Investor Presentation

July 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 Presentation in relation to the Unaudited Standalone Financial Results of the Company for the quarter and three months ended on June 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 July 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 17,308 Mn Secured AUM 1,700+ dealers 7 States Present in CARE rating of BBB+ 1,956 employees & spread across 130 (Positive Outlook) & 1,007+ consisting of ACUITE A- locations rating of 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 416 Mn 12.13%^ 10.86%^ Average AUM 23.32%^ Return on Asset (%) Return on Equity (%) Net NPA Gross NPA 2.63%* 11.65%* 2.52%^ 3.41%^ Capital Adequacy Ratio Provision Coverage Debt Equity Ratio Disbursements 24.40%^ Ratio 26.00%^ 3.44 ^ INR 2,263 Mn Disbursement Disbursement Per AUM Per Employee Per Employee Location Per Month INR 8.84 Mn^ INR 1.16 Mn^ INR 16.89 Mn^ * Based on FY26 financials ^ Updated for Q1-FY27 3 Q1-FY27 Performance Total AUM Disbursement Net Interest Income Dealers (22.3% Growth) (36.9% Growth) (35.9% Growth) 1,784 (Q1-FY27) INR 17,308 Mn (Q1-FY27) INR 2,263 Mn (Q1-FY27) INR 416 Mn (Q1-FY27) 1,258 (Q1-FY26) INR 14,154 Mn (Q1-FY26) INR 1,653 Mn (Q1-FY26) INR 306 Mn (Q1-FY26) PAT NNPA GNPA Locations (35.7% Growth) 3.41% (Q1-FY27) 2.52% (Q1-FY27) 134 (Q1-FY27) INR 133 Mn (Q1-FY27) 3.47% (Q1-FY26) 2.64% (Q1-FY26) 76 (Q1-FY26) INR 98 Mn (Q1-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-generation entrepreneur. 17,127 17,308 • 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 Business Loans, MSME Lap Loans and Personal Loans. • Strong distribution network across 7 states through a dealer network of around 3,302 2,510 1,916 1750.+ 926 • Tied up with various PSU/Private Banks, NBFCs, for sourcing funds, FY 24 FY25 FY26 Q1-FY27 AUM Total Revenue • The company commands one of the fastest turnaround times for loan sanctions in Q1-FY27 Product Wise AUM Bifurcation the industry, with over 60% loans sanctioned in 1-minute and 92% loans in 1 day. • Almost 100% of loans given are under secured credit exposure. • Lowest NPAs in the industry. 2 Wheelers 84.1% • Manba provides paperless, hassle-free and quick finance solutions paralleled by Others their dedication to social responsibility, amplifying positive change within society 6.2% Personal Loans • The company merges innovation with empathy, utilizing technology to deliver rapid 5.1% Used Car loan solutions. 3 Wheelers Loans 3.1% 1.5% 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.” The majority of AUM is backed by the In-house collections team vs peers who financed asset itself even as Manba serves outsource — tighter recovery control at a new-to-credit borrowers, the loan book fraction of the cost 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's reliance 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 Wheelers continue to be the preferred mode of mobility for India – affordable, convenient & aspirational 3 Wheelers are powering last-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 Cars market 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 financing taps a large, underserved market with strong collateral-backed credit demand 2W Financing Market Size (INR Tn) Used Cars Financing Market Size (INR Tn) Manba Finance – 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 Manba Finance 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 June 2026 Expansion in South India and New-to-Credit First MSME LAP 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 130+ Financing income-generating assets that help self-employed individuals and small business owners improve livelihoods. Locations across 7 states Trust Built Through Repayment 1 Million+ Consistent EMIs build credit history, enabling future personal loans and long-term 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+ personnelfor collection • RM platform for bu [Showing first 8,000 characters — download PDF for full document]