Investor Presentation

July 17, 2026 To, To The Manager The Manager, Listing Department Listing Department BSE Limited (“BSE”) National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, (“NSE”) Dalal Street, Fort Exchange Plaza, Plot No. C/1, G Block, Mumbai 400 001. Bandra-Kurla Complex, Bandra (East), Mumbai 400 051. BSE Scrip Code: 544799 NSE Symbol: TURTLEMINT ISIN: INE0OC301013 Sub: Investor Presentation on Audited Financial Results (Standalone and Consolidated) for the quarter and financial year ended March 31, 2026. Dear Sir/Ma’am, In reference to the above captioned subject, please find attached a copy of Investor's Presentation with respect to Audited Financial Results (Standalone and Consolidated) of the Company for quarter and financial year ended March 31, 2026. The same is also available on the website of the Company at https://cdn.turtlemint.com/wp- content/uploads/20260717121538/Turtlemint_Investor-Presentation_Q4_FY26.pdf Request you to take the same on your record and acknowledge. 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 Encl: As above Digital Insurance Distribution Platform Q4FY26 & FY26 | Investor Presentation 01 About Turtlemint Market Opportunity Turtlemint Triadic Model Content 03 04 Product and Technology 05 Our Board 06 Q4 ‘26 & FY 26 Performance 07 FAQ About Turtlemint Turtlemint was founded 11 years ago with a simple mission To drive insurance First & Largest PoSP Network* distribution across Bharat and make Deep Reach Beyond Metros every Indian financially secure Tech Led Distribution * As of 31st December 2025; largest amongst the Peer Group as confirmed by Redseer Report dated 27th May 2026. Turtlemint is India’s Leading Distribution Network Serving Policyholders In B30 Markets PLATFORM PREMIUM REVENUE FROM OPERATIONS INSURANCE PARTNERSHIPS INR 38,678 INR 10,983 46 22.57% Mn (FY26) Mn (FY26) Insurers integrated on platform Top 3 insurer concentration REACH & FOOTPRINT GRANULAR NETWORK OF DIGITAL PARTNERS PRODUCT ADOPTION 19,186 83 659,073 94,800 29.53 Mn 4.98 Mn+ Pin codes covered Physical branches Verified Partner 3-month active Policies issued Turtlemint Pro app Base Partner till date downloads (Q4 FY26) 75.36% 4.62% 4.5 Business from B-30+ Top 100 partner Contribution App rating geographies signifying granular business All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP Turtlemint is a Triadic Platform – Creating A Collaborative Ecosystem 659k+ Self-Employed Retired Home-Maker Financial Distributor Digital Partners Digital Partners Customers 46 Customers Insurers 29.53 Mn policies distributed Insurers Personal Life General Stand Alone Accident Life Motor Health Fire Insurers Insurers Health Insurers Note: Figures as of March 31, 2026 6 Technology To Manage Our Business At Scale Across Stakeholders Digital Partners Digital Partners Relationship Managers Customers Insurers and Enterprises • Smooth Onboarding and KYC • CRM to manage all Digital • View of all insurance policies • Make products accessible to of Digital Partners Partners in a single place Digital Partners through quick • Transactional journeys for • Tracking business and other • Easy Claim raising and integrations Insurance & financial products key metrics for all Digital tracking • White-labeled insurance • Certification & upskilling Partners • Track Mutual Fund portfolio distribution platform for module • Real time view of Quotes and • Quick Renewal of Insurance enterprises • Lead generation and customer Renewals to increase business policies management tools Our Evolution – Driving Growth Through Digital Transformation, Regulatory Tailwinds And Ecosystem Development In India's Insurance Sector Turtlemint Started 2016 2017 2018 2019 Servicing Platform Note: Years on FY ending March basis 1) Guidelines on Point of Sales Person - Non-Life & Health Insurers (IRDA/ Int/ GDL/ ORD/ 183/ 10/2015) and any subsequent amendments; 2) In March 2017, IRDAI revised the training requirements for POSPs in the non-life and health segments, replacing the NIELIT certification with a simplified in-house 15-hour training and internal examination (Source: Redseer Report); 3) In 2019, Government of India notified the Indian Insurance Companies (Foreign Investment) Amendment Rules, 2019 (“Foreign Investment Amendment Rules”) notifying that there shall be no cap on foreign equity investment for insurance intermediaries and the FDI proposals under these rules for intermediaries shall be allowed under the automatic route with certain conditions, thereby increasing the 8 FDI limit in insurance intermediaries from 49% to 100%; 4) IRDAI revised the erstwhile Payment of Commission Regulation from the Payment of Commission or Renumeration or Reward to Insurance Agents and Insurance Intermediaries, 2016 to IRDAI (Payment of Commission) Regulations, 2023. The new regulations, while removing the commission caps, put in place overall limits on Expense of Management (“EOM”) of the GI, health and Life insurers (Source: Redseer Report) snoitalugeR LOANS Training Platform Loans & Deposit Listed on NSE & BSE Insurer API GROW– Consumer Integrations SME Insurance & Engagement Platform Digital Partner App Offering 2021 2023 2024 2027 Reinsurance License Embedded Insurance Received Platform Consumer App Mutual Funds Platform PoSP PoSP Training 100% FDI in EOM Regulations1 Requirements2 Brokers3 Regulations4 Consumer Thesis The trend holds globally - Customers need advisory This is reflected in assisted non-insurer-led channels and guidance support in distribution accounting for contribute over 70% of US selecting insurance over 95% of all insurance premiums and over 90% in product sales in India China (CY2024) Source: Redseer Report 9 Market Opportunity India’s Insurance Sector Is Underpenetrated And Set For Strong Growth Insurance In India Is Underpenetrated… …With Strong Growth Potential Growth Drivers Insurance density, CY24 ($, Gross Direct Premium Income (GDPI) per capita) Insurance GDPI ($bn)2 Digital distribution expanding insurance access to Insurance underserved markets Penetration1 12.1% 11.8% 10.6% 8.5% 4.2% 5.1% 3.7% (CY24) 221-242 % Regulatory Tailwinds : 10,295 10-1 ‘Insurance for All’ by 2047, Bima Trinity 9 Macro-economic factors 6,185 Rising incomes and financial awareness 3,614 2,738 B-30+ Markets Increasing insurance demand from 371 B30+ markets with growth rates up to 1.6x higher than T30 during FY2020 FY2025 FY2030P3 FY25-304 Source: Redseer report; 2) IRDAI “Handbook on Indian Insurance Statistics 2023-24”, GIC, Redseer research and analysis; Conversion rate of US$ 1 = INR 85 used Note: $ / INR figures have been rounded to the nearest decimal place; 1) Gross Written Premium (“GWP”) as a percentage of GDP; 3) P – Projected; 4) For motor, health and life new business insurance 11 Targeting High Growth B30+ Markets Through Rapidly Growing PoSP Network Focus on high growing B30+ markets PoSPs have grown at a CAGR of +38% during FY20–25 to reach 2.7mn in FY25, while the number of individual agents has grown at a CAGR of GDPI CAGR FY2025-30P B30+ markets T30 markets +9% over the same period* Health Insurance* 17 - 19% 11 – 12% Motor Insurance* 14 - 17% 8 – 10% As of FY25, PoSPs accounted for ~50% of total insurance agent Life Insurance* 10 - 11% 5 - 7% base; and expected to surpass general (non-life) insurance agents by 1.3-1.5x by FY30* § B30+ markets accounted for 50–60% of the industry’s premium share in motor, retail health, and life insurance new business as of March 31, 2025* PoSP’s contribution to premiums is expected to grow at 24- § Overall, insurance demand in B30+ markets is projected to grow up to 1.6x 32% CAGR during FY25-30, outpacing the industry’s growth faster than in T30 markets between FY25 and FY30* rate [Showing first 8,000 characters — download PDF for full document]