Investor Presentation on the Financial Results for the quarter and half year ended September 30, 2026 pursuant to Regulation 30 of the SEBI (LODR) Regulations, 2015

October 27, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Bandra- Kurla Mumbai- 400001 Complex, Bandra (East), Mumbai- 400051 Scrip Code: 533344 Scrip Symbol: PFS Subject: Investors’ Presentation on the Financial Results for the quarter and half year ended September 30, 2026 pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Dear Sir/ Madam, In continuation to our letter dated October 27, 2026 regarding Unaudited Financial Results of the Company for the quarter and half year ended September 30, 2026, we enclose copy of the Presentation on the said financial results. Further, pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the said presentation shall also be made during the Analysts/Investors (Group Meeting) to be held on Wednesday, October 28, 2026, intimation of which was given to the Stock exchanges vide our letter dated October 14, 2026. This letter is also available on our website at www.ptcfinancial.com. You are requested to take the above information on records. Yours faithfully, For PTC India Financial Services Limited Manohar Balwani Company Secretary Enclosed: as above PTC India Financial Services Ltd. (CIN: L65999DL2006PLC153373) (A subsidiary of PTC India Limited) Registered Office: 7th Floor, Telephone Exchange Building, 8 Bhikaji Cama Place, New Delhi - 110 066, India Board: +91 11 26737300 / 26737400 Fax: 26737373 / 26737374, Website: www. ptcfinancial.com, E-mail: info@ptcfinancial.com INVESTING IN IMPACT POWERED BY PURPOSE Q2 & H1 FY27 INVESTOR PRESENTATION October 2026 TABLE OF CONTENT 03. PFS Overview 07. Key Performance Metrics 04. Executive Summary 09. Q2 & H1 FY27 Highlights 05. Shareholder Information 10. Business Overview 06. Board of Directors 17. Financials PFS OVERVIEW RBI-classified Infrastructure Finance Company A subsidiary of PTC India Limited Incorporated in September 2006 (leader in electricity trading market) Focus on sustainable financing by delivering Aim to be the most preferred financial partner comprehensive and innovative solutions across across the sustainable infrastructure value chain infrastructure value chain Credit Rating CRISIL A (Negative)/A1 Listed on BSE & NSE in March 2011 ICRA A- (Stable) ) EXECUTIVE SUMMARY Empowering sustainable infrastructure transformation through agile, impact-oriented financing FOCUS AREAS: 1. Power Infrastructure ₹3,684 Crores 2. Renewable Energy & Energy Transition Loan Assets as on 30th Sep ‘26 3. Transportation & Logistics ₹44 Crores 4. Water & Urban Infrastructure PAT for Q2 FY27 5. Energy Storage Infrastructure 6. Clean Mobility ₹114 Crores Total Income for Q2 FY27 7. Biofuels & Waste-to-Energy 8. Digital Infrastructure 9. Social & Commercial Infrastructure Facilities CRISIL ICRA NCD / Bonds CRISIL A / Negative ICRA A- /Stable Long Term Loan CRISIL A / Negative ICRA A- /Stable Short Term Loan CRISIL A1 - Commercial Paper CRISIL A1 - SHAREHOLDER INFORMATION As on 30th Sep, 2026 26.38% Top Shareholders (as on 30th Sep, 2026) PTC India Limited 64.99 Domestic Institutional Investor 5.04 2.03% FPI (Category I + Category II) 1.56 64.99% 1.56% 1.41% 3.63% PTC India Limited Mutual Funds Insurance Companies FPI (Category I + Category II) Body Corporates Individuals & Others BOARD OF DIRCTORS Mr. Manoj Kumar Jhawar Mr. Rajiv Malhotra Non-Executive Chairman MD & CEO (Addl. Charge) Over 35 years of leadership experience in the power MD & CEO at PTC India Limited and infrastructure sector. ED & Group CRO at PTC India Limited Mr. Manas R. Mohanty Ms. Mini Ipe Independent Director Independent Director Ex-RBI official Ex-MD of Life Insurance Corporation of India Ms. Rashmi Verma Mr. P RAMANA MURTHY Independent Director Independent Director Seasoned banker with over 32 years of experience Retired IAS, with over 36 years of experience Mr. Dilip Srivastava Mr. Sanjeev Kumar Director (Finance) & CFO Director (Operations) Former WTD & CFO of a large state PSU with nearly Spanning over 3 decades of experience in corporate, 30 years of experience retail, construction and infrastructure financing KEY FINANCIAL METRICS- QUARTERLY SNAPSHOT LOAN ASSETS (IN ₹ CR) SANCTIONS (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 3,697 3,684 3,098 1,595 2,946 1,048 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 TOTAL INCOME (IN ₹ CR) PAT (IN ₹ CR) GROSS STAGE III (IN ₹ CR) 193 190 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 KEY FINANCIAL METRICS- HALF YEARLY SNAPSHOT LOAN ASSETS (IN ₹ CR) SANCTIONS (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 3,697 3,098 1,712 3,684 1,255 H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 TOTAL INCOME (IN ₹ CR) GROSS STAGE III (%) NIM (%) 5.23 4.63 4.41 3.43 H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 Q2 FY27 HIGHLIGHTS • Return to Core Infrastructure Financing, leveraging established relationships for stronger execution  45% of the book constitutes Renewable • AUM records growth after two years, reflecting business momentum  Highest Loan Sanctions in the past 8 years  Highest Loan Disbursement in past 4 years • Quality-led growth with disciplined underwriting • Client-focused and execution-oriented approach, enabling faster turnaround • Broad-based lending across ticket sizes • Diversified infrastructure origination across the value chain • Fresh bank sanctions and drawdowns during the quarter, strengthening funding availability • Continued focus on asset quality and portfolio monitoring OVERVIEW BUSINESS OPERATIONAL PERFORMANCE: COMPARATIVE VIEW SECTOR-WISE OUTSTANIDNG Q1 FY27 Q2 FY27 TOTAL- ₹2,946 Cr TOTAL- ₹3,684 Cr 3% Renewable Sustainable Infra Transmission Road Renewable Sustainable Infra Transmission Road Distribution Thermal Other* Distribution Thermal Other* * Other Sector - port, manufacturing, mining Sustainable Infra include – Water treatment, E- Mobility Q2 FY27 SECTORAL COMPOSITION OF THE PORTFOLIO Utilities 628.18 Conventional Power & Transmission 778.59 Renewable 1,649.61 Digital Infra 167.89 Transportation Infra 124.19 Wastewater & Emerging Infra 105.06 Others 230.48 In ₹ Crores BLUEPRINT FOR FUTURE Scaling with Strength: Driving Sustainable & Profitable Growth FY27 – Driving Profitable & Disciplined Growth 1. Leverage PFS’s core infrastructure financing capabilities 2. Pursue infrastructure opportunities across loan sizes and value chain 3. Drive disciplined and sustainable loan book growth 4. Expand lending across Private, PSU and Government entities 5. Deepen sector specialization and structured financing capabilities 6. Broaden funding sources and optimize capital deployment 7. Balance data-driven analytics with experiential judgment 8. Committed to advancing ESG-led sustainable infrastructure financing ROBUST AND WELL STRUCTURED ALM Structured Liquidity Statement as on September 30, 2026 Liquidity Coverage Ratio In ₹ Crores 208 248 5 1,494 252% 4,136 220% 181% 166% 2,642 1,746 1,741 116% 1,218 Upto 3M Upto 6M Upto 1Y Upto 3Y Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Cumulative Total Inflows Cumulative Total Outflows Net Cash Flows THRUST ON ENHANCING ASSET QUALITY In ₹ Crores 193 193 190 190 47 47 47 47 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q2 FY27 Gross Stage III Accounts Net Stage III Accounts *amounts are post IndAS adjustments LATNEMNORIVNE • Focus on Green & Sustainable Finance • Integrated ESMS into credit due diligence LAICOS • Gender diversity & equal opportunity • Equal pay for equal work • Employee well-being & inclusive workplace • CSR & community development • Research & innovation for social impact • Crop residue management • Water conservation & regeneration • Community plantation for carbon footprint reduction ECNANREVOG SUSTAINABILITY AND ESG FOCUS • Strong Board oversight & accountability • Ethical business conduct & integrity • Robust whistleblower & vigil mechanism • Comprehensive risk manage [Showing first 8,000 characters — download PDF for full document]