Investor Presentation

August 14, 2026 To, To The Manager The Manager, Listing Department Listing Department BSE Limited (“BSE”) National Stock Exchange of India Phiroze Jeejeebhoy Towers, Limited (“NSE”) Dalal Street, Fort Exchange Plaza, Plot No. C/1, G Block, Mumbai 400 001. Bandra-Kurla Complex, Bandra (East), Mumbai 400 051. BSE Scrip Code: 544799 NSE Symbol: TURTLEMINT ISIN: INE0OC301013 Sub: Investor Presentation on Unaudited Financial Results (Standalone and Consolidated) for the quarter ended June 30, 2026. Dear Sir/Ma’am, In reference to the above captioned subject, please find attached a copy of Investor's Presentation with respect to Unaudited Financial Results (Standalone and Consolidated) of the Company for quarter ended June 30, 2026. The same is also available on the website of the Company at www.turtlemint.com Request you to take the same on your record and acknowledge. Yours Faithfully, Thanking You, For Turtlemint Fintech Solutions Limited (Formerly known as Turtlemint Fintech Solutions Private Limited and Fintech Blue Solutions Private Limited) Prashant Saini Company Secretary & Compliance Officer Membership No. A23769 Encl: As above Digital Insurance Distribution Platform Q1FY27 | Investor Presentation Safe Harbor Statement The document has been prepared by Turtlemint (together with its subsidiaries) solely to provide a summary update on its financial and operating performance for the relevant period. Certain statements contained in this document that are not statements of historical fact constitute forward-looking statements. These include, without limitation, statements concerning the Company’s strategy and business plans, expansion of its distribution network, product and technology roadmap, expected market opportunity, anticipated revenue, profitability or other financial or operational metrics. Forward-looking statements are based on the Company’s current expectations, assumptions and estimates regarding its business and the markets in which it operates and are neither promises nor guarantees of future performance. They involve known and unknown risks, uncertainties and other factors, many of which are beyond the Company’s control, that could cause actual results, performance or achievements to differ materially from those expressed or implied herein. Such factors include, among others: changes in laws or in the regulatory framework; the pace of adoption of digital insurance distribution; competitive dynamics; technology disruptions; general economic, political and market conditions; Company’s ability to execute its growth plans etc. In view of these uncertainties, readers should not place undue reliance on any forward-looking statement, which speaks only as at the date of this document. The Company expressly disclaims any obligation to revise or publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise, save as may be required by applicable law. Neither the Company nor any of its directors, officers, employees, advisers or representatives assumes any responsibility to update such forward-looking statements or to adapt them to future events or developments. 215 01 Q1 FY27 Performance 229 02 About Turtlemint 202 Content 03 Market Opportunity 242 04 Turtlemint Triadic Model 05 Product and Technology 06 FAQ Q1’FY27 Performance 21 Q1FY27 performance snapshot 215 INR 1,205 Cr 691,194 32k+ 121 DPs Recruited 229 Platform Premium Digital Partners 49.8% YoY Recruited 32k+ DPs in Q1 FY27 242 90k+ Quarterly Active DPs 255 INR 294 Cr INR 39 Cr Revenue From Operations Service EBITDA 40% YoY 89% YoY 75%+ Premium from B30+ market All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP Largest Certified And Diversified Digital Partner Base; 80% Based In 125 Digital 99 B30+ Markets Partners 60.46% 4.80% Digital Partners are up Platform premium generated 21 to the age of 35 by top 100 Digital Partners Continued growth in Active Digital Partners: Quarterly Count of Digital Partners Issuing a Policy All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP Our Q1 FY27 Revenue Has Grown At Over 40% While Our Service EBITDA Has Grown By 99 Over 89% For The Quarter Revenue from Operations (in Cr) Service EBITDA (in Cr) 170 39 229 294 +40% 202 +89% 242 21 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 YoY % All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP Service EBITDA Margin Expansion Is Supported By Growth In The Renewal Book 105 Renewal Revenue (in Cr) +66% Q1 FY26 Q1 FY27 YoY % All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP Corporate Overheads in Q1’27 Reduced To 22% From 30% Of Revenue in Q1’26 Corporate Overhead % of Revenue Adjusted EBITDA (in Cr) Q1 FY26 Q1 FY27 242 -20% 30% 22% 225 22% Q1 FY26 Q1 FY27 (Q1 FY27 : 66 Cr, Q1 FY26 : 63 Cr) as a % of Revenue All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP. 9 PAT To Revenue Has Improved From (22)% to (13)% PAT (in Cr) Q1 FY26 Q1 FY27 -13% 242 -22% as a % of Revenue All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP 10 Income Statement: Q1 FY27 saw 40% growth with improving Adjusted EBITDA 99 margins Particulars (in Cr) Q1 FY 26 Q1 FY 27 YoY Revenue from Operations 210 294 40% Service EBITDA 21 39 89% 202 Corporate Overheads 63 66 (5%) 245 % of Revenue from operations 30% 22% 8% 255 Adjusted EBITDA (42) (26) NM % of Revenue from operations (20%) (9%) 11% EBITDA (42) (31) NM Profit before tax (47) (38) NM Profit after tax (47) (38) NM All numbers above are certified by independent Chartered Accountant, M/s S K Patodia & Associates LLP Operational Key Performance Indicators (KPIs) FY 24 FY 25 FY 26 Q1 FY26 Q1 FY27 Particulars 21 (Proforma)* (Proforma)* (Consolidated) (Consolidated) (Consolidated) Operational KPIs : 170 Platform premium (in Cr) 2,273 2,946 3,868 804 1,205 223 Number of Digital Partners 4,44,794 5,43,972 6,59,073 5,71,571 6,91,194 Active Transacting Digital Partners (quarterly average) 49,668 63,048 83,657 70,587 90,791 202 Percentage of Platform Premium distributed in B30+ Markets 71.15% 73.78% 75.36% 75.86% 75.59% Financial KPIs (in Cr) : Revenue from operation 564 700 1,098 210 294 225 Service EBITDA 56 83 142 21 39 Adjusted EBITDA (182) (186) (106) (42) (26) Loss before exceptional items (193) (189) (138) (47) (38) Loss for the period (187) (203) (184) (47) (38) *Turtlemint Fintech Solution Ltd Company acquired Turtlemint Insurance Broking Services Private Limited with effect from May 8, 2024 (material subsidiary), Hence, the pro forma financial and operational information has been compiled by the management of the Company on a voluntary basis to illustrate the impact of the acquisition of TIB on the financial performance for the financial years ended March 31, 2025, March 31, 2024, respectively, as if the acquisition had been consummated on April 1, 2024, April 1, 2023, and April 1, 2022, respectively.` About Turtlemint All numbers in this section are as of March 2026 unless stated otherwise 17 Turtlemint was founded 11 years 105 ago with a simple mission To drive insurance 202 First & Largest PoSP Network* distribution across Bharat and make 225 Deep Reach Beyond Metros 226 every Indian financially secure Tech Led Distribution * As of 31st December 2025; largest amongst the Peer Group as confirmed by Redseer Report dated 27th May 2026. 4 Turtlemint is India’s Leading Distribution Network Serving 99 Policyholders In B30 Markets 215 PLATFORM PREMIUM REVENUE FROM OPERATIONS​ INSURANCE PARTNERSHIPS INR 3,868 INR 1,098 46 22.57%​​ 223 Cr Cr Insurers integrated on platform​ Top 3 insurer concentration 245 REACH & FOOTPRINT​ GRANULAR NETWORK OF DIGITAL PARTNERS​ PRODUCT ADOPTION​ 225 19,186​ 83​ 659,073​​ 94,800​​ 2.95 Cr​ 4.98 Mn+​ Pin codes cov [Showing first 8,000 characters — download PDF for full document]