Annual Report along with Notice of 11th AGM for the Financial Year 2025-26

Date: September 02, 2026 To, To, The Manager, The Manager Listing Department, Listing Department BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C-1, G – Block, Dalal Street, Fort, Bandra Kurla Complex, Bandra (East), Mumbai – 400001 Mumbai – 400051 BSE Scrip Code: 544799 NSE Symbol: TURTLEMINT ISIN: INE0OC301013 Sub: Annual Report for the Financial Year ended March 31, 2026 and the Notice convening the 11th (Eleventh) Annual General Meeting (“AGM”) of Turtlemint Fintech Solutions Limited (“the Company”). Dear Sir / Ma’am, The 11th AGM of the Company is scheduled to be held on Thursday, September 24, 2026, at 4.00 P.M. (IST) through Video Conferencing (“VC”)/Other Audio Visual Means (“OAVM”). Pursuant to Regulation 34(1) of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”), we are submitting herewith the Annual Report for the Financial Year 2025-26 including the Notice convening the 11th AGM which is being sent through electronic mode to the Members, who have registered their email addresses with the Company/Depositories. Members of the Company holding shares in dematerialized or in physical form as on Thursday, September 17, 2026 (“cut-off date”) will be eligible to cast their vote by electronic means through remote e-voting facility or through e- voting facility at the AGM on all resolutions set out in the Notice. The remote e-voting period will commence from Monday, September 21, 2026 at 09:00 am (IST) and ends on Wednesday, September 23, 2026 at 05:00 pm (IST). The Annual Report of the Company along with Notice of 11th AGM for the Financial Year 2025-26 is also available on the website of the Company https://www.turtlemint.com/investor-relations/turtlemint-fintech- solutions/financials/annual-report/ We request you to take the above information on record. Yours Faithfully, Thanking You, For Turtlemint Fintech Solutions Limited (Formerly known as Turtlemint Fintech Solutions Private Limited and Fintech Blue Solutions Private Limited) Prashant Saini Company Secretary & Compliance Officer Membership No: A23769 Turtlemint Fintech Solutions Limited (formerly known as Turtlemint Fintech Solutions Private Limited and Fintech Blue Solutions Private Limited) Registered O(cid:431)ice: The ORB Sahar, 4 and 4A, 1st Floor, A wing, Marol Village, Andheri East, Mumbai 400 099, Maharashtra, India CIN: L74999MH2015PLC263315 | Email: companysecretary@turtlemint.com | Website: www.turtlemint.com | Contact No.: 022-68387400 Turtlemint Fintech Solutions Limited Annual Report 2025-26 Turtlemint Fintech Solutions Limited Annual Report 2025-26 INSURANCE BHARAT MAKE EVERY INDIAN FINANCIALLY SECURE Registered & Corporate Office: The ORB – Sahar, 4 and 4A, 1st Floor, A Wing, Marol Village, Andheri (East), Mumbai – 400 099 Website : https://www.turtlemint.com/ ACROSS THE PAGES 01-37 38-122 123-288 CORPORATE STATUTORY FINANCIAL OVERVIEW REPORTS STATEMENTS 03 Who We Are 38 Corporate Information 123 Standalone 05 Our Evolution Story 39 Notice of the Annual 206 Consolidated 06 Consistent and Scalable General Meeting Business Model 65 Director’s Report 07 Message from Co-Founders 86 Corporate Governance 12 Operational Snapshot Report 13 Our FY 2026 Business 115 MD&A Performance 15 Our AI Strategy 17 Our Digital Partners 25 Customer Value Proposition 30 Key Offerings for Insurers 37 Board of Directors Disclaimer: This document contains statements about expected future events and financials of Turtlemint Fintech Solutions Limited (‘The Company’), which are forward- looking. By their nature, forward-looking statements require the Company to make assumptions and are subject to inherent risks and uncertainties. There is a significant risk that the assumptions, predictions, and other forward-looking statements may not prove to be accurate. Readers are cautioned not to place undue reliance on forward-looking statements as several factors could cause assumptions, actual future results and events to differ materially from those expressed in the forward-looking statements. Accordingly, this document is subject to the disclaimer and qualified in its entirety by the assumptions, qualifications and risk factors referred to in the Management Discussion and Analysis section of this Annual Report. I N S U R A N C E F O R BHARAT India’s insurance story is still being written. While awareness and adoption continue to grow, millions of families across Tier 2, Tier 3 and rural India remain outside the reach of meaningful financial protection. The need exists. What is often missing is access, awareness and, most importantly, trusted guidance. Make Every Indian Financially Secure. TURTLEMINT OUR TECHNOLOGY THIS IS WHAT WAS BUILT TO MAKES THAT INSURANCE FOR BHARAT BRIDGE THIS GAP. POSSIBLE AT SCALE. MEANS TO US. We believe financial security should Rather than replacing advisors, we not be determined by where someone equip them to become more effective. It is about more than expanding insurance penetration. It is lives, how comfortable they are with Intuitive digital tools simplify product about widening access to financial protection, strengthening technology or how well they understand discovery, compare choices, personalise the resilience of households, and enabling more Indians to face insurance. Every Indian should have the recommendations and make complex uncertainty with greater confidence. opportunity to make informed choices insurance easier to understand — freeing and protect what matters most. advisors to focus on what matters most: Every advisor we empower, every engaging with customers, building trust That belief has shaped our business: and helping families make confident an advisor-led, technology-enabled family we help protect and every decisions. distribution platform that brings together community we reach moves us the trust of human relationships with The result is a model where technology the reach, intelligence and efficiency of amplifies human capability. Advisors closer to that ambition — because technology. reach more customers, serve them a financially secure India begins more efficiently and deliver a consistent Because insurance is not simply a experience. First-time buyers gain the transaction. It is a decision about with making financial protection confidence to navigate unfamiliar choices, protecting health, income, savings and and quality financial guidance travels accessible to every Indian. the future. That requires someone who beyond India's largest cities into its towns, can listen, understand individual needs villages and emerging communities. and offer the right guidance with clarity. WAS FOUNDED 11 YEARS AGO With a simple vision and mission Key Highlights First and Largest PoSP Network* B30+ TECH-LED OUR MISSION OUR VISION Deep Reach Distribution Improve access to insurance and To see every Indian financially beyond Metros investment products through secured with right insurance community-based financial advisors. and investment products. * As of December 31, 2025; largest amongst the peer group as confirmed by Redseer Report dated May 27, 2026 Corporate Statutory Financial Overview Reports Statements Who We Are A TRIADIC U S TO M E DISTRIBUTION PLATFORM IN S URE R S IT A L PA R T THAT EXPANDS S INSURANCE ACCESS Turtlemint Fintech Solutions Limited (also referred to as ‘Turtlemint’, ‘The Company’, or ‘We’) is a tech-enabled insurance distribution platform that strategically connects customers, insurance advisors and insurers. Since our founding, we have been at the forefront of transforming India’s insurance landscape and became the first to adopt the point-of-sale person (PoSP) framework in 2015. *Any user who has registered on our TurtlemintPro platform to distribute insurance and other financial products and completed KYC having provided us with their phone number, name and permanent account number. Digital Part [Showing first 8,000 characters — download PDF for full document]