Investor Presentation on the unaudited financial results for the quarter ended June 30, 2026.

Date: July 25, 2026 The National Stock Exchange of India Limited, BSE Limited Exchange Plaza, Listing department, Bandra-Kurla Complex, First floor, PJ Towers, Bandra (E), Mumbai 400 051 Dalal Street, Fort Mumbai 400 001 Symbol: FIVESTAR Scrip code: 543663,974905,975246,975598 Sub: Investor Presentation on the unaudited financial results for the quarter ended June 30, 2026. Dear Sir/ Madam In terms of Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith a copy of the Investor Presentation of the Company on the un-audited financial results for the quarter ended June 30, 2026. This Investor Presentation is also available on the website of the Company at https://fivestargroup.in/investor-presentation/ Kindly take the above information on record. For Five-Star Business Finance Limited Vigneshkumar SM Company Secretary & Compliance Officer Reaching the Unreached Five-Star Business Finance Limited Onwards & Upwards Investor Presentation | Q1FY2027 Safe Harbour This presentation and the accompanying slides (the “Presentation”) which have been prepared by Five-Star Business 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, the 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 overruns on contracts, our ability to manage our international operations, government policies and action 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 statement become materially incorrect in future or update any forward-looking statements made from time to time by or on behalf of the Company. Investor Presentation | Q1FY27 | Five Star Business Finance Limited Executive Summary | Q1FY27 Branches Loan Disbursement Loan Portfolio 856 ₹ 14,964 Mn ₹ 137,218 Mn +12 +89 +23% +16% +4% +10% Gross NPA 30+ DPD Profit After Tax 3.46% 12.38% ₹ 2,714 Mn +9 bps +1.00% -31 bps +1.07% +1% +2% Net Interest Margin* Return on Average AUM Return on Equity 19.97% 8.11% 14.46% -10 bps -2 bps -26 bps -69 bps -63 bps -2.11% q-o-q y-o-y * NIM computed as a % of average AUM Investor Presentation | Q1FY27 | Five Star Business Finance Limited Commentary on Q1FY27 It is with great delight that I present the performance of Five-Star Business Finance Limited (“Five Star” or “Company”) for the quarter ended June 30, 2026. The quarter panned out in line with our expectations, which vindicated the actions we undertook to overcome the challenges we faced. The most heartening facet of this quarter is the strong traction in disbursements that we achieved. We clocked our historical best in disbursements with quarterly disbursements coming in at INR 14,964 Mn, a growth of 23% over the previous quarter and 16% over the previous year. We ended the quarter with an AUM of INR 137,218 Mn, which is a sequential growth of 4% for the quarter. This clearly shows that Five Star is back on the growth trajectory and at this pace Lakshmipathy D of quarterly growth (which will only improve in the coming quarters), we should be able to achieve our full year growth Managing Director guidance very comfortably. Collections continue to remain robust despite this being the seasonally weakest quarter; for the quarter ended June 30, 2026, we clocked a unique customer collection efficiency (excluding NPA loans) of 97.9% (98.1% in Q4FY26), with our x-bucket collections coming in at 99.2% (99.3% in Q4FY26). Our current book continues to improve and stood at 83.30% as compared to 82.69% as of the previous quarter. We also saw a good improvement in our 30+ book which reduced to 12.38% as compared to 12.69% in the previous quarter. With our strong collections, we should see asset quality metrics consistently improving in the quarters to come. Our slippages (defined as increase in NPAs + write offs as a % of the opening standard AUM) remained flat at 0.70% compared to the previous quarter, and despite the seasonally weak nature of the quarter, our credit cost dropped sequentially to 1.85% for Q1FY27 from 1.88% for Q4FY26. On the borrowings front, we borrowed INR 4,500 Mn at an all-inclusive cost of 8.33%, despite not so favourable liquidity conditions. This has also helped bring down our COF on the book from 8.95% for Q4FY26 to 8.80% for Q1FY27. Not only did this ensure our spreads to remain intact (despite drop in yields) but it also shows the strength of the franchise from the perspective of external stakeholders. On the whole, it has been a great and satisfying quarter for Five Star, and sets the platform for the Company to achieve a strong trajectory across the facets of Growth, Profitability and Quality in the quarters to come. Investor Presentation | Q1FY27 | Five Star Business Finance Limited Who We are NBFC providing secured financial solutions to Small Business customers and Self-employed Individuals who are largely cut-off from formal lending ecosystem Deep understanding of customer behavior and strong knowledge of market and regional dynamics, having been operating in this segment for over the last 2 decades Proprietary Underwriting & Collections model fine-tuned over 2 decades of experience Target Customer Segment Ticket Size & Income Profile Customers with informal income Average Ticket size of ₹3 – 5 lakhs derived from everyday ‘services’ Household gross income of ₹25,000 – 40,000 Target Geography Property Backed Collateral Currently Southern India (TN, AP, All loans are secured against Telangana & Karnataka), and MP, borrower property – usually self Maharashtra, UP, Chhattisgarh, occupied residential property Rajasthan, Gujarat 856 11 502,884 14,497 Branches States / UT Loans Employees Investor Presentation | Q1FY27 | Five Star Business Finance Limited Our Journey CRISIL ICRA / CARE Ratings ICRA / CARE Ratings / India Ratings 2012 2014 2016 2017 2018 2021 BB+ BBB- BBB / BBB+ A- A A+ 2023 crosses 1,37,218 AA- INR 100 1,32,246 1,18,770 crosses INR 75 Listed on the Intense period of bourses; ₹ 137,218 Mn COVID; back to 96,406 Maintained strong Strong Asset growth Assets Under Management quality Strong portfolio growth; 69,148 Marquee PE investments; Series E COVID impact KKR 50,671 44,454 Introduction of Series D 38,922 Secured loans for First PE business & other Series C infusion CEO & purposes Series B Norwest, Series A CFO 21,128 Morgan Sequoia Matrix joined the Stanley Incorporation Partners Company 10,084 4,936 263 1,0 [Showing first 8,000 characters — download PDF for full document]