Analysts/Institutional Investor Meet/Con. Call Updates

Ref No.: NACL/11/JUL/2026-27 July 27, 2026 To, To, BSE Limited, National Stock Exchange of India Ltd., Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Mumbai- 400001 Bandra (E) Scrip Code: 544260 Mumbai – 400 051 Scrip Symbol: NORTHARC Sub: Investor Presentation on the Unaudited Financial Results for the first quarter ended June 30, 2026. Ref: Our Intimation letter Ref No. NACL/04/JULY/2026-27 dated July 21, 2026, pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. With reference to the above intimation, please find enclosed the presentation to be presented before the investors/analysts in the Earnings Conference call / meet to be held on Monday, July 27, 2026, at 18:30 (IST) in connection with the Unaudited financial results (Standalone and Consolidated) for the first quarter ended June 30, 2026. This Investor Presentation is also available on the website of the Company at https://www.northernarc.com/financial-results For Northern Arc Capital Limited Prakash Chandra Panda Company Secretary & Compliance Officer Encl: Investor Presentation Q1 FY 26-27 Catalyst Trusteeship Limited, GDA House, Plot No.85, Bhusari Colony (Right), Paud Road, Pune 411 038. Investor Presentation Q1FY27 Financing the Retail Credit Needs of India’s AA-(Stable) Underserved Households & Businesses across By ICRA Limited & India Ratings focused sectors Disclaimer "This presentation and accompanying slides (the “Presentation”) has been prepared by Northern Arc Capital Limited (“Company”) to be presented during the analyst call as required under Regulation 46 (2)(o) of the SEBI (LODR) Regulations, 2015, and is not for release, distribution or publication, whether directly or indirectly, in whole or part, into or in any jurisdiction in which such release, distribution or publication would be unlawful, without the prior consent of the Company. Neither the Company nor any of its directors, affiliates, advisers or representatives accepts any liability whatsoever for any actual or consequential loss or damages howsoever arising from the provision or use of any information contained in this Presentation. By attending this presentation, you agree to be bound by the trailing restrictions. Any failure to comply with these restrictions may constitute a violation of applicable laws. No money, securities or other consideration is being solicited, and, if sent in response to this presentation or the information contained herein, will not be accepted. This presentation does not constitute or form part of any advertisement, invitation or inducement to sell or issue, or any recommendation to purchase or subscribe to, any securities of the Company. This Presentation has not been and will not be reviewed or approved by any regulatory authority, or by any stock exchange, in India, or any other jurisdiction. Content… 01 Business Overview 02 Direct to Customer 03 Credit Solutions 04 Risk Management Robust Technology Strong Liability 05 06 Stack Franchise Board & 07 Financials 08 Management Sustainability Business Overview Key Highlights – Q1FY27 Lending AUM Direct to Customer Mix Branches INR 16,855 64% 430 +26% +1,038 bps +61 Net Interest Income Credit Cost Net NPA INR 394 Cr 2.6% 0.5% +32% -44 bps -6 bps PAT RoA RoE INR 114 Cr 2.7% 11.5% +41% +29 bps +220 bps YoY growth Key highlights – Q1FY27 Total AUM grew by 26% YoY to INR 16,855 Cr Crossed D2C AUM crossed INR 10,000 crores milestone Received SEBI approval for 2 performing credit funds Reported highest ever Q1 profit after tax in history of Northern Arc ICRA assigned Outstanding ESG Impact Rating with score of 81 Entered MOU with Yes Bank to accelerate Inclusive Credit for Viksit Bharat 2047 94% of MFI AUM covered under CGFMU scheme Demonstrating growth in AUM and profitability across business cycles AAsssseett uunnddeerr mmaannaaggeemmeenntt INR crore MFI overleverage Demonetization IL&FS Crisis Covid Pandemic stress 16,594 16,855 13,634 13,351 11,710 9,009 7,108 2,734 3,664 3,883 4,342 5,221 1,019 1,655 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'20 Mar'21 Mar'22 Mar'23 Mar'24 Mar'25 Mar'26 Jun'25 Jun'26 PPrrooffiitt AAfftteerr TTaaxx excluding NCI (INR crore) 308 305 38 60 64 86 99 93 68 81 114 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 Q1FY26 Q1FY27 FY25 includes one time provision of INR 68 crore on account of DLG provision Northern Arc : Business Model FFiinnaanncciinngg tthhee CCrreeddiitt NNeeeeddss ooff IInnddiiaa’’ss UUnnddeerrsseerrvveedd HHoouusseehhoollddss && BBuussiinneesssseess Sectors 430 3.0 mn + MSME Consumer Rural Customers Branches Direct to Customer Lending Channels  Branches  Digital Lending –AUM INR 10,766 Cr Digital Partners Underwriting (Active) Solutions across focus sectors 373 1,500+ Lending –AUM INR 6,089 Cr Originator Investor Partners Partners Fund Management –AUM INR 2,988 Cr Credit Solutions Data & Tech platforms Placements –Volumes INR 1,611 Cr nPOS Tech Solutions Direct to Customers Lending Direct to Customers Lending: Built a strong retail engine Northern Arc Customer Base Leveraged learnings from the Credit Solution business to build : • A strong D2C engine MSME Consumer Finance Rural Finance • A robust underwriting and # Customers 47,000+ 25,52,000+ 4,73,641 product program Direct –Branch / Direct –Digital Direct –Branch • A seamless Digital Sourcing Channel Digital journey, and Secured –Collateral / Unsecured – CGFMU Quasi Secured –FLDG Security FLDG cover (94% of AUM) • A strong Collections Infrastructure Ticket Size INR 5 –25 lakhs INR 50,000 –5 lakh INR 40,000 –60,000 (Disbursements) AUM –INR 3,761 cr AUM –INR 5,802 cr AUM –INR 1,203 cr Growth : Building granular book with D2C AUM increasing to 64% D2C AUM Growth Aligned with Stated Strategy INR crore 10,766 9,792 1,203 Multi-channel Distribution Model 1,009 430 30 7,064 7,142 953 5,802 Digital Partners 1,100 Branches 5,833 5,092 (Active) 1,512 Backed by robust Underwriting & Technology 3,502 3,390 3,385 2,300 1,010 nPOS 1,659 1,091 3,691 3,761 2,574 2,687 523 2,021 Underwriting Co-lending & On- 1,284 Lending Platform Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 MSME Consumer Rural MSME – Fulfilling business credit needs through Phygital model Building strong footprint to scale granular portfolio Sustained Growth Momentum in MSME AUM INR crore CAGR 45% 90 Branches 7 States & 1 UT 3,691 3,761 2,574 2,687 2,021 1,284 662 Employees Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Powered by Bing © GeoNames, Microsoft, TomTom Secured LAP Product Characteristics LAP Collection Efficiency (X-Bucket) 97.6% 98.5% 99.0% 97.5% ATS Average Yield CIBIL Score INR 11-15 Lakhs 17% -19% 650+ Average LTV Average Tenure NACH Payment 46% 10+ years 100% Sep-25 Dec-25 Mar-26 Jun-26 Consumer Finance – Sustained Momentum in Consumption Demand Assets under Management INR crore Live Partners Ticket Size 19 Rs. 50,000 – 5,00,000 CAGR 77% Net Yield Average Tenure 15% - 16% 12 – 48 months 13 7 Backed by FLDG from CIBIL Score 8 7 Partners 650+ # Customers (‘000) 5,802 5,092 3,502 3,390 2,300 2,412 2,552 1,539 1,091 1,045 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-25 Jun-26 Mar-22 Mar-23 Mar-24 Mar-25 Mar-26 Jun-26 Rural Finance – Gaining AUM momentum following a period of conscious calibration Pan India Presence Disbursements gaining momentum INR crore 450 Disbursement Collection Efficiency (X-Bucket) 101.0% 99.6% 99.6% 100.0% 350 99.4% 99.1% 340 Branches 300 98.6% 98.7% 99.0% 98.3% 250 98.0% 59 97.5% 98.0% 19 200 2 12 8 States and 1 UT 150 305 328 97.0% 32 254 268 260 100 214 96.0% 50 101 116 2,219 Employees 0 95.0% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 4 128 Powered by Bing 94% of portfolio covered under CGFMU © GeoNames, Microsoft, TomTom Assets under Management grew by 19% QoQ One of the lowest PAR 30+% among MFI peers 4.5% 2.9% 2.6% 1,512 1.6% 1.4% 1,203 1,100 1,010 1,009 953 0.7% 0.8% 0.6% 0.4% Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 [Showing first 8,000 characters — download PDF for full document]