In continuation of our letter dated September 23, 2026 regarding intimation of schedule of analysts or investors meet, please find enclosed investor presentation.

Date: September 25, 2026 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai – 400001 Scrip Code No. : 538540 Scrip Symbol : RAAMA ISIN : INE516P01015 Dear Sir/Madam, Sub: Investor Presentation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 In continuation of our letter dated September 23, 2026 regarding intimation of schedule of analysts or investors meet at Bharat Connect Conference – Rising Stars 2026, to be held on Monday, September 28, 2026, organised by Arihant Capital, between 17:00 Hrs to 18:00 Hrs (IST) and Pursuant to the provisions of Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith Investor Presentation. Please note that copy of this communication will also be available on the website of the company at www.raamafinance.com. This is for your information and record please. Thanking you, For Raama Finance Limited (Formerly known as Ramchandra Leasing & Finance Limited) Dhiraj Kumar Jha Company Secretary & Compliance Officer M. No. F9631 Encl: As above Raama Finance Limited An AI-driven digital lending NBFC for India’s salaried workforce Investor presentation Our Brand FastSalary Page 1 Raama Finance Limited · RBI-registered NBFC-ICC Disclaimer This presentation and the accompanying slides (the “Presentation”), which have been prepared by Raama Finance Limited (the “Company”), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. This presentation contains certain forward looking statements concerning the Company’s future business prospects and business profitability, which are subject to a number of risks and uncertainties and the actual results could materially differ from those in such forward looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and international), economic growth in India and abroad, ability to attract and retain highly skilled professionals, time and cost over runs on contracts, our ability to manage our international operations, government policies and actions regulations, interest and other fiscal costs generally prevailing in the economy. The Company does not undertake to make any announcement in case any of these forward looking statements become materially incorrect in future or update any forward looking statements made from time to time by or on behalf of the Company. Page 2 Business Synopsis ₹ 43 Cr+ 1.5L + 10,373 Applications recieved Loan applications Total loan disbursal, processed Iin Q1FY27 Q1FY27 2.4M+ 70% 100+ Repeat usage — share of Addressable pipeline Employee monthly disbursals of salaried individuals strength Raama Finance Limited is an RBI-registered NBFC-ICC with a proven digital lending model targeting the ₹4.2 lakh crore addressable short-term credit market in India. 6,700+ The company leverages proprietary AI underwriting to serve 2.4M+ salaried borrowers with Pin codes average ticket sizes of ₹5,000–₹1,20,000 and tenors of 30–60 days. ₹ 45,000 Average loan size Page 3 Financial Highlights Q1FY27 2,130.75 Q4 FY26 FY26 (full year) Q1 FY27 1,213.14 969.17 684.09 444.11 435.48 367.27 323.90 262.81 Total revenue ▲ +120% EBITDA ▲ +86% PAT ▲ +66% MARGIN PROGRESSION 32.1% 333666...666%%% 31.0% 333555...333%%% 20.4% 222666...777%%% EBITDA margin PBT margin PAT margin QQQ111 FFFYYY222777 FFFYYY222666 QQQ111 FFFYYY222777 FFFYYY222666 QQQ111 FFFYYY222777 FFFYYY222666 EBITDA derived as profit before tax plus finance costs and depreciation & amortisation. Margins computed on total income. Page 4 raama. From Management’s Desk India's short-term credit market for salaried employees remains structurally under-served. Of a workforce exceeding 500 million, only ~190 million sit within the urban, organised segment, and just 35 million currently access formal short-term credit — leaving an estimated ₹1.8 lakh crore of unmet demand, growing at a 39% CAGR, with 42% of this workforce still borrowing informally. Banks are structurally not built to serve this segment profitably: small tickets, thin credit histories, and short tenors don't fit a branch-led cost structure. The result is a widening gap between demand and formal supply — and a structural shift already underway in who fills it. NBFC share of retail credit has risen from 15% to 33% between FY18 and FY26P, while bank retail share has fallen from 68% to 48%, with NBFC retail credit compounding at 22% versus 14% for banks. This is the gap Raama Finance Limited was rebuilt to close, a NBFC - an AI-driven, fully app-based digital lender — and Q1 FY27 was the quarter that transformation showed up decisively in the numbers. We disbursed ₹43.99 Cr and delivered a PAT of ₹4.35 Cr, reaching 6700 pin codes — our first consistently profitable scaled year. Total income grew from ₹0.17 Cr to ₹21.31 Cr over four quarters (129x). Looking ahead, we expect the Company to sustain growth in disbursals, income and active borrowers, as we expand further from 6700 pin codes and 500 cities, deepen our 1,200+ employer and HRMS partnerships, and grow repeat-borrower volumes. Mr. Jitendra Prasad Chief Executive Officer Page 5 raama. Regulatory Framework — RBI’s view Regulatory Tailwinds RRRBBBIIIʼʼʼsss AAAccccccooouuunnnttt AAAggggggrrreeegggaaatttooorrr fffrrraaammmeeewwwooorrrkkk eeennnaaabbbllliiinnnggg rrreeeaaalll---tttiiimmmeee As per Reserve Bank of Indiaʼs (Non-Banking Financial Companies – fffiiinnnaaannnccciiiaaalll dddaaatttaaa ssshhhaaarrriiinnnggg... Responsible Business Conduct) Directions, 2025 (Updated as on April 1, 2026) CCCooo---llleeennndddiiinnnggg pppooollliiicccyyy (((RRRBBBIII 222000222000))) ooopppeeennnsss ₹₹₹222+++ LLLaaakkkhhh CCCrrr bbbaaannnkkk pppaaarrrtttnnneeerrrssshhhiiippp oooppppppooorrrtttuuunnniiitttyyy... RBI/DOR/2025-26/362 DOR.MCS.REC.No.281/01-01-039/2025-26 OOOCCCEEENNN (((OOOpppeeennn CCCrrreeedddiiittt EEEnnnaaabbbllleeemmmeeennnttt NNNeeetttwwwooorrrkkk))) ——— nnneeewww AAAPPPIII--- fffiiirrrsssttt llleeennndddiiinnnggg rrraaaiiilllsss... November 28, 2025 The Board of an NBFC shall adopt an interest rate model taking into PPPMMM SSSVVVAAA NNNiiidddhhhiii &&& JJJaaannn DDDhhhaaannn llliiinnnkkkaaagggeee eeexxxpppaaannndddiiinnnggg cccrrreeedddiiittt aaacccccceeessssss tttooo account relevant factors such as cost of funds, margin and risk lllooowwweeerrr ssseeegggmmmeeennntttsss... premium and determine the rate of interest to be charged for loans and advances. The rate of interest and the approach for gradations DDDPPPDDDPPP AAAcccttt (((222000222333))) ——— eeeaaarrrlllyyy cccooommmpppllliiiaaannnccceee pppooosssiiitttiiiooonnnsss RRRaaaaaammmaaa aaasss of risk and rationale for charging different rate of interest to tttrrruuusssttteeeddd dddaaatttaaa hhhaaannndddllleeerrr... different categories of borrowers or customer shall be disclosed to the borrower or customer in the application form and RRRBBBIII [Showing first 8,000 characters — download PDF for full document]