Enclosed Investor Presentation

August 13, 2026 To, To, Listing Department The Manager – Compliance Department BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Dalal Street, ‘Exchange Plaza’ Bandra Kurla Complex, Mumbai – 400 001 Bandra (East) Mumbai 400051 Scrip Code: 508954 NSE Symbol: FINKURVE Dear Sir/Madam, Sub: Presentation for Schedule of Analyst/Institutional Investor Meet In continuation of our Intimation Letter dated August 10, 2026, and pursuant Regulation 30 read with Para A of Part A of Schedule III of the Securities Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 we, enclose herewith a copy of presentation for Analyst/Institutional Investor Meet to be held on August 13, 2026. This information is also available on the Company’s website at www.arvog.com. Thanking you, Yours truly, For Finkurve Financial Services Limited Kajal Parmar Company Secretary & Compliance Officer Membership No. A65484 Encl: a/a Investor Deck –June’26 (Q1 FY27) NBFC License No. 13.00316 Website - www.arvog.com Augmont Group: Leading Pioneers Of Gold In India Scale Of Operations: Among The Largest One Of India’s Largest Gold & Silver SPOT Platform 4 Cr+ 210+ Traded: ~53 Tonnes Of Gold & Customers Partners 1,049 Tonnes Of Silver In FY26 118 900+ Gold For All Centers People Employed Among India’s Leading Gold Refinery 5,000+ 20+ Capacity: 280+ Tonnes Jewelers & SPOT Delivery Agents Centers Accreditations & Accomplishments • The Responsible Minerals Initiative Compliance Assures Responsible Sourcing Of Gold • Ranked Amongst The Top 150 Unlisted Companies In India By Dun & Bradstreet, 2021 • Authorized Economic Operator (Aeo) T-2 Entity By Directorate Of International Customs • Capable Of Distributing Bullion From 0.1 Grams Coins To 1 Kg Bars Across India • Leading Creator And Redeemer Of Gold Exchange Traded Fund (ETF) Units In India On All Gold INDIA GOOD ETF Schemes ISO BIS NABL DELIVERY Augmont’s Unlisted - AUGMONT ENTERPRISES LTD Gold Refinery & Digital Platform For Gold Journey So Far Products Turnover (FY26): INR 94,186 Cr Listed - FINKURVE FINANCIAL SERVICES LTD Tech Enabled NBFC AUM (Q1 FY27): INR 1,271 Cr 2002 2003 2008 2012 2013 2019 2020 2021 2023 2024 2025 2026 Paper Gold Gold SPOT EMI Digi Gold Gold For All Gold Loans India's Top Gold Lease LGD DRHP Filing Approval for (Gold ETF Futures Infrastructur Jewelery Augmont Platform Introduced 150 Unlisted Launched Platform filed its DRHP Concept) Introduced ebuilt real- Launched pioneered Established gold loans Companies gold Launched DRHP with Received Conceptua Introduced time spot EMI-based online a unified to unlock Ranked leasing a Lab- SEBI, a key approval for lized paper gold trading jewellery digital gold platform to liquidity among solutions for Grown milestone in DRHP, gold and futures, capabilities financing buying and democratiz against India’s Top businesses Diamond its journey Signed MOU filed one of advised . selling. e gold gold assets. 150 Unlisted and platform to toward with NSE for the earliest commodity access Companies institutions. address becoming Electronic gold ETF exchanges across by Dun & evolving a publicly Gold proposals consumer Bradstreet. market listed entity.Receipts with SEBI. segments. demand. (EGRs) With A Debt-free Status [Excluding NBFC], Augmont Group Stands As A Beacon Of Trust And Excellence In The Precious Metals Industry Vision & Mission VISION MISSION Becoming India's Most Trusted Technology-led Delivering Fast, Secure & Responsible Credit Gold Lending Institution. Solutions To redefine secured retail lending by combining technology, deep gold expertise and responsible lending practices, making formal Committed to creating a seamless lending experience that is credit accessible to every household while creating long-term value customer-centric, technology-enabled and future-ready. for customers, partners and shareholders Building unshakeable trust with every Strong Risk Robust frameworks to protect Trusted promise we keep. Management customers and strengthen trust. Seamless Technology Leveraging technology and Simple, fast and intuitive journeys Digital Driven intelligence to lead the future. powered by technology. Experience Financial Enabling access to formal credit for Responsible Ethical lending practices for Inclusion every household. Lending sustainable and inclusive growth. We Brings The Entire Gold Ecosystem Under One Roof Making Gold Loans A Cornerstone Of Its End-to-end Gold Offering. Performance Highlights In Rs. crore Metric Q1FY27 Q1FY26 YoY Q4FY26 QoQ Assets Under Management* 1,270.4 541.8 ▲134.5% 1,096.1 ▲15.9% Gold Kgs under management 1,167.5 796.2 ▲46.6% 1,076.2 ▲8.5% Branches 118 83 ▲42.2% 105 ▲12.4% Active Customers (GL) 31,522 19,516 ▲61.5% 28,506 ▲10.6% Leverage 2.88 0.73 ▲295.0% 2.42 ▲19.2% PAT (Rs. Cr) 8.4 5.1 ▲65.8% 8.0 ▲4.9% Net Worth 354.4 322.3 ▲10.0% 344.9 ▲2.7% NNPA (%) 0.48% 0.17% ▲31 bps 0.09% ▲39 bps *Includes Off book AUM Strategic Foundation Technology-Led Gold Ecosystem Strength Operating Platform & Promoter Legacy • Proprietary Loan Origination & Management • 100-year leadership in India’s gold industry, System including the first Gold ETF filing • Built in RBI compliant controls and audit trails • India’s leading digital gold ecosystem and • API ready architecture for analytics and future largest investible gold jewelleryplatform integrations globally • Gold expertise powering fintech-led lending solutions Promoter & Leadership Risk Strength Management • Strong governance first mindset with proven • Capital protection embedded across execution credibility origination and monitoring • Long term institution building approach • Integrated operational and fraud-risk controls backed by domain depth • Continuous portfolio surveillance with early- warning indicators What sets Finkurve Apart? Built on India's Purpose-built Scalable Capital & Proven Execution Largest Gold Ecosystem Gold Intelligence Platform Governance Platform • 100+ years of family legacy in gold • Proprietary Loan Origination & • Strong governance framework • 25+ years of institutional bullion Management System ₹1,271 Cr 118 • Diversified funding relationships leadership through Augmont • AI-powered gold appraisal & fraud AUM Branches Group detection • Co-lending partnerships with • Presence across the entire gold leading institutions value chain: Bullion, Refining, • Centralized underwriting & risk Digital Gold & Lending monitoring • Scalable operating model 31,500+ 0.5% • Deep relationships across the • RBI-compliant digital infrastructure • Trusted promoter reputation Customers NNPA jewelleryecosystem • Continuous learning from • Decades of proprietary gold ecosystem-wide data domain expertise ~25 mins Nearly 10x Average AUM growth Disbursal TAT since FY23 > > > > > > > > Gold Superior Gold Better Customer Lower Risk Stronger Asset Lower Cost Faster More Even Better Ecosystem Intelligence Experience & Fraud Quality of Capital Growth Data Intelligence Promoter Group Legacy Over 25+ year of gold industry experience •Build flagship brand “Augmont” over the past 2 and a half decade •Filed worlds first Gold ETF with SEBI •Expanded into India’s largest digital gold platform serving 37+ mn customers India’s lending digital gold ecosystem •Refinery to retail tech driven platform •Worlds largest investable gold jewellery product •Extending expertise into gold backed retail lending via “Arvog” Proven track record & institutional credibility •Deep domain across gold, finance and risk •Long term institutional building approach with governance first mindset Positioned to scale modern fintech lending •Leveraging unique domain knowledge and fintech innovation •Executing gold backed lending with discipline Promoter & Board of Directors Ketan Kothari Priyank Kothari Nishant Himadri Promoter – Director Director Ranka Bhattacharya • CA with over 18 years of • Portfolio and risk • MBA from Nottingham • Masters in Entrepreneurship, ex [Showing first 8,000 characters — download PDF for full document]