Investor presentation

Reference No.: SEC/ SE/102/ 2026 - 27 Date: August 11, 2026 BSE Limited National Stock Exchange of India International Exchange India Limited (IFSC) Ltd Phiroze Jeejeebhoy Towers Dalal Street 5th Floor, Exchange Plaza 1st Floor, Unit No. 101, Mumbai- 400001 Bandra (East) The Signature, Building no. 13B, Scrip Code: 531213 Mumbai – 400 051 Road 1C, Zone 1, GIFT SEZ, GIFT Symbol: MANAPPURAM City, Gandhinagar, Gujarat – 382355 Dear Sir/Madam, Sub: Disclosure under relevant provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“Listing Regulations”) Further to our submission i.e. Outcome of Board Meeting dated August 11, 2026, please find enclosed the following: Investor Presentation for the quarter ended June 30, 2026. In compliance with Regulation 46(2) of Listing Regulations, the information is being hosted on the Company’s Website at https://www.manappuram.com/ . Further, pursuant to Regulation 30 and 46(2) of the Listing Regulations, the audio recording and transcript of the conference call with analysts and investors to be held on August 11, 2026 on the unaudited financial results of the Company for the quarter ended June 30, 2026, shall also be made available on the website of the Company at https://www.manappuram.com/. Kindly take the same on record. Yours faithfully, For Manappuram Finance Limited Aparna Menon Company Secretary Manappuram Finance Limited Investor Presentation Q1 - FY2027 Table of Contents Page – 04 Pages – 05-17 01 02 Vision and strategy Financial snapshot Pages – 18-37 Page – 38 03 04 Segmental performance Creating a difference Pages – 39-40 Board of Directors and Management Team Safe Harbour Statement This presentation may include The company assumes no Any person/ party intending to Actual results could differ materially statements, which may constitute responsibility to publicly amend, provide finance / invest in the from those expressed or implied. forward-looking statements. All modify or revise any forward-looking shares/businesses of the Company Important factors that could make a statements that address statements, on the basis of any shall do so after seeking their own difference to the company’s expectations or projections about the subsequent developments, professional advice and after operations include global and Indian future, including, but not limited to, information or events, or otherwise. carrying out their own due diligence demand supply conditions, finished statements about the strategy for While every effort is made to ensure procedure to ensure that they are goods prices, feed stock availability growth, business development, that this presentation conforms with making an informed decision. In no and prices, cyclical demand and market position, expenditures, and all applicable legal requirements, the event shall the company be liable for pricing in the company’s principal financial results, are forward looking company does not warrant that it is any damages whatsoever, whether markets, changes in Government statements. Forward-looking complete, comprehensive or direct, incidental, indirect, regulations, tax regimes, economic statements are based on certain accurate, or commit to its being consequential or special damages of developments within India and the assumptions and expectations of updated. No part of the information any kind or including, without countries within which the company future events. The company cannot provided herein is to be construed as limitation, those resulting from loss conducts business and other factors guarantee that these assumptions a solicitation to make any financial of profit, loss of contracts, goodwill, such as litigation and labour and expectations are accurate or will investment and is provided for data, information, income, expected negotiations. be realized. The actual results, information only. savings or business relationships performance or achievements, could arising out of or in connection with thus differ materially from those the use of this presentation. projected in any such forward- looking statements. Investor Presentation Q1 FY2027 3 Manappuram Vision Become the financial partner of choice to under-banked customers across their lifecycle Leading gold loan player in India, with a trusted brand Operational rigor: Perfected the art of managing and nation-wide reach appraisal, custodial and valuation risks that are inherent in gold lending Pioneer in process innovation in gold loans (online gold loan product ‘OGL’ and Trusted brand: Safekeeping of household gold cellular vaulting mechanism) jewellery on behalf of 2.9 mn active customers Calibrated approach to growth in other Use of technology: Increasing focus on loan products – MFI, home loans, loans technology for sourcing, operations, against property and MSME underwriting, managing risk and collections Branch network of 5,000+ Prudent credit and risk management: branches with employee strength Strict adherence to well defined of ~43,000+ on consol basis processes, including timely auctions Well capitalized 21.3% CRAR, with strong ALM and access to Strong Board driven governance process diversified sources of funds MANAPPURAM TODAY COMPANY DNA Create market for gold loans One stop shop for meeting GROWTH as a mainstream, convenient customers borrowing and STRATEGY and affordable product protection needs (small ticket loans to underbanked customers) Investor Presentation Q1 FY2027 4 Financial Highlights Q1 - FY2027 Key Performance Highlights – Q1 FY2027 Consolidated Q1 FY2027 Standalone Q1 FY2027 AUM Opex / AUM ROAA AUM Opex / AUM ROAA 69,635 Cr 4.59% 3.54% 60,971 Cr 3.79% 3.80% 57.2% YoY 128 bps YoY 244 bps YoY 70.8% YoY 294 bps YoY Nil YoY 9.1% QoQ 51 bps QoQ 74 bps QoQ 9.0% QoQ 41 bps QoQ 80 bps QoQ PAT Customers1 ROE PAT Customers ROE 585 Cr 38.4Lakh 14.3% 552 Cr 29.2 Lakh 13.6% 341.4% YoY 25.5% YoY 1005 bpsYoY 40.7% YoY 4.6% YoY 50 bps YoY 44.5% QoQ 8.4% QoQ 205 bpsQoQ 46.9% QoQ 4.4% QoQ 210 bpsQoQ 1. For Asirvad, customers of new book only Investor Presentation Q1 FY2027 6 Consolidated Financial Overview – Q1 FY2027 Q1 FY27 Q4FY26 Q-o-Q Q1FY26 Y-o-Y FY26 FY25 Y-o-Y Financials Consolidated AUM 69,635 6 3,798 9.1% 4 4,304 57.2% 6 3,798 4 3,034 48.3% Net Interest Income 1,759 1 ,504 16.9% 1 ,407 25.0% 5 ,724 6 ,470 -11.5% OPEX 759 7 37 3.0% 7 49 1.3% 2 ,913 2 ,816 3.4% PPOP 1,007 7 79 29.3% 6 61 52.4% 2 ,826 3 ,675 -23.1% PAT 585 4 05 44.5% 1 32 341.4% 9 93 1 ,204 -17.5% Ratios and Metrics EPS 24.4 19.1 27.7% 6.3 287.3% 11.7 14.2 -17.6% ROA 3.5% 2.8% 0.7% 1.1% 2.4% 2.0% 2.8% -0.8% ROE 14.3% 12.3% 2.0% 4.3% 10.0% 7.7% 10.0% -2.3% BVPS (In Rs.) 176.2 170.9 3.1% 147.7 19.3% 170.9 146.9 16.3% Net worth (Rs. Cr) 16,552 1 6,051 3.1% 12,504 32.4% 16,051 12,432 29.1% Investor Presentation Q1 FY2027 7 Consolidated Operational Metrics – Q1 FY2027 Investor Presentation Q1 FY2027 8 t i o s a n d M e t r i c s l d A U M ( R s . C r ) l d T o n n a g e l d B r a n c h e s ( N o s ) l d C u s t o m e r s ( I n L a M P e r B r a n c h s t o m e r P e r B r a n c h t i o s a n d M e t r i c s n - G o l d A U M ( R s . C r n - G o l d B r a n c h e s ( N I O l d B o o k c u s t o m e I N e w B o o k c u s t o m F / S M E C u s t o m e r s ( s ( I n r s ( I L a k Q 1 F Y 2 5 7 , 0 0 4 , 0 5 1 2 , 6 2 1 , 2 7 Q 4 F Y 2 6 5 0 , 9 5 3 4 , 0 4 4 6 7 0 1 2 , 8 4 5 1 , 2 9 6 9 . 3 5 . 2 2 . 8 Q 1 F Y 2 6 2 8 , 8 0 2 4 , 0 4 4 6 4 0 1 5 , 5 0 2 1 , 3 0 4 1 8 . 8 0 . 9 3 . 4 AUM Mix – Q1 FY2027 Q1 FY27 Q4FY26 Q-o-Q Q1FY26 Y-o-Y Gold 54,655 48,814 12.0% 2 7,691 97.4% MSME and others 3,432 3 ,351 2.4% 3 ,105 10.5% VEF 2,562 2 ,991 -14.3% 4 ,492 -43.0% Onlending 322 796 -59.6% 4 10 -21.5% Standalone AUM 60,971 55,952 9.0% 3 5,698 70.8% Asirvad-MFI 4,827 4 ,636 4.1% 5 ,542 -12.9% Asirvad-Gold loan 2,344 2 ,139 9.6% 1 ,111 111.0% Asirvad-MSME 16 1 9 -14.3% 5 1 -68.1% Mahofin-HFC 1,839 1 ,852 -0.7% 1 ,901 -3.2% Mahofin-Gold 7 - 100.0% - Total AUM 70,005 64,597 8.4% 4 4,304 58 [Showing first 8,000 characters — download PDF for full document]