Public Issue of NCD

DISCLAIMER – IMPORTANT

NOTE: THE ELECTRONIC VERSION OF THE DRAFT SHELF PROSPECTUS (“DRAFT SHELF PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, CREDITACCESS GRAMEEN LIMITED (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE DRAFT SHELF PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEB SITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE DRAFT SHELF PROSPECTUS. BY ACCESSING THE DRAFT SHELF PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully – It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Draft Shelf Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Draft Shelf Prospectus to any other person or (2) reproduce such Draft Shelf Prospectus in any manner whatsoever. Any distribution or reproduction of the Draft Shelf Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Draft Shelf Prospectus as appearing on this web site are identical to the Draft Shelf Prospectus filed with the National Stock Exchange of India Limited (“NSE”), the BSE Limited (“BSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. A.K. Capital Services Limited (“Lead Manager”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this web site. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in CreditAccess Grameen Limited. Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in CreditAccess Grameen Limited.

Confirmation of understanding and acceptance of disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

DISCLAIMER – IMPORTANT

NOTE: THE ELECTRONIC VERSION OF THE SHELF PROSPECTUS (“SHELF PROSPECTUS”) AND TRANCHE I PROSPECTUS (“TRANCHE I PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, CREDITACCESS GRAMEEN LIMITED (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE SHELF PROSPECTUS AND TRANCHE I PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEB SITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE SHELF PROSPECTUS AND TRANCHE I PROSPECTUS. BY ACCESSING THE SHELF PROSPECTUS AND TRANCHE I PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully – It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Shelf Prospectus and Tranche I Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Shelf Prospectus and Tranche I Prospectus to any other person or (2) reproduce such Shelf Prospectus and Tranche I Prospectus in any manner whatsoever. Any distribution or reproduction of the Shelf Prospectus and Tranche I Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Draft Shelf Prospectus as appearing on this web site are identical to the Draft Shelf Prospectus filed with the National Stock Exchange of India Limited (“NSE”), the BSE Limited (“BSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. A.K. Capital Services Limited (“Lead Manager”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this web site. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in CreditAccess Grameen Limited. Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in CreditAccess Grameen Limited.

Confirmation of understanding and acceptance of disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

DISCLAIMER – IMPORTANT

NOTE: THE ELECTRONIC VERSION OF THE SHELF PROSPECTUS (“SHELF PROSPECTUS”) AND TRANCHE I PROSPECTUS (“TRANCHE I PROSPECTUS”) YOU ARE SEEKING TO ACCESS IS BEING MADE AVAILABLE ON THIS WEBSITE BY US, CREDITACCESS GRAMEEN LIMITED (“COMPANY”), AND FOR INFORMATION PURPOSES ONLY. THE SHELF PROSPECTUS AND TRANCHE I PROSPECTUS HAS BEEN MADE AVAILABLE ON THIS WEB SITE IN ELECTRONIC FORM SOLELY TO COMPLY WITH REGULATION 29 (1) OF SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE AND LISTING OF NON-CONVERTIBLE SECURITIES) REGULATIONS, 2021, AS AMENDED AND CIRCULARS ISSUED THEREUNDER, AS AMENDED FROM TIME TO TIME (THE “SEBI NCS REGULATIONS”). YOU ARE ADVISED TO READ THIS DISCLAIMER CAREFULLY BEFORE READING, ACCESSING OR MAKING ANY OTHER USE OF THE SHELF PROSPECTUS AND TRANCHE I PROSPECTUS. BY ACCESSING THE SHELF PROSPECTUS AND TRANCHE I PROSPECTUS, YOU AGREE TO FOLLOW THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY MODIFICATIONS TO THEM FROM TIME TO TIME.

Please read this notice carefully – It applies to all persons who view this site. Please note that the disclaimer set out below may be altered or updated. You should read it in full each time you visit the site.

Neither we, nor our affiliates represent that the contents of the Shelf Prospectus and Tranche I Prospectus herein are accurate or complete. The information contained herein has not been updated since its original publication date and may not reflect the latest updates.

You may not and are not authorized to (1) deliver the Shelf Prospectus and Tranche I Prospectus to any other person or (2) reproduce such Shelf Prospectus and Tranche I Prospectus in any manner whatsoever. Any distribution or reproduction of the Shelf Prospectus and Tranche I Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI NCS Regulations or other applicable laws of India and other jurisdictions.

The information in this section is directed at, and is intended for distribution to, and use by, residents of India only. Residents of countries other than India are not authorized to view or use the information in this section. Viewing this information may not be lawful in certain jurisdictions. In other jurisdictions, only certain categories of person may be allowed to view this information. Any person who wishes to view this site must first satisfy themselves that they are not subject to any local requirements which prohibit or restrict them from doing so.

These materials are not directed at or accessible by following persons:

• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

The debentures have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) or any state securities laws in the United States and may not be offered or sold within the United States, or to, or for the account or benefit of, U.S. Persons (as defined in Regulation S of the U.S. Securities Act), except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws in the United States. No offers or sales of the NCDs are being made in the United States.

If you are not permitted to view materials on this website or are in any doubt as to whether you are permitted to view these materials, please exit this webpage.

The Company has taken all necessary steps to ensure that the contents of the Draft Shelf Prospectus as appearing on this web site are identical to the Draft Shelf Prospectus filed with the National Stock Exchange of India Limited (“NSE”), the BSE Limited (“BSE”) and the Securities and Exchange Board of India (“SEBI”) (for record purposes) in accordance with the SEBI NCS Regulations.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Company or any of its or our affiliates accept any liability or responsibility whatsoever in respect of alterations or changes which have taken place during the course of transmission of electronic data. A.K. Capital Services Limited (“Lead Manager”) will not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this web site. Access to electronic versions of these materials is being made available in good faith and for information purposes, in connection with an offering of debt securities under the SEBI NCS Regulations and are not intended to nor do they constitute an offer and/or an invitation to subscribe to the securities referred therein.

The materials placed herein are for informational purposes and not a solicitation of any bid from you. Nothing contained herein shall constitute and/or deem to constitute an offer and/or an invitation to an offer to subscribe to the securities referred therein.

Any person seeking access to this portion of the Company’s website represents and warrants to the Company that they are doing so for information purposes only. Making press announcements and other documents available in electronic format does not constitute an offer to sell or the solicitation of an offer to buy securities in CreditAccess Grameen Limited. Further, it does not constitute a recommendation by the Company or the Lead Manager or any other party to sell or buy securities in CreditAccess Grameen Limited.

Confirmation of understanding and acceptance of disclaimer

I have read and understood the disclaimer set out above. I understand that it may affect my rights. I agree to be bound by its terms. I confirm that I am permitted to proceed to electronic versions of these materials. I confirm that I do not fall under any of the categories below:

• Foreign nationals;
• Foreign nationals;
• Persons resident outside India;
• Foreign Institutional Investors;
• Qualified Foreign Investors;
• Non-Resident Indians; and
• Overseas Corporate Bodies.

DISCLAIMER – IMPORTANT

YOU MUST READ THE FOLLOWING DISCLAIMER BEFORE CONTINUING.

Please read this notice carefully – By accessing this information on this site, you agree to follow the terms and conditions below, including any modifications that may be made to them from time to time.

These materials are being made available in connection with the proposed public issue of secured, rated, listed, redeemable, non-convertible debentures of face value of secured, rated, listed, redeemable, non-convertible debentures of face value of ₹1,000 each (“NCDs”) for an amount upto ₹ 250 crore (“Base Issue Size”) with an option to retain oversubscription up to ₹250 crores, aggregating up to ₹ 500 crores (“Tranche I Issue”) which is within the shelf limit of ₹ 1,500 crores (“Shelf Limit”), by CreditAccess Grameen Limited (“Issuer”), to eligible investors in India in accordance with applicable laws. The Issue is being made under applicable laws including in particular the Companies Act, 2013, as amended (“Companies Act”), Securities and Exchange Board of India (Issue and Listing of Non-Convertible Securities) Regulations, 2021, (“SEBI NCS Regulations”) and other applicable laws. The Shelf Prospectus dated November 4, 2022 (“Shelf Prospectus”) and Tranche I Prospectus dated November 4, 2022 (“Tranche I Prospectus”) has been filed by Issuer with Registrar of Companies, Karnataka at Bangalore pursuant to the SEBI NCS Regulations. The Shelf Prospectus and Tranche I Prospectus shall be read in conjunction with this addendum cum corrigendum to the prospectus dated November 11, 2022 (together, referred to as the “Prospectus”).

Access to this site does not constitute an offer or an invitation to the public under the Companies Act, to subscribe for or purchase any securities of Issuer and shall not form the basis of, or be relied upon in connection with, any contract or commitment whatsoever. We are not soliciting any action or decision based on the information on this site. The Prospectus has not been authorised or approved by SEBI, Reserve Bank of India, or stock exchange in India or any other Indian authority. The materials presented here may not be accessed in any jurisdiction where the delivery of such materials may not be permitted by law. You must satisfy yourself that you are not subject to any local requirements which prohibit or restrict you from accessing these materials. For taking an investment decision, investors must rely on their own examination of the Issuer and the Issue, including the risks involved.

The Prospectus behind these screens may contain statements about future events and expectations that constitute forward-looking statements. There can be no assurance that the results and events contemplated by the forward-looking statements contained therein will in fact occur. None of the future projections, expectations, estimates or prospects in this document should be taken as forecasts or promises nor should they be taken as implying any indication, assurance or guarantee that the assumptions on which such future projections, expectations, estimates or prospects have been prepared are correct or exhaustive or, in the case of the assumptions, fully stated in the document. We make no representation or warranty, express or implied, as to, and do not accept any responsibility or liability with respect to, the fairness, accuracy, completeness or correctness of any information or opinion in the Prospectus behind these screens. The information in the Prospectus behind these screens, unless otherwise specified, is only current as of the date of the Prospectus. We assume no responsibility to publicly update, amend, modify or revise any forward-looking statements, on the basis of any subsequent development, or information, or otherwise.

You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently neither the Issuer, its Directors, employees nor any of its affiliates accept any liability or responsibility of any nature whatsoever in respect of the alterations or changes which have taken place during the course of transmission of electronic data.

The Issuer, its Directors, employees will not be responsible for any loss or damage that could result from interception and interpretation by any third party(ies) of any information being made available to you through this site. Access to electronic versions of these materials is being made available in good faith and for information purposes only, in connection with an offering of debt securities under the SEBI NCS Regulations and is not intended to nor does it constitute an offer and/or an invitation to subscribe to the securities referred therein.

The contents of the Prospectus are solely for your information purposes only. You may not and are not authorized to (1) deliver the Prospectus to any other person; or (2) reproduce such Prospectus in any manner whatsoever. Any distribution or reproduction of the Prospectus in whole or in part is unauthorized. Failure to comply with this directive may result in a violation of the SEBI Debt Regulations or other applicable laws of India and/or in other jurisdictions.

These materials are not directed at or intended to be accessed by any persons outside India. You are accessing the Prospectus presented here on the basis that you are a person into whose possession this Prospectus may be lawfully delivered in accordance with the laws of the jurisdiction in which you are located. If you are not permitted to view materials on this site or are in any doubt as to whether you are permitted to view these materials, or if you do not agree to the terms contained in this notice, then you must not access the Prospectus presented here.

To access this information, you must confirm by pressing on the button marked “I Confirm” that, at the time of access you are located in India and/or otherwise eligible to invest in the Issue. If you cannot make this confirmation, you must please exit this page. By clicking on “I confirm”, you further confirm that you shall not base any investment decision on the information contained here and you agree that the information contained here is not an offer or a solicitation or an invitation to an offer to subscribe to the securities of the Issuer, or a recommendation to buy or sell any such securities in any manner or in any other jurisdiction where the same cannot be lawfully delivered in accordance with the laws of the jurisdiction where you are located. You also confirm that you are permitted to proceed to the electronic version of these materials.