Investor Presentation

ICFL/LS/0082/2026-27 Date: July 29, 2026 BSE Limited National Stock Exchange of India Limited Listing Department, 1st Floor, Exchange Plaza, C-1, Block G, P J Towers, Dalal Street, Fort, Bandra Kurla Complex, Bandra, Mumbai - 400 001. (E), Mumbai – 400 051. Scrip Code: 541336 Symbol: INDOSTAR Dear Sir/ Madam, Subject: Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”). Pursuant to Regulation 30 of the Listing Regulations, please find enclosed Investor Presentation on the unaudited Standalone and Consolidated Financial Results of the Company for the quarter ended June 30, 2026. Kindly take the above on your records. Thanking you, Yours faithfully, For IndoStar Capital Finance Limited Shikha Jain Company Secretary & Compliance Officer (Membership No. A59686) Enclosed.: a/a IndoStar Capital Finance Limited Registered Office: Silver Utopia, Third Floor, Unit No 301-A, Opposite P & G Plaza, Cardinal Gracious Road, Chakala, Andheri (E), Mumbai - 400099, India. | T +91 22 4315 7000 | contact@indostarcapital.com | www.indostarcapital.com CIN: L65100MH2009PLC268160 INDOSTAR CAPITAL FINANCE Investor Presentation | June 2026 Safe Harbor This presentation and the accompanying slides (the “Presentation”), which have been prepared by IndoStar Capital Finance Limited (the “Company’), have been prepared solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment whatsoever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Certain matters discussed in this Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertainties include, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, the Company’s ability to successfully implement its strategy, the Company's future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cashflows, the Company's market preferences and its exposure to market risks, as well as other risks. The Company's actual results, levels of activity, performance or achievements could differ materially and adversely from results expressed in or implied by this Presentation. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third-party statements and projections. All Maps used in the Presentation are not to scale. All data, information and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness. INDEX Company Overview 01 Business Performance Update 02 Vehicle Finance 03 Micro LAP 04 Asset Quality 05 Borrowing Profile 06 Financial Parameters 07 Standalone Financial Performance 08 Credit, Collection, Information Technology & Risk Management 09 Ownership Structure and Management Team 10 Consolidated Financial Performance 11 Company Overview IndoStar : Strong Fundamentals, Structured for Scale Strong presence in two large, underserved segments – Used Vehicle Finance and Micro-LAP with first-mover advantage in several Tier-4 and Tier-5 markets and strong brand recall among core customer segments Secured and granular portfolio with healthy yields of ~17% and improving cost of funds, driving stable NIM of ~8.8% Pan-India distribution network of 468 branches, providing deep reach and the ability to scale AUM meaningfully, driving operating leverage Strong and under-levered balance sheet (CAR 34%+, D/E 1.54x) enabling significant growth headroom without equity dilution Strengthened Risk Architecture, upgraded underwriting, customer selection filters, scorecard-based decisioning, aligned incentives and deployed early-warning systems 6 Experienced leadership team with proven execution capability and deep sector experience Defining our Purpose: Vision, Mission & Values Our Vision Our Mission “Partner with our customers on their journey to “To be a major financial service provider to our target financial success.” customers through empowered happy employees, and deliver a competitive shareholder return while maintaining highest ethical behaviour standards” Core Values​ Resilience Ethics​ Accountability Collaboration​ High-Performance​​ Ability to withstand and Understanding the essence Responsibility and Work as a team Achieving exceptional bounce back from difficult, of Code of Conduct ownership to the towards a common results by exceeding adverse or challenging and governing committed actions, goal, through shared expectations, and situations.​ Business principles​ decisions and the knowledge, to consistent performance. outcomes of those actions.​ achieve a desired outcome​ Transforming NBFC: Retail Centric & Tech Driven Retail-led NBFC focused on Vehicle Finance and Micro LAP Asset quality preservation through disciplined underwriting, proactive collections, and tech-led monitoring Exit from Affordable Housing Finance – simplified portfolio and Digital tools (Indo Mitra, Scorecards, Connector Apps) enhancing sourcing, focus on core business underwriting, and collections efficiency Project LEAP (Lean, Efficient, Agile, Profitable) driving Micro LAP launch in FY2024–25 – a key milestone in the retail efficiency, agility and operational discipline to improve transition, with disbursements gaining steady momentum profitability Disciplined execution and operational compounding Scaling up used vehicle financing leveraging deep domain expertise, across business Continuously build credibility across stakeholders – while diversifying the portfolio through deeper penetration in investors, lenders, employees, and customers Passenger Vehicles, Farm Equipment, and Construction Equipment segments. Key Strengths First mover advantage in High brand recall among transporters, small- Referral-led sourcing model driving efficient Leveraging the vehicle finance network Several tier 4 & 5 cities business owners, and local communities and cost-effective customer acquisition. to offer Micro LAP. Strong National Footprint: Ready to Scale No States 468 Branches Across 24 States & UT Branches & Human Capital 1 ANDHRA PRADESH – 25 # Branches 2 ASSAM – 9 3 BIHAR – 18 4,752 4,585 4 CHATTISGARH – 12 2 4,140 4,082 4,090 5 GOA - 1 10 6 GUJARAT – 26 7 HARYANA – 11 8 HIMACHAL PRADESH – 2 30 9 451 441 448 454 468 9 JHARKHAND – 12 34 1 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 10 KARNATAKA – 22 11 KERALAM – 36 26 35 12 29 Branch Human Capital 12 MADHYA PRADESH – 35 13 MAHARASHTRA – 34 12 Branch Vintage (No. of Branches) 14 MEGHALAYA – 1 15 NEW DELHI – 1 34 AUM Mix (Geograph [Showing first 8,000 characters — download PDF for full document]