Investor Presentation

July 29, 2026 To To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G Dalal Street, Fort, Mumbai – 400 001 Bandra Kurla Complex Scrip Code - 544754 Bandra (East), Mumbai – 400 051 Symbol - KISSHT Dear Sir / Madam, Subject: Investor Presentation on Unaudited Financial Results for the quarter ended June 30, 2026. We refer to our intimation dated July 24, 2026, informing that an earnings conference call is scheduled to be held on Thursday, July 30, 2026 at 12:00 Noon (IST), pursuant to the Regulation 30 read with clause 15 of Para A of Part A of Schedule III of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. In this regard, we enclose herewith the Investor Presentation on Unaudited Financial Results for the quarter ended June 30, 2026. The same is also being uploaded on the website of the Company at https://www.kissht.com/investor- relations/investor-meet. You are requested to take the above information on record. Thanking you, For OnEMI Technology Solutions Limited (formerly known as OnEMI Technology Solutions Private Limited) Shraddha Rajkumar Patangia Company Secretary and Compliance Officer Membership No.: A55210 OnEMI Technology Solutions Limited Earnings Presentation Q1 FY2027 Q1 FY2027 Quarterly Results | Disclaimer This presentation has been prepared by OnEMI Technology Solutions Limited (“the Company”) for informational purposes only and should not be construed as an offer, invitation, or recommendation to buy or sell any securities of the Company. Certain statements contained in this presentation may constitute “forward-looking statements”, including statements regarding the Company’s anticipated financial and operational performance, business plans, growth strategies, market opportunities, and future developments. These statements are based on management’s current expectations, assumptions, estimates, and projections and are subject to various risks and uncertainties that could cause actual results to differ materially from those expressed or implied. The Company undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. This presentation is for the quarter ended June 30, 2026. Unless stated otherwise, figures are per Ind-AS Consolidated accounts of OnEMI Technology Solutions Limited Expanding India’s credit Performance Company 01 02 horizon through Snapshot Overview technology Pg 05 Pg 07 Risk Management Portfolio Performance 03 04 Framework and Asset Quality Pg 20 Pg 27 Liability and Financial 05 06 Capital Performance Pg 31 Pg 37 CEOs Letter Building resilience. Scaling trust. Shaping the future of credit. Dear Fellow Shareholders, Strengthening fundamentals Disciplined Priorities Q1FY27 marks a landmark quarter in Kissht's journey, as we successfully completed our listing on the NSE and BSE in May 2026 - the culmination of over a • Asset Quality: GNPA stood at 2.25%, • Cost base: As AUM scales, both cost of decade of building a technology-first lending representing a 139 bps YoY improvement, borrowings and operating expenses (as % franchise. with a modest 13 bps sequential increase, of average AUM) are expected to reduce. while continuing to reflect a strong portfolio This milestone was matched by strong operating quality trend. • Margins: Benefits of cost reduction to be momentum, with AUM crossing ₹8,000 crore, up 61% passed on to customers which will lead to YoY and 13% QoQ. • Growth: AUM increased 61% YoY and 13% better customer selection and reduced QoQ to ₹8,001 crore, driven by continued impairment cost. As a listed entity, we now carry forward the same portfolio expansion. underwriting and collections discipline that got us • Secured mix: LAP AUM contributes 7.7% of here, with a sharper focus on capital efficiency and • Profitability: PAT grew 59% YoY and 16% AUM as of Jun-26 (vs 7.3% in Mar-26 and QoQ to ₹95 crore in Q1FY27. 2.5% in Jun-25), with scale-up expected to shareholder value creation. continue through the remaining quarters of • Return Ratios: RoAAUM of 5.0% and RoAE of FY27, and beyond. 21.2% in Q1FY27. We continue to track towards our FY27 guidance, supported by the strength of our operating Ranvir Singh performance and disciplined execution. Chairman, Director & CEO QQ11 FFYY22002277 QQuuaarrtteerrllyy RReessuullttss ||04 Performance Snapshot Company Overview 01 Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Performance Snapshot Q1 FY2027 Quarterly Results | Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Q1 FY27 Snapshot Metrics of momentum 2.25% 0.36% 84.13% 96.82% Asset quality GNPA (Stage 3)1 NNPA1 PCR1 Collection Efficiency (DPD 30) + 13 bps - 139 bps + 6 bps + 2 bps - 202 bps - 653 bps - 33 bps - 33 bps 12.25 Mn 3.49 Mn ₹8,001 Cr ₹677 Cr Scale Customers served (Cumulative) Active Customers AUM Total Income + 4% + 26% + 7% + 111% + 13% + 61% + 8% +45% ₹256 Cr ₹95 Cr 5.05% 21.20% Profitability PPOP PAT RoAAUM RoAE + 14% + 42% + 16% + 59% 0 bps - 23 bps - 411 bps - 168 bps A-/Stable 40.19% 0.91x ₹2,245 Cr Capital & Liability Credit Rating (Long Term)1 Capital Adequacy Ratio1 Debt to Equity Net Worth + 1,491 bps + 1,478 bps - 0.87 - 0.64 + 67% + 107% QoQ | YoY 1 Pertains to the subsidiary NBFC (Si Creva Capital Services Private Limited) and is based on on-book portfolio. QQ11 FFYY22002277 QQuuaarrtteerrllyy RReessuullttss ||06 Performance Snapshot Company Overview 02 Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Company Overview Q1 FY2027 Quarterly Results | Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Business at a Glance Snapshot A full-stack digital lending 12.25 Mn ₹8,001 Cr A-/Stable1 Customers served Assets Under Management Credit Rating platform, built for India 45+ 17,000+ 101 Lending Partners Pin codes covered LAP Branches Founded in 2016 Headquartered in Mumbai Core product Robust offering: underwriting Technology-first DNA with Strong Risk Management PL (6M to 60M), models & fraud Proprietary AI/ML underwriting using 7,200+ variables LAP (≤10 years) detection Key building Focused on Mass-Market & Mass-Affluent Segments blocks in place 78% of customers from Top 100 cities; 47% salaried for exponential scale Large Market Opportunity AI, tech & data at Balanced liability PL and LAP market projected to grow by 24% CAGR, to ₹33.4 Tn by FY30 the centre of profile with healthy driving efficiency mix of on-book & scale and off-book Distribution Network Pan India Digital footprint 1 Pertains to the subsidiary NBFC | PL - Personal Loans; LAP - Loan Against Property QQ11 FFYY22002277 QQuuaarrtteerrllyy RReessuullttss ||08 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Our Journey Milestones of impact and innovation 2017 2019 2022 2023 2024 2025 Q1FY27 ~₹10 Cr ~₹300 Cr ~₹400 Cr ₹1,268 Cr ₹2,604 Cr ₹4,087 Cr ₹8,001 Cr 560% 7%* 245% 105% 57% 71% Incorporated the Expanded distribution Si Creva classified as Launched Loan Deployed AI-led company and Entered merchant-led through 300+ retail a ‘Middle Layer’ NBFC Against Property underwriting and risk established the financing to deepen Listed on NSE & BSE partnerships and under RBI’s Scale (LAP) product to assessment models foundation for a customer acquisition on 8th May, 2026 e-commerce platform Based Regulations diversify secured across lending technology-led lending channels integrations framework lending exposure workflows platform Strengthened omni- Onboarded Sachin Enhanced Expanded longer-tenure channel sourcing Str [Showing first 8,000 characters — download PDF for full document]