Investor Presentation dated 26.10.2026

Date: October 26, 2026 BSE Limited The Corporate Relationship Department Phiroze Jeejeebhoy Towers, 1st Floor, Dalal Street, Mumbai – 400 001 Ref: Scrip Code: 543931 ISIN: INE0Q0M01015 Sub: Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 – Investor Presentation Dear Sir/ Ma’am, Please find attached the Investor Presentation in accordance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. This presentation highlights the financial results of the Company for the quarter and half year ended 30th September, 2026. Kindly take the above information on record. The information in the above notice is also available on the website of the Company www.veefin.com. Thanking you, For Veefin Solutions Limited Gautam Udani Whole-Time Director DIN: 03081749 Veefin Solutions Limited Earnings Presentation Q2 & H1 FY27 Period ended 30 September 2026 The period at a glance H1 FY27 performance and business progress GROUP STANDALONE Revenue Total PAT Revenue PAT ₹238.82 cr ₹24.85 cr ₹49.19 cr ₹13.97 cr +116.2% YoY +126.6% YoY +83.6% YoY +79.4% YoY PORTFOLIO AND PIPELINE AIOS AND AI EMPLOYEES MAIN-BOARD MIGRATION ₹920.00 cr open pipeline. 1,000+ skills built. BSE approval received. ₹240.21 cr added in Q2. Implementation, support and NSE approval awaited. testing factories built on AIOS and being used within Veefin. VEEFIN / EARNINGS PRESENTATION / Q2 & H1 FY27 Pipeline FX: ₹94.9432/USD · 23 Oct 2026 · Constant-rate translation H1 FY27 financial performance Revenue and EBITDA grew strongly across standalone and group Standalone Full group consolidated REVENUE +83.6% REVENUE +116.2% H1 FY27 49.19 H1 FY27 238.82 H1 FY26 26.79 H1 FY26 110.44 Metric H1 FY27 H1 FY26 Change Metric H1 FY27 H1 FY26 Change EBITDA 27.20 13.12 +107.4% EBITDA 60.81 23.44 +159.5% EBITDA margin 55.3% 49.0% +634 bps EBITDA margin 25.5% 21.2% +424 bps PAT 13.97 7.79 +79.4% PAT 24.85 10.97 +126.6% PAT margin 28.4% 29.1% -68 bps PAT margin 10.4% 9.9% +47 bps Basic EPS (₹) 5.47 3.35 +63.3% Basic EPS (₹) 6.25 3.76 +67.1% ₹ crore unless stated. EPS is basic, in ₹ per share and not annualised. Group PAT includes non-controlling interests. EBITDA excludes other income. Margins use operating revenue. Changes use unrounded figures. Q2 FY27 financial performance Group profitability improved as standalone PAT remained broadly flat Standalone Full group consolidated REVENUE +10.9% REVENUE +9.2% Q2 FY27 25.86 Q2 FY27 124.66 Q1 FY27 23.33 Q1 FY27 114.16 Metric Q2 FY27 Q1 FY27 Change Metric Q2 FY27 Q1 FY27 Change EBITDA 13.97 13.23 +5.6% EBITDA 36.70 24.11 +52.2% EBITDA margin 54.0% 56.7% -272 bps EBITDA margin 29.4% 21.1% +832 bps PAT 6.99 6.98 +0.2% PAT 15.32 9.53 +60.7% PAT margin 27.0% 29.9% -289 bps PAT margin 12.3% 8.4% +394 bps Basic EPS (₹) 2.74 2.73 +0.2% Basic EPS (₹) 3.53 2.72 +29.9% ₹ crore unless stated. EPS is basic, in ₹ per share and not annualised. Group PAT includes non-controlling interests. EBITDA excludes other income. Margins use operating revenue. Changes use unrounded figures. How our revenue builds over time Existing customers underpin our revenue base. New signings build future revenue. Complete banking applications, technology platforms and individual components How we earn Standalone revenue composition One-time fees Q2 FY27 89.8% 10.2% Implementation and licence fees H1 FY27 82.1% 17.9% Recurring One-time Recurring fees Licence and subscription fees Q2 FY27 69.9% 30.1% Annual maintenance contracts and support H1 FY27 73.9% 26.1% Existing clients New clients One-time fees can be paid over milestones. Customers contribute over the contract term. Fee type and customer vintage are separate views of the same revenue. Receivables Discipline: Collections and Working Capital Standalone Days Sales Outstanding (DSO) — how quickly billed revenue converts to cash. STANDALONE DSO TREND (DAYS — LOWER IS BETTER) ↓ 88 FY24 FY25 FY26 H1 FY27 Note: Billed-receivable DSO; excludes unbilled. FY24–25 are historical. DSO for H1 is annualized. Opportunity pipeline movement Q2 FY27 activity and latest open-pipeline snapshot ₹ crore · USD/INR 94.9432 (23 Oct 2026) +240 −46 Opening pipeline New additions Contracted Other net movement Latest open pipeline Q1 FY27 close Q2 FY27 Q2 FY27 Q2 FY27 close ₹920 cropen pipeline, with ₹240 cradded and ₹46 crcontracted in Q2 FY27. All figures are rounded. VEEFIN / EARNINGS PRESENTATION / Q2 & H1 FY27 Opportunity pipeline: products, regions and wins ₹920 cropen pipeline across 77 deals, spanning products beyond SCF and markets outside India. PIPELINE VALUE ACTIVE DEALS BEYOND SCF MULTI-PRODUCT ₹920 cr 77 65% 38 / 77 Open, sized enterprise Across 16 countries in Pipeline value outside Deals evaluating more pipeline 5 regions flagship SCF than one product Recent wins 75% 11% Leading finance company, India · 2 PSBs, India Pipeline qualified Under negotiation Product-wise pipeline contribution Region-wise pipeline split Region Value Deals Supply Chain Finance 35% Southeast Asia 56% 29% Digital Lending 23% India 16% 32% Trade & Cash Management 18% Rest of South Asia 12% 18% Digital Banking 16% Middle East 11% 16% Fraud & Risk 3% Africa 3% 4% Other 5% Europe 2% 1% Lending, trade, cash Southeast Asia, Middle East, 65% beyond SCF 84% outside India and digital banking Africa and Europe Pipeline validates three shifts: Beyond SCF International expansion Multi-product selling VEEFIN / EARNINGS PRESENTATION / Q2 & H1 FY27 Pipeline FX: ₹94.9432/USD · 23 Oct 2026 · Constant-rate translation Veefin AI Operating System (AIOS) Build governed AI Employees for defined business roles AI EMPLOYEES Defined jobs, reusable skills and supervised work AIOS Employee Factory, Governed Runtime and Command Centre Shared business context, operating rules and evidence 1,000+ skills built VIPis the architecture beneath AIOS A standalone offering or combined with Veefin products Designed to connect to customers’ existing systems VEEFIN / EARNINGS PRESENTATION / Q2 H1 FY27 Putting AIOS to work within Veefin We have built three internal factories on AIOS and started using them ourselves VEEFIN AI OPERATING SYSTEM Implementation factory Implementation preparation and delivery support Support factory Issue investigation and resolution support Testing factory Test preparation and execution support Our own use demonstrates how AIOS can be applied to real work VEEFIN / EARNINGS PRESENTATION / Q2 & H1 FY27 Our expanded product portfolio Banking and lending products, financing infrastructure and governed AI TRANSACTION BANKING AI Supply Chain Finance AI Operating System Trade Finance AI Employees Cash and Liquidity Management DIGITAL LENDING BANKING CHANNELS Loan origination Corporate internet banking Loan management Retail internet banking Debt Collections Mobile banking FINANCING INFRASTRUCTURE RISK AND ANALYTICS PSB Xchange Marketplace Fraud management Guarantee Management Risk analytics TReDS Technology VEEFIN / EARNINGS PRESENTATION / Q2 & H1 FY27 Customers can buy complete products or individual capabilities VEEFIN AI OPERATING SYSTEM Creates, runs and supervises AI Employees across products CASH & LIQUIDITY MANAGEMENT SUPPLY CHAIN FINANCE TRADE FINANCE DIGITAL LENDING Leadership Updates Strengthening leadership in delivery and customer outcomes Pavan Chamarty Akash Munjal Chief Delivery Officer Chief Customer Officer 25 years in technology 24+ years in MNC and delivery private banks Joined from Tech Mahindra Elevated from within Veefin Led delivery for banking clients across US, Europe, the Experience across SCF, trade finance, risk distribution Middle East and Africa. and product strategy. FOCUS AT VEEFIN FOCUS AT VEEFIN Delivery execution and operational excellence as we Customer outcomes, retention, expansion and scale product adoption VEEFIN / EARNINGS PRESENTATION / Q2 & H1 FY27 Priorities for the coming period Convert opportunities into business and str [Showing first 8,000 characters — download PDF for full document]