Vyapar Limited, Dr. Aravind Srinivasan, Gaja Capital India AIF Trust (represented by its trustee, Gaja Trustee
Company Private Limited), Gaja Capital Fund II Limited, Evolvence India Fund II Ltd, TVS Shriram Growth
Fund, Lok Capital Growth Fund, Americorp Ventures Limited, DEG — Deutsche Investitions — Und
Entwicklungsgesellschaft, Kotak Mahindra Life Insurance Company Limited, TVS Shriram Growth Fund 3, a
scheme of TVS Shriram Growth AIF Trust, Teachers Insurance and Annuity Association of America, our
Promoters and our Bank read along with amendment to the Shareholders’ agreement dated December 16, 2019
and the Shareholders’ Second Amendment Agreement dated September 28, 2020.

Facility agreement dated December 22, 2019 and call option agreement dated December 22, 2019 entered into
by and amongst KVL and Baskar Babu Ramachandran, put option agreement dated December 24, 2019 entered
into by and amongst P.S. Jagdish, KVL and Baskar Babu Ramachandran.

Resolutions of the Board dated July 3, 2020, authorising the Issue and other related matters.
Shareholders’ resolution dated July 27, 2020, in relation to this Issue and other related matters.
Copies of the annual reports of our Bank for the Fiscals 2020, 2019 and 2018.

The examination report of the Statutory Auditor dated February 8, 2021, on our Bank’s Restated Financial
Statements.

The statement of special tax benefits dated March 3, 2021 from the Statutory Auditors.

Consent letters of the Directors, Selling Shareholders, the Book Running Lead Managers, the Syndicate
Members, Legal Counsel to our Bank as to Indian Law, Legal Counsels to the Selling Shareholders as to Indian
law, Legal Counsel to the Book Running Lead Managers as to Indian Law, Legal Counsel to the Book Running
Lead Managers as to International Law, Selling Shareholders, Registrar to the Issue, Escrow Collection Banks,
Public Issue Banks, Refund Banks, Sponsor Bank, Company Secretary and Compliance Officer, to act in their
respective capacities.

Consent letter dated March 9, 2021 from our Statutory Auditors namely, MSKC & Associates, Chartered
Accountants (formerly known as R. K. Kumar & Co., Chartered Accountants), to include their name in the
Red Herring Prospectus and this Prospectus as an “expert” as defined under Section 2(38) of the Companies
Act, 2013, in respect of the examination report dated February 8, 2021 issued by it on our Restated Financial
Statements, and the statement of special tax benefits dated March 3, 2021 included in this Prospectus and such
consent has not been withdrawn as on the date of this Prospectus. However, the term “expert” shall not be
construed to mean an “expert” as defined under the U.S. Securities Act.

Consent letter dated March 4, 2021 jointly from Avendus Finance Private Limited and Kiran Vyapar Limited
and consent letter dated March 4, 2021 from Placid Limited for release of pledge on 11,290,000 Equity Shares
held by one of our Promoters, Baskar Babu Ramachandran.

Board resolution dated September 30, 2020 approving the Draft Red Herring Prospectus.
Board Resolution dated March 9, 2021 approving the Red Herring Prospectus for filing with the Registrar of
Companies and subsequently with SEBI and the Stock Exchanges and resolution of our Board dated March

20, 2021 approving this Prospectus.

Due diligence certificate dated September 30, 2020, addressed to SEBI from the Book Running Lead
Managers.

In principle listing approvals dated November 13, 2020 and December 10, 2020, issued by BSE and NSE,
respectively.

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