Analysts/Institutional Investor Meet/Con. Call Updates

11th November, 2026 To, To, Listing Department The Manager – Compliance Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, ‘Exchange Plaza’ Bandra Kurla Complex, Mumbai – 400 001 Bandra (East) Mumbai 400051 Scrip Code: 508954 NSE Symbol: FINKURVE Dear Sir/Madam, Sub: Transcript of the Earnings Call organized by the Company on November 6, 2026, on Financial Performance on business performance and results for the Quarter and half year ended September 30, 2026. We are enclosing herewith the Transcript of Earnings Call held on November 6, 2026, at 03:00 P.M. This information is also available on the Company’s website at www.arvog.com. Thanking you, Yours truly, For Finkurve Financial Services Limited Kajal Parmar Company Secretary & Compliance Officer Membership No. A65484 “Finkurve Financial Services Limited Q2 & H1 FY27 Earnings Conference Call” November 06, 2026 MANAGEMENT: MR. PRIYANK KOTHARI – WHOLE TIME DIRECTOR MR. C.V. RAJENDRAN - DIRECTOR MR. AAKASH JAIN – CHIEF FINANCIAL OFFICER MODERATOR: MS. FORUM GOSHAR – ADFACTORS PR (INVESTOR RELATIONS) Page 1 of 14 Finkurve Financial Services Limited November 06, 2026 Moderator: Ladies and gentlemen, good day and welcome to the Finkurve Financial Services Limited Q2 & H1 FY27 Earnings Conference Call. 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 touchtone phone. Please note that this conference is being recorded. I now hand the conference over to Ms Forum Goshar from Adfactors PR (Investor Relations). Thank you, and over to you, Ms. Forum Forum Goshar: Good evening everyone. I am Forum Goshar from AdFactors PR Investor Relations. On behalf of Finkurve Financial Services Limited, it is my pleasure to welcome you all to the Q2 & H1 FY27 Earnings Conference Call. We have Finkurve's senior management team with us. We will begin today's call with opening remarks from the management, following which we would open the floor for Q&A session. Before we begin, I would like to remind everyone that certain statements made during this call may be forward-looking in nature. These statements are based on management's current expectations and are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied. Finkurve Financial Services Limited undertakes no obligations to publicly update or revise any forward-looking statements based on subsequent events or developments. With that, I would like to hand over the call to Mr. Priyank Kothari to deliver his opening remarks. Thank you, and over to you, Priyank. Priyank Kothari: Good afternoon and Happy Dhanteras to everyone and thank you all for joining us for the Finkurve Financial Services Earnings Call for Q2 & H1 FY27. We are pleased to share that we have continued to make steady progress during the quarter, with the business remaining focused on disciplined growth, portfolio quality, and strengthening our operating platform. Our journey over the last few years has been about building a sustainable gold loan franchisee and we continue to remain committed to our core philosophy of putting risk management, governance, and execution excellence ahead of growth. During the quarter, we continue to see steady progress across our key operating initiatives. Our focus remained on improving branch productivity, strengthening customer relationships, expanding our lending partnerships, and building the capabilities required to support the next phase of growth. From an industry perspective, the quarter continued to see the gold loan sector adapt to the revised regulatory framework. While these changes have resulted in some near-term recalibration across the industry, we believe they are positive for the long-term development of the sector by creating greater transparency, discipline, and customer confidence. Page 2 of 14 Finkurve Financial Services Limited November 06, 2026 Another important development during the quarter was correction in gold prices from the highs witnessed earlier this year. We would like to reiterate, that our business model is not built on the assumption that gold prices will continuously rise. A strong gold loan franchisee should be able to perform across cycles, whether gold prices move upwards, remain stable, or correct. Our conservative lending practices, disciplined loan-to-value approach, continuous collateral monitoring, and robust risk management processes have ensured that the recent volatility has had no material impact on the quality of the portfolio. During this period, we have also continued to strengthen the organization and build capabilities for the future. We have further strengthened our leadership team with the appointment of our Chief Compliance Officer and continue to invest in a risk, technology, operational, and governance framework. Another important milestone is our transition towards adopting the Augmont brand across our gold loan business. Historically, operating under different brand identities created some confusion among customers. Moving towards a single unified Augmont brand, will provide customers with greater clarity, strengthen our ability to build greater trust and recognition in the market. We believe this is an important step towards creating a stronger customer-facing franchisee while leveraging the long-standing credibility and ecosystem of the Augmont brand. Overall, our focus remains unchanged. To build a long-term sustainable gold franchising institution where risk management and operational excellence remain ahead of growth. With that, I would now like to request our CFO to take you to the financial performance for the quarter. Following that, we will be happy to take your questions. Aakash Jain: Thank you, Priyank, and good afternoon everyone. Happy Dhanteras. This is Aakash Jain, Chief Financial Officer of the company. Priyank has already set out the strategic picture, and I will now take you through the second quarter's financial performance. Let me start with the headline numbers. Our AUM has grown about 95% YoY, and profitability is again up. So, this is one of the best quarters wherein the highest operational profitability has been reported, and it is up by 62% YoY. Our branch network again has increased from 92 branches last year, 30th September, to 122 branches, which is almost 2.5 branches per month. Our total income has grown from by almost 88%. We have maintained adequate liquidity in terms of ALM. We have positive cumulative mismatches across all our buckets. In terms of ratios, we have very healthy ratios. Our capital adequacy today is at 28.7%. Our ROA is at 3% and ROE has crossed 10%, first time after a couple of quarters, despite of having a leverage of more than 2.5x. These are our critical key highlights. With that, we also have increased our share of co-lending. That's again a very efficient way of managing Tier 1 Capital. With continued focus on increasing the off book, we will ensure that this particular proportion grows to a reasonable number in the coming quarters. With that, I will ask the moderator to open the floor for Q&A. Thank you. Page 3 of 14 Finkurve Financial Services Limited November 06, 2026 Moderator: Thank you. The first question comes from the line of Vedant Trivedi with Vinayak Capital. Please go ahead. Vedant Trivedi: Thank you for opportunity and Happy Dhanteras to team. Firstly, with banks becoming increasingly aggressive in gold lending and offering more competitive interest rates, how does the company plan to differentiate itself from banks and larger gold NBFCs? Priyank Kothari: In terms of product differentiation, there is no differentiation, but there's a lot of different customer segments that exist. Even today, if you see, there' [Showing first 8,000 characters — download PDF for full document]