Investor Presentation

October 28, 2026 To, To, National Stock Exchange of India Ltd., BSE Limited, Exchange Plaza, C-1, Block G, Phiroze Jeejeebhoy Towers, Bandra-Kurla Complex, Dalal Street, Fort Bandra (East), Mumbai - 400 051 Mumbai- 400 001 Scrip Symbol: MANBA Scrip Code: 544262 Sub: Investor Presentation under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Dear Sir / Madam, With reference to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed herewith the copy of the Investor/Earnings Presentation in relation to the Un-udited Standalone Financial Results of the Company for the quarter and half year ended on September 30, 2026. In compliance with Regulation 46 of the Listing Regulations, the Investor Presentation will also be available on the website of the Company at www.manbafinance.com Please acknowledge and take on your record. Thanking you. Yours Faithfully, For Manba Finance Limited Bhavisha Jain Company Secretary and Compliance Officer Encl: As above Registered Office: 324, Runwal Heights, Opp. Nirmal Lifestyle, L.B.S. Marg, Mulund (West), Mumbai 400 080. India. + 91 22 62346666 | info@manbafinance.com | www.manbafinance.com INVESTOR PRESENTATION October 2026 Company Snapshot Manba Finance is a NBFC providing tailored financial solutions for two wheelers, three wheelers, used Cars, MSME Lap loans and personal Loans Present across AUM 95% network of INR 18,108 Mn Secured AUM 1,900+ dealers 7 States Present in CARE A- 2,061 rating of employees & spread across 148 (Stable Outlook) 1,168 consisting of locations sales personnel 3 Year AUM CAGR 3 Year NII CAGR 3 Year PAT CAGR 39.29%* 33.20%* 39.85%* * Based on FY26 financials Financial Snapshot Net Interest Income Net Interest Margin Cost of Borrowings Average Yield on INR 938 Mn 12.28%^ 10.14%^ Average AUM 22.16%^ Return on Asset (%) Return on Equity (%) Net NPA Gross NPA 2.63%* 11.65%* 2.19%^ 2.96%^ Capital Adequacy Ratio Provision Coverage Debt Equity Ratio Disbursements 24.69%^ Ratio 26.00%^ 3.62 ^ INR 4,928Mn Disbursement Disbursement Per AUM Per Employee Per Employee Location Per Month INR 8.70 Mn^ INR 2.37Mn^ INR 2.77 Mn^ * Based on FY26 financials ^ Updated for H1-FY27 3 H1-FY27 Performance Total AUM Disbursement Net Interest Income Dealers (20.7% Growth) (23.7% Growth) (37.5%Growth) 1,932 (H1-FY27) INR 18,108Mn (H1-FY27) INR 4,928 Mn (H1-FY27) INR 938 Mn (H1-FY27) 1,393 (H1-FY26) INR 15,008Mn (H1-FY26) INR 3,983 Mn (H1-FY26) INR 682 Mn (H1-FY26) PAT NNPA GNPA Locations (27.7%Growth) 2.96% (H1-FY27) 2.19% (H1-FY27) 148(H1-FY27) INR 270Mn (H1-FY27) 3.52% (H1-FY26) 2.68%(H1-FY26) 103(H1-FY26) INR 211 Mn (H1-FY26) Company Overview Company Overview • Established in the year 1996, Manba Finance Limited (Manba) was founded by Mr. Total Revenue (INR Mn) & AUM (INR Mn) Manish Shah, a first-generationentrepreneur. 18,108 17,127 • Manba is a Non-Banking Financial Company offering financial solutions for new 2 13,314 Wheelers, 3 Wheelers, Electric 2 Wheelers, Electric 3 Wheelers, Used Cars, Small 9,369 BusinessLoans,MSMELapLoansandPersonalLoans. • Strong distribution network across 7 states through a dealer network of around 3,302 2,510 1,916 1,904 1,900+ • Tiedup with various PSU/PrivateBanks,NBFCs,for sourcing funds, FY 24 FY25 FY26 H1-FY27 AUM Total Revenue • The company commands one of the fastest turnaround times for loan sanctions in H1-FY27 Product Wise AUM Bifurcation theindustry,withover60%loanssanctionedin1-minuteand92%loansin1 day. • Almost 100%of loans given are under secured credit exposure. Wheelers, • LowestNPAsin the industry. 83.1% Small • Manba provides paperless, hassle-free and quick finance solutions paralleled by Buisnes s Loan, their dedicationto social responsibility, amplifyingpositive change within society 5.0% Others, 1.7% • The company merges innovation with empathy, utilizing technology to deliver rapid Personal loan solutions. Loans, Used Car 3 Wheelers, 5.6% Loans, 1.6% 3.0% Beyond the Balance Sheet What Sets Manba Apart OUR MISSION Four structural differentiators behind Manba's growth and asset quality “Manba Finance merges innovation with empathy, utilising technology to deliver Security at the Core Lower Cost to Collect rapid loan solutions, fostering an unbreakable bond throughout your financial 6% vs 18% 95% of AUM is secured expedition.” In-house collections team vs peers who The majority of AUM is backed by the outsource —tighter recovery control at a financed asset itself even as Manbaserves fraction of the cost new-to-credit borrowers, the loan book stays fundamentally low-risk by design. OUR VISION “Our vision is anchored in a digitally advanced India, where financial solutions are effortless and swift for everyone. Our Quick Loans Diversifying Beyond the Core commitment to providing paperless, hassle- Loans given within 1 Minute Stepped Into New Verticles free and quick finance solutions is paralleled by our dedication to social responsibility, Expansion into used vehicles, personal 60% of loans are approved within one amplifying positive change within society.” loans, and MSME financing is steadily minute, and 92% within a single day — reducing Manba'sreliance on new two- turning around credit decisions faster wheeler loans, lowering product than the industry norm. concentration risk over time. Capitalizing on India's Expanding Financing Market India’s Financing Market –Large, Growing & Underpenetrated Why the Opportunity is Attractive 2 Wheelerscontinue to be the preferred mode of mobility for India –affordable, convenient & aspirational 3 Wheelersare poweringlast-mile logistics and passenger connectivity; EV adoption to accelerate growth 21.4 Mn Units 1.4 Mn Units 6.0 Mn Units INR 25 Lakh Crore Used Carsmarket is large, resilient and growing with strong demand across Tier 2 & Tier 3 cities Two-Wheeler Sold in FY26 Three Wheelers Sold in FY26 Used Cars Sold in FY26 MSME Credit Gap MSME LAP financingtaps a large, underserved market with strong collateral-backed credit demand 2W Financing Market Size (INR Tn) Used Cars Financing Market Size (INR Tn) ManbaFinance –Well Positioned to Capitalize Strong 2W franchise with deep dealer network, brand 2.50 relationships & customer trust 1.71 Diversifying into 3W financing to capture growing 1.60 commercial mobility opportunity 1.07 Expanding in Used Car financing –tapping into a large, underserved & high demand market Scalable business model, technology led operations and risk discipline to drive sustainable growth FY25 FY28P FY25 FY28P ManbaFinance is strategically positioned in high growth mobility segments with strong tailwinds, a diversified product mix and a scalable operating model to create long term value. Source: FADA Report, CRIF Highmark, Crisil Intelligence, ET BFSI Reaching India’s First – Time Borrowers Delivering the joy of a first vehicle to India's new-to-credit customers. As on October 2026 Expansion into 3w Battery New-to-Credit First financing Loans extended to borrowers with no prior credit history. 40% of the new loans are given to the new to credit people. Geographic Expansion & Product Diversification Empowering Aspiring Entrepreneurs Financing income-generating assets that help self-employed individuals and small business owners improve livelihoods. Locations across 7 states Trust Built Through Repayment Consistent EMIs build credit history, enabling future personal loans and long-term 1 Million+ customer relationships. Customers served Mobility as Livelihood For self-employed and gig-economy borrowers, the two-wheeler is often their first <1.5% income-generating asset Credit Less, despite serving underserved segments Strong Enterprise Foundation DIVERSIFIED AND COST EFFECTIVE MAINTENANCE OF COMPANY’S TECHNOLOGY DRIVEN & SCALABLE LONG TERM BORROWINGS ASSET QUALITY OPERATING MODEL • Diversified sources such as • 400+personnelforcollection • RM platform for business term loans & cash credit operat [Showing first 8,000 characters — download PDF for full document]