Investor Presentation

October 29, 2026 To To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G Dalal Street, Fort, Mumbai – 400 001 Bandra Kurla Complex Scrip Code - 544754 Bandra (East), Mumbai – 400 051 Symbol - KISSHT Dear Sir / Madam, Subject: Investor Presentation on Unaudited Financial Results for the quarter and half year ended September 30, 2026. We refer to our intimation dated October 24, 2026, inform ing that an earnings conference call is scheduled to be held on Thursday, October 29, 2026, at 12:00 Noon (I ST), pursuant to the Regulation 30 read with clause 15 of Para A of Part A of Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. In this regard, we enclose herewith the Investor Presentation on Unaudited Financial Results for the quarter and half year ended September 30, 2026. The same is also being uploaded on the website of the Company at https://www.kissht.com/investor- relations/investor-meet. You are requested to take the above information on record. Thanking you, For OnEMI Technology Solutions Limited (formerly known as OnEMI Technology Solutions Private Limited) Shraddha Rajkumar Patangia Company Secretary and Compliance Officer Membership No.: A55210 OnEMI Technology Solutions Limited Earnings Presentation Q2 FY2027 Q2 FY2027 Quarterly Results | Disclaimer This presentation has been prepared by OnEMI Technology Solutions Limited (“the Company”) for informational purposes only and should not be construed as an offer, invitation, or recommendation to buy or sell any securities of the Company. Certain statements contained in this presentation may constitute “forward-looking statements”, including statements regarding the Company’s anticipated financial and operational performance, business plans, growth strategies, market opportunities, and future developments. These statements are based on management’s current expectations, assumptions, estimates, and projections and are subject to various risks and uncertainties that could cause actual results to differ materially from those expressed or implied. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. This presentation is for the quarter ended September 30, 2026. Unless stated otherwise, figures are per Ind-AS Consolidated accounts of OnEMI Technology Solutions Limited Expanding India’s credit Performance Company 01 02 horizon through Snapshot Overview technology Pg 05 Pg 07 Risk Management Portfolio Performance 03 04 Framework and Asset Quality Pg 19 Pg 26 Liability and Financial 05 06 Capital Performance Pg 30 Pg 36 CEO’s Letter Building resilience. Scaling trust. Shaping the future of credit. Dear Fellow Shareholders, Strengthening fundamentals Disciplined Priorities Q2FY27 was a quarter of strong growth, healthy returns and continued execution against our strategic priorities. AUM grew 68% YoY to ₹9,317 • Asset Quality: GNPA stood at 2.18%, • Cost base: As AUM scales, both cost of crore, with Return on Average AUM at 5.8%. representing a 75 bps YoY and 7 bps QoQ borrowings and operating expenses (as % of Our priorities remain unchanged: to grow improvement, continuing to reflect a strong average AUM) are expected to reduce. portfolio quality trend. sustainably without compromising credit quality • Margins: Benefits of cost reduction to be and to deliver consistent, profitable returns over the • Growth: AUM increased 68% YoY and 16% passed on to customers which will lead to long term. Disciplined underwriting, robust QoQ to ₹9,317 crore, driven by continued better customer selection and reduced collections practices and a scalable, technology-led portfolio expansion. impairment cost. platform continue to underpin our performance. • Profitability: PAT grew 100% YoY and 32% • Secured mix: LAP AUM contributes 7.9% of As we scale, we remain focused on strengthening QoQ to ₹125 crore in Q2FY27. AUM as of Sep-26 (vs 7.7% in Jun-26 and the quality of our loan book while building a resilient 4.1% in Sep-25), with scale-up expected to business positioned for sustainable growth. • Return Ratios: RoAAUM of 5.8% and RoAE of continue through the remaining quarters of 21.7% in Q2FY27. FY27, and beyond. FY27 Guidance 15%+ 60%+ <2.25% 20%+ YoY Reduction in AUM Growth GNPA RoAE Ranvir Singh Impairment Cost Revised from 40%+ Maintained Revised from 19-21% Chairman, Director & CEO Revised from 10-15% QQ22 FFYY22002277 QQuuaarrtteerrllyy RReessuullttss ||04 Performance Snapshot Company Overview 01 Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Performance Snapshot Q2 FY2027 Quarterly Results | Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Q2 FY27 Snapshot Metrics of momentum 2.18% 0.34% 84.55% 97.12% Asset quality GNPA (Stage 3)1 NNPA1 PCR1 Collection Efficiency (DPD 30) - 7 bps - 75 bps - 2 bps + 1 bps + 43 bps - 442 bps + 30 bps + 38 bps 12.80 Mn 3.61 Mn ₹9,317 Cr ₹740 Cr Scale Customers served (Cumulative) Active Customers AUM Total Income + 4% + 22% + 4% + 58% + 16% + 68% + 9% +43% ₹287 Cr ₹125 Cr 5.78% 21.65% Profitability PPOP PAT RoAAUM RoAE + 12% + 40% + 32% + 100% + 73 bps + 102 bps + 45 bps - 49 bps A-/Stable 34.76% 0.94x ₹2,377 Cr Capital & Liability Credit Rating (Long Term)1&2 Capital Adequacy Ratio1 Debt to Equity Net Worth - 543 bps + 454 bps + 0.03 - 0.80 + 6% + 103% QoQ | YoY 1 Pertains to the subsidiary NBFC (Si Creva Capital Services Private Limited) and is based on on-book portfolio. 2 Long-term credit ratings of the NBFC subsidiary: A-/Stable by CRISIL and India Ratings, and A/Stable by Acuité Ratings. QQ22 FFYY22002277 QQuuaarrtteerrllyy RReessuullttss ||06 Performance Snapshot Company Overview 02 Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Company Overview Q2 FY2027 Quarterly Results | Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Business at a Glance Snapshot A full-stack digital lending 12.80 Mn ₹9,317 Cr A-/Stable1 Customers served Assets Under Management Credit Rating platform, built for India 45+ Pan-India 107 Lending Partners Coverage for PL LAP Branches Founded in 2016 Headquartered in Mumbai Core product Robust offering: underwriting Technology-first DNA with Strong Risk Management PL (6M to 60M), models & fraud Proprietary AI/ML underwriting using 7,200+ variables LAP (≤15 years) detection Key building Focused on Mass-Market & Mass-Affluent Segments blocks in place 78% of customers from Top 100 cities; 45% salaried for exponential scale Large Market Opportunity AI, tech & data at Balanced liability PL and LAP market projected to grow by 24% CAGR, to ₹33.4 Tn by FY30 the centre of profile with healthy driving efficiency mix of on-book & scale and off-book Distribution Network Pan India Digital footprint 1 Pertains to the subsidiary NBFC | PL - Personal Loans; LAP - Loan Against Property QQ22 FFYY22002277 QQuuaarrtteerrllyy RReessuullttss ||08 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Our Journey Milestones of impact and innovation 2017 2019 2022 2023 2024 2025 Q2FY27 ~₹10 Cr ~₹300 Cr ~₹400 Cr ₹1,268 Cr ₹2,604 Cr ₹4,087 Cr ₹9,317 Cr 560% 7%* 245% 105% 57% 73% Incorporated the Expanded distribution Si Creva classified as Launched Loan Deployed AI-led company and Entered merchant-led through 300+ retail a ‘Middle Layer’ NBFC Against Property underwriting and risk established the financing to deepen Listed on NSE & BSE partnerships and e- under RBI’s Scale (LAP) product to assessment models foundation for a c [Showing first 8,000 characters — download PDF for full document]