Please find attached the newspaper publication of the Company''s financial result for the quarter ended June 30, 2026, for your records.

Ref: SEC/ SE/ 105/ 2026-27 August 12, 2026 BSE Limited National Stock Exchange of India International Exchange (IFSC) Phiroze Jeejeebhoy Towers India Limited Ltd Dalal Street 5th Floor, Exchange Plaza 1st Floor, Unit No. 101, The Signature, Mumbai- 400001 Bandra (East) Building no. 13B, Road 1C, Zone 1, GIFT Scrip Code: 531213 Mumbai – 400 051 SEZ, GIFT City, Gandhinagar, Gujarat – Scrip Code: MANAPPURAM 382355 Dear Madam/Sir, Sub: Newspaper Publication of Financial Results Please note that the statement of unaudited standalone and consolidated financial results of the Company for the first quarter ended June 30, 2026, were published in Business Line (in English language) and Malayala Manorama (in Malayalam language) on August 12, 2026. Copies of the same are enclosed for your information and records. Request you to kindly take the same on your record. Thanking You. For Manappuram Finance Limited Aparna Menon Company Secretary news bl MUMBAI 7 businessline. WEDNESDAY-AUGUST12-2026 ‘RBI wants AI to be responsibly Agentic AI emerges as mid-to-high level priority for Indian banks harnessed, not seen as a risk’ from Bank of India, Canara ganisations. They emphas- Vallari Sanzgiri Bank, Bank of Baroda, HDFC ised that successful AI de- Mumbai Bank, and IndusInd Bank ployment will depend on highlighted the importance robust security frameworks, Senior executives from some of responsible AI adoption. clear accountability and liab- TECH BOOST. Effective adoption of AI can improve the productivity of banks, says Sanjay Malhotra of India’s largest banks have The discussion reflected a ility structures, continued identified agentic AI integra- broader industry consensus innovation, and agile techno- logy. Voice interfaces in In- With fraud today moving tion as a medium-to-high that while agentic AI offers logy infrastructure. dian languages can simplify at the speed of an API call, it strategic priority for the significant opportunities to Anjani Rathor, Group Our Bureau banking by removing the lan- is only AI that can beat AI de- coming year, highlighting its improve operational effi- Head, Digital Banking & Cus- Mumbai guage barrier. livered fraud, emphasised potential to transform de- ciency and customer service, tomer Experience, HDFC Moreover, predictive the Governor. cision-making, security and its adoption must be suppor- Bank, highlighted the critical The Reserve Bank sees artifi- models could identify bor- “A rules-based fraud en- innovation across the bank- ted by strong governance, role of data quality in en- cial intelligence (AI) as a cap- rowers on the cusp of default gine, however, well designed, ing sector. high-quality data, and effect- abling effective AI adoption. ability to be responsibly har- early enough to counsel is perpetually one step be- Speaking at a session on ive risk management According top him, banks nessed and not merely as a rather than merely recover. hind a fraudster who adapts the growing role of agentic frameworks. must strengthen transaction risk to be contained, and In- Used well, AI may be the more frequently. It is only AI in autonomous decision Collectively, the execut- monitoring systems to en- dian banks cannot afford to most powerful accelerator to machine-learning models execution during a Banking ives assigned agentic AI a rat- sure that AI models are sit on the sidelines on this financial inclusion. which continuously learn and Financial Services con- ing ranging from medium to trained on accurate, relev- front, according to RBI Gov- BANKING ON TECH. RBI Governor Sanjay Malhotra flanked by Malhotra said there is from transaction patterns ference in India, leaders top priority within their or- ant, and contextual data. ernor Sanjay Malhotra. Indian Banks’ Association Chairman Challa Sreenivasulu Setty scope to reduce cost to in- and can identify anomalies in By harnessing AI capabil- (right) and FICCI President Anant Goenka at the inaugural session come ratios or intermedi- real time rather than after ity, the economics of credit of the FICCI-IBA FIBAC Conference 2026 in Mumbai PTI ation costs in India. Effective the loss has crystallised,” he delivery changes fundament- adoption of AI can signific- said. ally, banks can serve custom- payments, digital footprints used to augment rather than antly improve the productiv- ers better and enhance their —could extend the frontier merely replace human ity of Indian banks across op- TECH INVESTMENT operational efficiency, he of “bankable” India consid- judgment. erations, sales and customer In this regard, Malhotra said said at the FICCI-IBA An- erably further than manual “A relationship manager service, and credit and col- Banks will need to invest in nual Banking Summit. underwriting ever could, at a assisted by an AI system that lections, he added. technology: IT infrastruc- The RBI Governor said fraction of the marginal cost presents the right product, Further, document pro- ture, talent, skilling and that traditional underwrit- per loan. the right risk flag, can serve a cessing, reconciliation, and reskilling, forging sustain- ing relies on financial history At the same time, AI-en- higher number of customers internal audit sampling are able partnerships and build- —precisely the data that is hanced credit risk models, li- more efficiently. AI-assisted all ripe for AI-assisted auto- ing governance structures. thin or absent for a new-to- quidity forecasting, and grievance redressal, and per- mation, freeing skilled staff “None of this happens 7 5 credit borrower, a gig scenario analysis allow banks sonalised financial guidance for judgment-intensive overnight, and none of it 7 5 5 worker, or a small enterprise —and, indeed, the RBI — to can enhance service quality work. happens by accident. It re- 5 5 without formal books. see emerging stress earlier to customers,” he said. It could automate transac- quires a deliberate, board- 5 f 4 than lagging financial state- The RBI Governor under- tion reporting, and regulat- driven strategy, backed by f 4 - 3 ALTERNATIVE DATA ments permit. scored that for a country of ory return preparation, redu- sustained investment, and - 3 3 However, AI models, trained Malhotra observed that AI India’s size and diversity, AI cing both compliance cost strong intent rather than a 3 - on alternative data — cash allows banks to serve cus- has the potential to be a pro- and the operational risk of series of disconnected pro- - 0 flows, GST filings, utility tomers better, provided it is foundly inclusive techno- manual error. jects,” he said. 0 - ‘Indian economy, banks well positioned to tackle West Asia crisis’ - a 5 could face over the next few ence, the RBI Governor said sets ratio) of, I think, 17-18 Malhotra emphasised that a 5 0 Our Bureau years, Malhotra said: ”I think the country is facing uncer- per cent. GNPAs (gross non- the macroeconomic funda- 0 f 6 Mumbai there are quite a few chal- tainties, not only geopolit- performing assets) is less mentals of the Indian eco- f 6 9 lenges. Public debt levels in ical arising from the West than 2 per cent and Net NPA nomy are very strong, with 9 While India faces uncertain- advanced economies are Asia crisis, but also those re- is less than 0.5 per cent,” he growth being resilient, infla- ties arising from the West high. There is growing inter- lated to global trade policy said. tion more or less under Asia crisis, trade policy, and connectedness of NBFCs and tariffs. He also flagged check, and healthy balance cyber risks, the Indian eco- and unregulated space out- cyber risks. STRONG FUNDAMENTALS sheets of financial and non- nomy and the banking sector side, not so much in India.” “But I must mention that Further, banks have strong financial firms. The external is very well positioned to “Equity valuations are el- the Indian economy and the liquidity coverage ratio (the sector too is quite robust. meet these challenges, said evated and if there are cor- Indian banking sector are ratio of sto [Showing first 8,000 characters — download PDF for full document]