Investor Presentation

August 12, 2026 The National Stock Exchange of India Ltd BSE Limited Corporate Communications Department Corporate Services Department “Exchange Plaza”, 5th Floor, Phiroze Jeejeebhoy Towers Bandra-Kurla Complex, Bandra (East), Dalal Street, Mumbai – 400051 Mumbai – 400001 Scrip Symbol: RELIGARE Scrip Code: 532915 Subject: Presentation for earnings call to be held on Thursday, August 13, 2026 at 04.00 P.M. Dear Sir/Madam, With reference to the captioned subject and pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (SEBI Listing Regulations), please find enclosed the copy of earnings call presentation pertaining to discussion of operational & financial performance of the Company for the quarter ended June 30, 2026. The presentation is also made available on the website of the Company https://docs.religare.com/pdf/REL-Q1FY27-Investor-Presentation_12-August.pdf. This is for your kind information and record. For Religare Enterprises Limited Babu Rao P. Group General Counsel & Group Chief Compliance Officer Encl.: as above Religare Enterprises Limited CIN: L74899DL1984PLC146935 Registered Office: First Floor, Office No. 101, 2E/23, Jhandewalan Extn., New Delhi – 110055 Phone No.: +91-11- 4167 9692 Corporate Office: 1st Floor, Tower A, Club 125, Plot A-3,4, 5, Sector -125, Noida – 201301, Uttar Pradesh Phone No.: +91-120- 4384 941 www.religare.com / investorservices@religare.com Religare Enterprises Limited INVESTOR PRESENTATION | Q1 FY2027 | August 2026 Disclaimer This presentation has been prepared by and is the sole responsibility of Religare Enterprises Limited (together with its subsidiaries, referred to as the “Company”). By accessing this presentation,youareagreeingtobeboundbythetrailingrestrictions. This presentation does not constitute or does not intend to constitute or form part of any offer or invitation or inducement to sell, or any solicitation of any offer or recommendation to purchase, anysecurities of the Company,nor shall it oranypart of it orthe fact of itsdistributionformthebasisof,orbe relied on in connectionwith, anycontract or commitment therefor.Inparticular,thispresentationisnotintendedtobeaprospectusorofferdocumentundertheapplicablelawsofanyjurisdiction,includingIndia. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. There is no obligation to update, modify or amend thiscommunication orto otherwise notifythe recipient if information, opinion,projection,forecast or estimate set forthherein, changes or subsequentlybecomes inaccurate. However, the Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. These materialsarebeinggiven solelyfor your information and maynotbe copied,reproduced orredistributedto anyother person in anymanner.Thedistribution of thesematerials incertainjurisdictionsmayberestrictedbylawandpersonsintowhosepossessionthesematerialscomesshouldinformthemselvesaboutandobserveanysuchrestrictions. Certain statements contained in this presentation that are not statements of historical fact constitute “forward-looking statements.” You can generally identify forward-looking statements by terminology such as “aim”, “anticipate”, “believe”, “continue”, “could”, “estimate”, “expect”, “intend”, “may”, “objective”, “goal”, “plan”, “potential”, “project”, “pursue”, “shall”, “should”, “will”, “would”, or other words or phrases of similar import. These forward-looking statements involve known and unknown risks, uncertainties, assumptions and otherfactorsthatmaycausetheCompany’sactualresults,performanceorachievementstobemateriallydifferentfromanyfutureresults,performanceorachievementsexpressedor impliedbysuchforward-lookingstatementsorotherprojections. Important factors that could cause actual results, performance or achievements to differ materially include, among others: (a) material changes in the regulations governing the Company’s businesses; (b) the Company's ability to comply with the capital adequacy norms prescribed by the Regulators; (c) decreases in the value of the Company's collateral or delays in enforcing the Company's collateral upon default by borrowers on their obligations to the Company; (d) the Company's ability to control the level of NPAs in the Company's portfolio effectively; (e) internal or external fraud, operational errors, systems malfunctions, or cyber security incidents; (f)volatility in interest rates and other market conditions; and (g)anyadversechangestotheIndianeconomy. Thispresentationisforgeneralinformationpurposesonly Table of Contents 01 Religare Enterprises Limited (REL) – Business Overview 02 Religare Broking Limited – Business Overview 03 Religare Finvest Limited – Business Overview 04 Religare Housing Development Finance Corporation Limited – Business Overview 05 Care Health Insurance Limited – Business Overview 06 Annexure Religare Enterprises Limited (REL) A diversified portfolio of insurance and financial services business INSURANCE BUSINESS FINANCIAL SERVICES BUSINESS Focused on self-employed and NBFC with 15+ years of informal segment in semi- India’s 2nd Largest SAHI Full-service Broker operations in MSME lending urban markets 24% share in SAHI segment Rs 247 Cr 1 Mn+ 238.4% Total Customers CRAR Rs3,247 Cr (1) GWP ~2.4 Lakh 0.8% 2,800+ Active Clients NNPA Active Customer Count Robust Corporate 21,600+ 50 Debt-free, Presence in Governance Hospitals 8 States Branches robust financials Experienced leadership; Granular, secured asset 288 Multi-channel servicing Ready to scale-up backed loan book Branch Offices with digital focus Strong promoter Massive Financial Experienced Robust Corporate group TAM Strength Team Governance Data represented as of Q1 FY27 Note 1: GWP is without 1/n basis Key Leadership Appointments Strengthening leadership across our businesses to drive growth and create long term value Mr. Arjun Lamba Mr. Ajay Kumar Shah Mr. Manish Vishnu Dodeja Managing Director Managing Director & CEO Executive Director Religare Enterprises Ltd. Care Health Insurance Ltd. Care Health Insurance Ltd. Mr. Pavan Kumar Gupta Mr. Pankaj Rathi Mr. Srinivasan Karthik Managing Director & CEO Whole Time Director & CFO Managing Director & CEO Religare Housing Religare Housing Religare Finvest Ltd. Development Finance Development Finance Corporation Ltd. Corporation Ltd. REL – Q1 FY27 Executive Summary Q1FY27 Consolidated Highlights Revenue Profit after Tax Net Worth * Cash & Cash Equivalents Rs. 2,358.4 Cr Rs. (46.9) Cr Rs.3,061.9 Cr Rs. 378.3 Cr 26% YoY Growth | Rs. 1,876.3 Cr n.m. YoY Growth | Rs. 8.1 Cr 20% YoY Growth | Rs. 2,553.4 Cr 170% YoY Growth | Rs. 140.1 Cr Q1FY27 Business Highlights Gross Written Premium (GWP) (1) Total Income Total Income Total Income Rs. 3,247 Cr Rs. 99.5 Cr Rs. 14.4 Cr Rs. 7.4 Cr 37% YoY growth 7% YoY growth (25%) YoY growth 3% YoY growth Combined Insurance Service Ratio (2) Profit after Tax Profit After Tax Total AUM 102.7% Rs. 7.5 Cr Rs. 15.1 Cr Rs. 247 Cr 30 bps YoY improvement 65% YoY growth (16%) YoY growth Stable AUM Profit before Tax (2) Net Worth Net Worth CRAR Rs. 163 Cr Rs. 384.4 Cr Rs.914 Cr 121 % 59% YoY growth 6% YoY growth 17% YoY growth Adequately Capitalized Following the communication received from RBI on August 6, REL and RFL shall engage with the Regulator and Demerger Update Takeaway provide further clarifications as may be required Note 1 –Numbers are without “1/n” basis Note 2 –IndASbasis after considering the impact of IndAS 117, “Insurance Contracts” * Attributable to owners of the company 6 n.m. –not meaningful REL – Income Statement (Consolidated) Particulars (Rs. Cr) Q1FY27 Q1FY26 Q4FY26 FY26 FY25 Interest Income 2 [Showing first 8,000 characters — download PDF for full document]