Analysts/Institutional Investor Meet/Con. Call Updates

August 3, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, Exchange Plaza, C-1, Block G, Mumbai- 400001 Bandra- Kurla Complex, Bandra (East), Scrip Code: 533344 Mumbai- 400051 Scrip Symbol: PFS Sir/ Madam, Sub: Submission of transcripts of Audio recording of the Conference Call held on Wednesday, July 29, 2026 at 4:00 PM (IST) on the financial results for the quarter ended June 30, 2026. With reference to our letter dated 21st July, 2026, and pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, enclosed please find the Transcripts of Audio recording of the Conference Call held on Wednesday, July 29, 2026 at 4:00 PM (IST) on the financial results for the quarter ended June 30, 2026. This is also available on the Website of the Company at www.ptcfinancial.com This is for your information and record please. 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 “PTC India Financial Services Limited Q1 FY '27 Conference Call” July 29, 2026 MANAGEMENT: MR. RAJIV MALHOTRA – MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER – PTC INDIA FINANCIAL SERVICES LIMITED MR. DILIP SRIVASTAVA – DIRECTOR FINANCE AND CHIEF FINANCIAL OFFICER – PTC INDIA FINANCIAL SERVICES LIMITED MR. SANJEEV KUMAR – DIRECTOR, OPERATIONS – PTC INDIA FINANCIAL SERVICES LIMITED MR. KALUR SRINIVAS – EXECUTIVE DIRECTOR – PTC INDIA FINANCIAL SERVICES LIMITED MS. PRIYA CHAUDHARY – HEAD, INVESTOR RELATIONS – PTC INDIA FINANCIAL SERVICES LIMITED Page 1 of 9 PTC India Financial Services Limited July 29, 2026 Moderator: Ladies and gentlemen, good day, and welcome to the Q1 FY '27 Conference Call hosted by PTC India Financial Services Limited. 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 touch-tone phone. Please note that this conference is being recorded. I now hand the conference over to Ms. Priya Chaudhary from PTC Financial. Thank you, and over to you, Priya. Priya Chaudhary: Thank you. Good evening, everyone, and welcome to Q1 FY '27 Investor Call of PTC India Financial Services Limited. I'm Priya Chaudhary, Head, Investor Relations at PTC Financial. Q1 FY '27 was a relatively muted quarter for PFS. However, the company remains focused on leveraging its 2-decade experience and core strengths in infrastructure financing to build a balanced and a sustainable growth trajectory. Our strategy is centered on infrastructure financing as our primary growth engine, with opportunities spanning diverse loan sizes and broader infrastructure value chains. We aim to build a diversified lending portfolio across private sector, PSU and government organizations, while deepening existing relationships and leveraging our sector expertise and structured financing capabilities. While Q1 FY '27 was muted, we remain encouraged by the opportunities emerging across the infrastructure financing ecosystem and remain committed to sustainable and risk-aware growth, along with long-term value creation. I would now like to introduce the senior management team present on today's call. It gives me immense pleasure to welcome Mr. Rajiv Malhotra, our MD and CEO, on his maiden investor call with PFS. He is joined by Mr. Dilip Srivastava, Director-Finance and CFO; and Mr. Sanjeev Kumar, Director, Operations. With this, I will now like to hand over the call to our MD and CEO, Mr. Rajiv Malhotra, for his opening remarks. Over to you, sir. Rajiv Malhotra: Thank you, Priya. Good afternoon, all. Thank you for joining us this afternoon. I think Priya has pretty much summarized what this quarter has been. Of course, we have a more detailed commentary coming from Mr. Dilip Srivastava when he speaks of the numbers. Also Sanjeev ji, who's Director Operations, people who you are otherwise familiar with. I guess I'm the only new name here. A short statement really on our intent. We remain focused on our core of infrastructure financing. And we are bullish on how infrastructure in this country is going to grow over the next decade or more. We turned 20 this year. Thank you, Priya, for also reminding us of that. And with that, we are here to help you understand how our numbers look and would you have any queries -- should you have any queries, we are here to answer them. Over to Mr. Dilip Srivastava. Page 2 of 9 PTC India Financial Services Limited July 29, 2026 Dilip Srivastava: Thank you. Good afternoon to all of you. Financial update for the current quarter, Q1 FY '27 witnessed continued focus on the calibrated growth and portfolio consolidation with the company disbursing INR117 crores during the quarter. While loan asset stood at INR2,946 crores, profit after tax stood at INR40.24 crores, supported by net interest income of INR48.71 crores. Net interest margin remained healthy at 4.46%, while return on asset, annualized basis, and return on net worth, annualized basis, stood at 3.31% and 5.19%, respectively. Asset quality remained stable with the Gross Stage III assets maintained at INR190 crores and Net Stage III assets after provisioning is INR47 crores. Importantly, Net Stage III assets continue to remain approximately 2% of the net worth, reflecting a stable asset quality profile relative to the company capital base. The company continued to maintain a strong capital base with net worth increasing to INR3,120 crores from INR3,080 crores in comparison to previous quarter, providing a solid foundation to support our future business growth. The company also maintained a comfortable liquidity and ALM position with a positive cumulative net cash flow across all the maturity buckets. The quarter reflects company's continued emphasis on the calibrated growth, the stable asset quality, prudent balance sheet management and robust liquidity management. Thank you. Over to Director, Operations. Sanjeev Kumar: Thank you, Dilip. Good afternoon, everyone. At the outset, I'd like to mention that as we begin FY '27, we have sharpened our strategic focus on building a meaningful, resilient and high- quality infrastructure lending portfolio. Our objective is to leverage our core strength, going back to basics, deepen our existing client relationship, drive sustainable growth across large, medium and small ticket size opportunity with a balanced focus on private sector and PSU borrowers both. Q1 of this year, FY '27 was, by all measures, not a very good quarter for us, a muted and relatively forgettable quarter I can say for the business with a disbursement of near INR117.25 crores this quarter. But it was also a period of transition as we were recalibrating our strategy and strengthening the leadership direction at the top. This resulted in measured approach to origination as well we aligned the organization around our renewed strategic priorities. Importantly, the momentum has changed after Q1. In Q2, initially, in the first month itself, we have been able to sanction something around more than INR1,200 crores. So this month's sanction has reached the record sanction of last 13 quarters, reflecting a significant acceleration in business activities. We expect this momentum to continue and translate into stronger disbursement and performance over the coming quarters. We have got a very good pipeline for coming quarters also. Our strategy now represents a renewed focus on our core strength in infrastructure fin [Showing first 8,000 characters — download PDF for full document]