Investors'' Presentation on the Financial Results for the quarter ended June 30, 2026

July 28, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Bandra- Kurla Mumbai- 400001 Complex, Bandra (East), Mumbai- 400051 Scrip Code: 533344 Scrip Symbol: PFS Subject: Investors’ Presentation on the Financial Results for the quarter ended June 30, 2026 pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Dear Sir/ Madam, In continuation to our letter dated July 28, 2026 regarding Unaudited Financial Results of the Company for the quarter ended June 30, 2026, we enclose copy of the Presentation on the said financial results. Further, pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, the said presentation shall also be made during the Analysts/Investors (Group Meeting) to be held on Wednesday, July 29, 2026, intimation of which was given to the Stock exchanges vide our letter dated July 21, 2026. This letter is also available on our website at www.ptcfinancial.com. You are requested to take the above information on records. 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 TABLE OF CONTENT 03. PFS Overview 07. Key Performance Metrics 04. Executive Summary 08. Q1 FY27 Highlights 05. Shareholder Information 09. Business Overview 06. Board of Directors 17. Financials PFS OVERVIEW RBI-classified Infrastructure Finance Company A subsidiary of PTC India Limited Incorporated in September 2006 (leader in electricity trading market) Focus on sustainable financing by delivering Aim to be the most preferred financial partner comprehensive and innovative solutions across across the sustainable infrastructure value chain infrastructure value chain Credit Rating CRISIL A (Negative)/A1 Listed on BSE & NSE in March 2011 ICRA A- (Stable) ) EXECUTIVE SUMMARY – Q1 FY27 Empowering sustainable infrastructure transformation through agile, impact-oriented financing FOCUS AREAS: 1. Power Infrastructure ₹2,946 Crores 2. Renewable Energy & Energy Transition Loan Assets as on 30th June ‘26 3. Transportation & Logistics ₹40 Crores 4. Water & Urban Infrastructure PAT for Q1 FY27 5. Energy Storage Infrastructure 6. Clean Mobility ₹103 Crores Total Income for Q1 FY27 7. Biofuels & Waste-to-Energy 8. Digital Infrastructure 9. Social & Commercial Infrastructure Facilities CRISIL ICRA NCD / Bonds CRISIL A / Negative* ICRA A- /Stable Long Term Loan CRISIL A / Negative* ICRA A- /Stable Short Term Loan CRISIL A1 - Commercial Paper CRISIL A1 - * CRISIL removed the company rating from 'Rating Watch with Developing Implications’ and reaffirmed it at CRISIL A (Negative) SHAREHOLDER INFORMATION As on 30th June, 2026 26.18% Top Shareholders (as on 30th June, 2026) PTC India Limited 64.99 Domestic Institutional Investor 5.05 1.75% FPI (Category I + Category II) 2.03 64.99% 2.03% 1.41% 3.64% PTC India Limited Mutual Funds Insurance Companies FPI (Category I + Category II) Body Corporates Individuals & Others BOARD OF DIRCTORS Mr. Manoj Kumar Jhawar Mr. Rajiv Malhotra Non-Executive Chairman MD & CEO (Addl. Charge) Over 35 years of leadership experience in the power MD & CEO at PTC India Limited and infrastructure sector. ED & Group CRO at PTC India Limited Mr. Manas R. Mohanty Ms. Mini Ipe Independent Director Independent Director Ex-RBI official Ex-MD of Life Insurance Corporation of India Mr. P RAMANA MURTHY Ms. Rashmi Verma Independent Director Independent Director Seasoned banker with over 32 years of experience Retired IAS, with over 36 years of experience Mr. Dilip Srivastava Mr. Sanjeev Kumar Director (Finance) & CFO Director (Operations) Former WTD & CFO of a large state PSU with nearly Spanning over 3 decades of experience in corporate, 30 years ofexperience retail, construction and infrastructure financing KEY FINANCIAL METRICS- QUARTERLY SNAPSHOT TOTAL INCOME (IN ₹ CR) PAT (IN ₹ CR) DISBURSEMENTS (IN ₹ CR) 142 137 162 119 138 103 117 46 40 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 RETURN ON ASSETS (%) NET STAGE III (IN ₹ Cr) NIM (%) 9.77 4.75 4.63 4.46 3.60 3.31 47 47 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q4 FY26 Q1 FY27 Q1 FY27 HIGHLIGHTS • Leadership transition with a sharper focus on core strengths • Leveraging PFS's deep infrastructure financing capabilities to drive growth • Comprehensive business strategy across loan sizes and infrastructure value chain • Transition to a balanced lending portfolio across Private, PSU & Government entities • Deepening existing relationships to drive business growth • CRISIL reaffirmed rating at CRISIL A (Negative)/A1; rating removed from 'Watch with Developing Implications’ category OVERVIEW BUSINESS OPERATIONAL PERFORMANCE: COMPARATIVE VIEW SECTOR-WISE OUTSTANIDNG Q4 FY26 Q1 FY27 TOTAL-₹3,292 Cr TOTAL-₹2,946 Cr Renewable Sustainable Infra Transmission Road Renewable Sustainable Infra Transmission Road Distribution Thermal Other* Distribution Thermal Other* * Other Sector -port, manufacturing, mining Sustainable Infra include –Water treatment, E-Mobility SECTORAL COMPOSITION OF THE PORTFOLIO Utilities 955.91 Conventional Power & Transmission 687.55 Renewable Infra 558.50 Digital Infra 236.55 Transportation Infra 188.02 Biofuel, Wastewater & Emerging Infra 63.44 Others 256.03 In ₹ Crores BLUEPRINT FOR FUTURE Scaling with Strength: Driving Sustainable & Profitable Growth FY27 – Driving Profitable & Disciplined Growth 1. Leverage PFS’s core infrastructure financing capabilities 2. Pursue infrastructure opportunities across loan sizes and value chain 3. Drive disciplined and sustainable loan book growth 4. Expand lending across Private, PSU and Government entities 5. Deepen sector specialization and structured financing capabilities 6. Broaden funding sources and optimize capital deployment 7. Balance data-driven analytics with experiential judgment 8. Committed to advancing ESG-led sustainable infrastructure financing ROBUST AND WELL STRUCTURED ALM Structured Liquidity Statement as on June 30, 2026 Liquidity Coverage Ratio In ₹ Crores 730 715 649 1,284 323% 3,887 252% 181% 2,603 2,395 166% 1,747 1,649 116% 1,138 Upto 3M Upto 6M Upto 1Y Upto 3Y Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cumulative Total Inflows Cumulative Total Outflows Net Cash Flows serorC BUILDING RESILIENCE 3,120 3,080 3,034 2,978 2,891 2,754 2% 2% Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Networth Net Stage III/Networth THRUST ON ENHANCING ASSET QUALITY In ₹ Crores 01 Significant improvement inasset quality 02 Improvement in asset quality driven by recoveries 03 Provision Coverage Ratio for Stage III assets at 75% in Q1 FY27 193 193 190 190 04 Nonew slippages inQ1FY27 47 47 47 47 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1FY27 Gross Stage III Accounts Net Stage III Accounts *amounts are post IndAS adjustments LATNEMNORIVNE • Focus on Green & Sustainable Finance • Integrated ESMS into credit due diligence LAICOS • Gender diversity & equal opportunity • Equal pay for equal work • Employee well-being & inclusive workplace • CSR & community development • Research & innovation for social impact • Crop residue management • Water conservation & regeneration • Community plantation for carbon footprint reduction ECNANREVOG SUSTAINABILITY AND ESG FOCUS • Strong Board oversight & accountability • Ethical business conduct & integrity • Robust whistleblower & vigil mechanism • Comprehensive risk management framework • Strong regulatory compliance culture • Transparent financial & ESG disclosures • Board diversity & capability FINANCIALS KEY BALANCE SHEET INDIC [Showing first 8,000 characters — download PDF for full document]