Please find the enclosed transcript for the earning call held for quarter and three months ended June 30, 2026.

July 30, 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: Transcript of conference call held in respect of the Financial Results for the quarter ended 30th June, 2026 Ref: Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (the ‘SEBI Listing Regulations’) Dear Sir / Madam, In furtherance of our letter dated 20th July, 2026 for Analyst / Investor Earning Conference Call and in pursuant to Regulation 30 and 46 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended from time to time, enclosed herewith the transcript of the Earning Conference Call with the Investors and Analysts held on Tuesday 28th July, 2026 at 02.00 P.M. (IST) to discuss the operations and financial performance for the quarter ended on 30th June, 2026. The transcript of the earning conference call will be available on the website of the Company at: www.manbafinance.com You are requested to take the above on record. Thanking You. For Manba Finance Limited Bhavisha Jain Company Secretary and Compliance Officer Encl: As above “Manba Finance Limited Q1 FY27 Earnings Conference Call” July 28, 2026 MANAGEMENT: MR. MANISH SHAH – MANAGING DIRECTOR – MANBA FINANCE LIMITED MR. JAY MOTA – EXECUTIVE DIRECTOR AND CHIEF FINANCIAL OFFICER – MANBA FINANCE LIMITED MODERATOR: MS. SANJANA SIVARAM – DAM CAPITAL Page 1 of 12 Manba Finance Limited July 28, 2026 Moderator: Ladies and gentlemen, good day and welcome to Manba Finance Limited Q1 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. Sanjana Sivaram from Dam Capital. Thank you and over to you, ma'am. Sanjana Sivaram: Thank you. Good afternoon, everyone. Welcome to Q1 FY27 earnings call of Manba Finance Limited. On behalf of Dam Capital, I would like to thank the management for giving us the opportunity to host this call. Today we have with us from the management team Mr. Manish Shah, the Managing Director, and Mr. Jay Mota, the Executive Director and Chief Financial Officer. I'll hand over the call to the management for opening remarks, post which we will open the floor for Q&A. Over to you, sir. Manish Shah: Yes, hello. Moderator: Yes, sir, you may proceed. Manish Shah: Good afternoon, everyone, and thank you for joining our earnings call today to discuss the performance for the first quarter of the financial year 2027. I would also like to thank Dam Capital for hosting this earnings call. Let me first start by giving a brief overview of the company and operational highlights, followed by which our CFO will brief you on the financial performance for the first quarter and financial year 2027. Manba Finance Limited is an NBFC offering range of financial solutions, including loans to new two-wheeler, three-wheeler, used car, MSME LAP, top-up loan and personal loan, used two- wheelers, recently started battery replacement loans. We are currently operating in 130 locations across seven states, precisely Maharashtra, Gujarat, Rajasthan, MP, Chhattisgarh, UP and Karnataka just started. Our distribution network includes 1,700 plus dealers. We have secured funding from almost three public sector, 10 private sector banks, 25 NBFCs. We have a total team size of approximately 1,950 employees, out of which more than 1,000 plus employees are a part of sales team. Our internal collection team ensures low NPAs in the industry. The company commands one of the fastest turnaround times for loan sanction in the industry with over 60% of our loans sanctioned in one minute and 92% of the loan sanctions on the same day. During the quarter, we took a significant step in our national expansion journey by entering the South Indian market through a strategic partnership with Sreesastha, operating as Nammaloan. Page 2 of 12 Manba Finance Limited July 28, 2026 This collaboration will commence in -- already started in Karnataka, which will be followed by Tamil Nadu within this financial year, with a phased entry planned across other South Indian states thereafter. We will begin with our core product strength new and used two-wheeler loans, three-wheeler loans and used car loans, reflecting our disciplined phased approach to building a well- underwriting book in the region. We also continue to strengthen our EV and rural lending franchise through strategic partnership with AMU Leasing and S.H. Finserv, further expanding our customer reach in this high-growth segments. During the quarter, we also expanded our product portfolio with two strategic initiatives. We commenced disbursement under our MSME loan against property, LAP, making our entry into the secured MSME lending segment. Further strengthening our presence in the EV financing ecosystem, we launched our battery replacement finance product, a dedicated solution to finance lithium-ion battery replacement for electric three-wheeler, addressing one of the largest recurring cost for a e-rickshaw and e-cart operators. The offering has been introduced initially for to our existing e-three-wheeler customer base and will be gradually expanded to the wider market. With this initiative, we continue to broaden our lending portfolio across two-wheelers, three-wheelers, used car, electric vehicles, small business loan, personal loan, top-up loan, creating a more diversified and resilient lending franchisee for the long-term growth. Further, the company declared first interim dividend of INR0.25 per equity shares on a face value of INR10 each for the financial year ‘26, ‘27, reflecting our continued commitment towards shareholders value creation. Looking ahead, we remain focused on deploying our capital in a disciplined manner by diversifying our product portfolio, deepeningour presence in the EV and rural financing and taking our first steps into South India. Our interim dividend reflects our confidence in the business and our commitment to creating long-term value for our shareholders as we continue to scale. Based on the strong momentum we have built, we remain confident of delivering AUM growth of 35% to 40% growth during the current financial years. Now I request our Executive Director and CFO, Mr. Jay Mota, to brief you on the financial performance for the period under review. Over to Jay. Jay Mota: Good afternoon, everyone. Let me provide a brief overview of the financial performance for the first quarter of the financial year 2027. For the first quarter under review, the net interest income stood at INR42 crores, registering a significant growth of 36% year-on-year. Profit after tax for the quarter increased by 36% year-on-year to INR13 crores, reflecting a healthy profitability and continued operational momentum. As of June 30th, 2026, our asset under management stood at INR1,731 crores, reflecting a robust year-on-year growth of 22%. During the period, disbursement grew by 37% year-on-year to INR226 crores, reflecting a strong demand across the core vehicle finance portfolio and continued execution across existing market. We further expanded our presence across Uttar Pradesh, Madhya Pradesh, Maharashtra Page 3 of 12 Manba Finance Limited July 28, 2026 and Gujarat, strengthening our portfolio in these states and adding Karnataka into our mix. Talking about the product mix for the period under review, the two-wheeler accounted for 84.1%, top-up loans 5.1%, three-wheeler 3.1% and used vehicle loan 1.5%. This clearly demons [Showing first 8,000 characters — download PDF for full document]