Investor Presentation

October 09, 2026 BSE Limited National Stock Exchange of India Limited Corporate Relationship Department The Listing Department, 25th Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra- Kurla Complex, Bandra (East), Mumbai - 400 001. Mumbai - 400 051. BSE Scrip Code: 524000 NSE Symbol: POONAWALLA Dear Sir / Madam, Subject: Investor/Analysts’ Presentation Reference: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (‘SEBI Listing Regulations’) Pursuant to Regulation 30 of the SEBI Listing Regulations, we are enclosing herewith the presentation to be made to the Investors/Analysts for the quarter and half year ended September 30, 2026. The presentation is also being uploaded on the website of the Company at the URL https://poonawallafincorp.com/investor-financials.php in accordance with Regulation 46 of the SEBI Listing Regulations. Kindly take the above intimation on record. Thanking You, Yours faithfully, For Poonawalla Fincorp Limited Shabnum Zaman Company Secretary ACS-13918 Classification | INTERNAL Q2FY27 Investor Presentation Sustainable | Predictable | Productive October 09, 2026 Disclaimer This presentation and the accompanying slides have been prepared by Poonawalla Fincorp Ltd. solely for informational purposes. They do not constitute an offer, recommendation, or invitation to purchase or subscribe for any securities. Furthermore, they should not be relied upon as the basis for any contract or binding commitment. Any offering of securities by the Company will only be made through a statutory offering document that contains detailed information about the Company. This presentation may contain forward-looking statements regarding the Company's future business prospects, strategies, estimates and profitability, but it is important to note that these statements are based on certain expectations, assumptions, anticipated developments and are subject to various risks and uncertainties. The actual results may differ significantly from what is stated in these forward-looking statements. Risks and uncertainties related to these statements include fluctuations in earnings, our ability to manage growth, competition, economic conditions in India and abroad, changes in law, rules and regulations relating to any aspects of the Company’s business operations, general economic, market and business conditions, attracting and retaining skilled professionals, as well as government policies and actions. Although the Company believes that the expectations reflected in such forward-looking statements are reasonable when made, it can give no assurance that such expectations will prove to have been correct. The Company does not guarantee any updates or announcements regarding these forward-looking statements. The Company's future performance may be impacted by various risks, uncertainties, and factors, leading to results that differ significantly from what is expected. Factors such as changes in regulations, compliance with capital adequacy norms, fluctuations in collateral value, management of NPAs, fraud, interest rate volatility, and economic changes in India can all affect the Company's outcomes. The information in this document is being provided by the Company and is subject to change without notice. The accuracy, completeness, and fairness of the presentation have not been independently verified. No representation or warranty, express or implied, is made regarding the information contained herein, so reliance should not be placed on it. The Company will not be held liable for any statements made or events arising from it. Distribution of this presentation may be limited by law in certain jurisdictions, so individuals who receive this presentation should familiarize themselves with any applicable restrictions and comply with them. 1. Key Highlights Table of Contents 1 Key Highlights 2 Business Overview 3 Financial Overview 4 AI and Digital Strategy Board of Directors, Management Team, Human Resource, ESG and Awards Q2FY27 - Financial Highlights Robust performance across parameters AUM NII PPoP PAT ▪ Strong AUM growth with healthy momentum across all retail products, new products contributed 18% to AUM ▪ PAT increased 21.8% QoQ to ₹375 Cr in Q2FY27 from ₹308 Cr in Q1FY27 ₹74,008 Cr ₹1,589 Cr ₹877 Cr ₹375 Cr ▪ PPOP expanded by 11.8% QoQ highlighting strong 55.1% YoY 75.6% YoY 126.9% YoY 405.2% YoY operating leverage and disciplined execution 10.4% QoQ 12.3% QoQ 11.8% QoQ 21.8% QoQ ▪ Secured on-book mix at 52% ▪ Improved asset quality with reduction in Gross NPA of 17 bps QoQ & 39 bps YoY. No accelerated write-off during ROA GNPA CAR Leverage the quarter ▪ Successfully expanded Gold loan branches to 550 as on date, to further strengthen distribution reach ▪ Omni-channel sourcing mix with DSA, digital, tele-calling 2.18% 1.20% 18.68% 4.30x & in-house sales team 149 bps YoY 39 bps YoY 20 bps QoQ 17 bps QoQ ▪ Continuous improvement in ROA, highlighting enhanced efficiency and superior capital allocation NII includes fees and other income Capital Augmentation Leverage (Debt to Equity) 4.67x ▪ Raised ₹2,500 Cr Via Qualified Institutional 4.25x 4.30x Placement in April-26 3.82x 3.64x ▪ Post capital raise debt to equity ratio stands at 4.30x as on 30th September 2026 ▪ We seek to continue growing our AUM at ~35- 40% CAGR over the next couple of years Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Q2FY27- Business Update Healthy traction in new launched businesses  Healthy average monthly disbursement of ~₹577 crore in Q2FY27 compared to ~537 crore PPLL PPrrimimee in Q1FY27  Gold loan operations are now live in 550 branches as on date, spread across Gujarat, Haryana, Rajasthan, Maharashtra, Punjab, Odisha, Karnataka, Andhra Pradesh, Madhya Pradesh and Telangana GGoolldd LLooaann  Q2FY27 delivered average monthly disbursements of ~₹355 crore compared to ~₹292 crore in Q1FY27 4,400+ Crore  Strong network of 20,000+ dealer points across 360 locations as of September 2026 Consumer Consumer Durable  Q2FY27 delivered average monthly disbursements of ~₹202 crore compared to ~₹144 crore Durable in Q1FY27 New product  CV business expands to 90+ strategic locations across 13 states as of September 2026 disbursement in CCoommmmeerrcciaial l  Onboarded 1,250+ channel partners to widen reach in all key markets Q2FY27 VVeehhiicclele L Looaann  Disbursements recorded healthy growth in Q2FY27, with a monthly run rate of ~₹127 crore  300+ dedicated sales team along with 700+ partners including key education consultants as of September 2026 EEdduuccaatitoionn  Sales presence is active in 50 locations across states as of September 2026 LLooaann  Disbursements averaged ~₹218 crore per month in Q2FY27, peaking at ₹263 crore in August 2026 New products* disbursement contributed 28% to total disbursement *New products include PL Prime, Gold Loan, Consumer Durable Loan, Commercial Vehicle Loan, Education Loan & Shopkeeper Loan 2. Business Overview Our Vision and Mission To be the Most Trusted Financial Services brand ➢ Trust: Denotes legacy and brand promise ➢ Financial Services: Holistic term that broadly defines the current and future business Vision expansion To help our customers succeed financially, and our values guide everything we do: Ethics, Integrity, Inclusion, Teamwork and strive to be the financial partner of choice for Mission our customers, aiming to make a positive impact in our communities Engine powering our growth for sustainable profitability Risk management integrated into Increased customer strategy, with a 360° Reinforced corporate acquisition, scale, and view embedded in governance at every decision-making & efficiency, streamlining level of operations, aligned with growth operations across the upholding the highest Board standards Risk-First Prioritizing customer- Approach Digital-First Governance – centricity, leveraging digital Consistent & robust AUM Approach First Approach innovations & s [Showing first 8,000 characters — download PDF for full document]