Currency and Units of Presentation

All references to:

° “Rupees” or “%” or “INR” or “Rs.” are to Indian Rupee, the official currency of the Republic of India; and
. “USD” or “US$” or “$” are to United States Dollar, the official currency of the United States of America.

Our Bank has presented certain numerical information in this Prospectus in “lakh”, “million” and “crores” units or in whole
numbers where the numbers have been too small to represent in such units. One million represents 1,000,000, one billion
represents 1,000,000,000 and one trillion represents 1,000,000,000,000. One lakh represents 100,000 and one crore represents
10,000,000.

Figures sourced from third-party industry sources may be expressed in denominations other than millions or may be rounded off
to other than two decimal points in the respective sources, and such figures have been expressed in this Prospectus in such
denominations or rounded-off to such number of decimal points as provided in such respective sources.

Exchange Rates
This Prospectus contains conversion of certain other currency amounts into Indian Rupees that have been presented solely to
comply with the SEBI ICDR Regulations. These conversions should not be construed as a representation that these currency

amounts could have been, or can be converted into Indian Rupees, at any particular rate or at all.

The following table sets forth, for the periods indicated, information with respect to the exchange rate between the Rupee and
USD (in Rupees per USD):

 

 

 

Currency As at®
December 31, 2020 | December 31, 2019 | March 31,2020 | March 31, 2019 March 31, 2018
1USD 73.05 71.27 75.39 69.17 65.04

 

 

 

 

 

 

 

 

Source: RBI reference rate and www.fbil.org.in
* Incase March 31/ December 31 of any of the respective years/ period is a public holiday, the previous working day, not being a public
holiday, has been considered.

Industry and Market Data

Unless stated otherwise, industry and market data used in this Prospectus has been obtained or derived from publicly available
information as well as industry publication and sources. Further, the information has also been derived from the CRISIL Report,
which has been commissioned by our Bank from CRISIL. For risks in relation to commissioned reports, see “Risk Factors
Industry information included in this Prospectus has been derived from the CRISIL Report commissioned by our Bank for such
purpose. The CRISIL Report is not exhaustive and is based on certain assumptions and parameters/ conditions. There can be no
assurance that such third-party statistical, financial and other industry information is either complete, reliable or accurate” on
page 48.

Industry publications generally state that the information contained in such publications has been obtained from publicly
available documents from various sources believed to be reliable but their accuracy, completeness and underlying assumptions
are not guaranteed and their reliability cannot be assured. Although the industry and market data used in this Prospectus is
reliable, it has not been independently verified by us, the Selling Shareholders, the Book Running Lead Managers, or any of their
respective affiliates or advisors. The data used in these sources may have been re-classified by us for the purposes of presentation.
Data from these sources may also not be comparable.

In accordance with the SEBI ICDR Regulations, “Basis for Issue Price” beginning on page 106 includes information relating to
our peer group companies. Such information has been derived from publicly available sources, and neither we, the Selling
Shareholders, nor the Book Running Lead Managers or any of their affiliates have independently verified such information.
Accordingly, no investment decision should be made solely on the basis of such information.

The extent to which the market and industry data used in this Prospectus is meaningful depends on the reader’s familiarity with
and understanding of the methodologies used in compiling such data. There are no standard data gathering methodologies in the
industry in which business of our Bank is conducted, and methodologies and assumptions may vary widely among different
industry sources.

Such data involves risks, uncertainties and numerous assumptions and is subject to change based on various factors, including
those discussed in “Risk Factors” beginning on page 22. Accordingly, investment decisions should not be based solely on such
information.

Disclaimer of CRISIL

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