Submission of transcripts of audio recording of the conference call held on Wednesday, October 28, 2026 at 16:00 (IST) on the financial results for the quarter and half year ended on September 30, 2026

October 30, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Mumbai- 400001 Bandra- Kurla Complex, Bandra (East), Scrip Code: 533344 Mumbai- 400051 Scrip Symbol: PFS Sir/ Madam, Sub: Submission of transcripts of Audio recording of the Conference Call held on Wednesday, October 28, 2026 at 16:00 (IST) on the financial results for the quarter and half year ended September 30, 2026. With reference to our letter dated 14th October 2026, and pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed the Transcripts of Audio recording of the Conference Call held on Wednesday, October 28, 2026 at 16:00 (IST) on the financial results for the quarter and half year ended September 30, 2026. This is also available on the Website of the Company at www.ptcfinancial.com This is for your information and record please. 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 “PTC India Financial Services Limited Q2 and H1 FY '27 Investor Conference Call” October 28, 2026 MANAGEMENT: MR. RAJIV MALHOTRA – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – PTC INDIA FINANCIAL SERVICES LIMITED MR. DILIP SRIVASTAVA – DIRECTOR, FINANCE AND CHIEF FINANCIAL OFFICER – PTC INDIA FINANCIAL SERVICES LIMITED MR. SANJEEV KUMAR – DIRECTOR, OPERATIONS – PTC INDIA FINANCIAL SERVICES LIMITED MR. KALUR SRINIVAS – EXECUTIVE DIRECTOR, TREASURY – PTC INDIA FINANCIAL SERVICES LIMITED MS. PRIYA CHAUDHARY – HEAD, INVESTOR RELATIONS – PTC INDIA FINANCIAL SERVICES LIMITED Page 1 of 17 PTC India Financial Services Limited October 28, 2026 Moderator: Ladies and gentlemen, good day, and welcome to the Q2 and H1 FY '27 Investor Conference Call hosted by PTC India Financial Services Limited. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on your touch-tone phone. I now hand the conference over to Ms. Priya Chaudhary from PTC Financial. Thank you, and over to you, Ms. Priya. Priya Chaudhary: Thank you. Good afternoon, everyone, and welcome to the Q2 and H1 FY '27 Investor Call of PTC India Financials Limited. I'm Priya Chaudhary, Head, Investor Relations at PTC Financial. Q2 FY '27 marked a meaningful improvement in PFS' operating momentum with AUM returning to growth at INR3,684 crores, a 25% growth rate, while the loan sanctions and disbursements reached their highest level in several years at INR3,098 crores and INR1,595 crores, respectively. This reflects our continued focus on core infrastructure financing, leveraging established relationships and our 2 decades of sector experience for stronger execution. Our strategy remains centered on quality-led and diversified infrastructure lending across ticket sizes and the broader value chain with focused exposure to select sunshine sectors and renewable energy, which now constitutes around 45% of our loan book. We remain client-focused and execution-oriented while maintaining disciplined underwriting and a strong focus on asset quality and portfolio monitoring. The quarter also saw fresh bank sanctions and drawdowns, strengthening funding availability. Our gross Stage 3 remains contained, supported by adequate provisioning. We remain committed to building sustainable growth with prudent risk management and long-term value creation. I would now like to introduce the senior management team present in today's call, Mr. Rajiv Malhotra, MD and CEO. He is joined by Mr. Dilip Srivastava, Director, Finance and CFO; and Mr. Sanjeev Kumar, Director, Operations. With this, I would now like to hand over the call to our MD and CEO, Mr. Rajiv Malhotra, for his opening remarks and update on the company's performance. Over to you, sir. Rajiv Malhotra: So good afternoon, everybody, and thank you for joining us this afternoon. Some of you would have gone through the numbers that we've already shared with you. Now I'd just like to explain what the company's intent has been, although we have said so earlier in time. I think this was a quarter of setting the tone for what you will see more of in future. Like I said, infrastructure remains the focus. Quality assets, increasing the book size and thereby gathering value for the company and its shareholders, both on the asset side where you see a growth in the numbers, and that is after a few quarters, so it's a reversal of a trend. And then if you look at the liability side, again, you will see our footprint in the market. Page 2 of 17 PTC India Financial Services Limited October 28, 2026 As we go further, we expect the performance metrics to become better, like I have -- or we have been communicating in the past. Give us a couple of quarters when you will find spread metrics tightening for a bit because we are in the portfolio building phase. Next couple of quarters, this year, you will see us just following up on the starts made now. And with that, I'll close my remarks. And Priya, back to you. Priya Chaudhary: The call is now handed over to Sanjeev sir for comments on the business. Sanjeev Kumar: Thank you, Priya. Good evening, everyone. At the outset, I would like to mention that as we have closed H1 '27 we have sharpened our focus on building a meaningful, resilient and high- quality infrastructure lending portfolio. And as already explained by MD also, our objective has been -- going forward will be to leverage PFS's high core strength in infrastructure financing, go back to our basics, deepen our existing client relationship and drive sustainable growth across large, medium and small ticket size opportunities with a balanced focus on both private sector and PSU borrowers. I'm pleased to share that we have made some very good progress during Q2, and the business momentum built during the quarter is reflected in our operating performance also. Our loan assets have moved to an upward trajectory after a gap of 10 quarters, reaching INR3,684 crores. Sanctions during the quarter were at the 36 quarters high at INR3,098 crores, while disbursements were at 19 quarters high of INR1,595 crores. These are encouraging indicators of the traction we are seeing across our origination and execution and importantly demonstrate that the strategy we put in place at the beginning of the year is beginning to translate into the business outcomes. The momentum has been built through the quarter, and our focus is now to carry this forward through the remainder of FY '27 and beyond. We have a strong disbursement pipeline for the current quarter also, while simultaneously building a quality pipeline that can support sustained growth over the medium term. Our approach continues to be centered around quality-led growth with disciplined underwriting. We remained focused on understanding and underlying business and cash flows appropriate structuring and maintaining the right balance between growth and the risk. At the same time, we have adopted a client-focused and execution-oriented approach with greater engagement with our clients and a focus on faster turnaround in evaluation and execution of the opportunities, deepening our existing relationship remains an important part of our origination strategy, alongside developing new relationships. We are also pursuing a broad-based lending strategy across ticket size, enabling us to participate in a wider range of infrastruct [Showing first 8,000 characters — download PDF for full document]