Investor Presentation of Q1 FY''27- UFR

Date: 14/08/2026 To, To, BSE Limited, The Calcutta Stock Exchange Limited 1st Floor, P.J. Towers, 7, Lyons Range, Dalal Street, Fort, Dalhousie, Mumbai - 400 001. Kolkata 700 001 Scrip Code: 526530 Scrip Code: 029404 Subject: Investor Presentation – Q1 FY27 (3M- FY 27) Respected Sir/Madam, With reference to above captioned subject, please find attached herewith Investor Presentation – Q1 FY27. (3M- FY 27) This intimation is also being made available on the website of the Company at https://www.iirmholdings.in/investor/other-information-disclosures/. Kindly take the above information on record. Thanking You. Yours faithfully, For IIRM Holdings India Limited Vempala Sri Lakshmi Company Secretary & Compliance Officer M. No. F9950 Encl: as above Your Trusted Partner in Global Insurance Solutions I nv estor P resentati on – Q 1- F Y 27 Safe Harbour This presentation has been prepared by and is the sole responsibility of IIRM Holdings India Limited (the “Company”). By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presentation does not constitute or form part of any offer or invitation or inducement to sell or issue, or any solicitation of any offer or recommendation to purchase or subscribe for, any securities of the Company, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract or commitment thereof. In particular, this presentation is not intended to be a prospectus or offer document under the applicable laws of any jurisdiction, including India. 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. 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TABLE OF CONTENTS Quarterly Highlights Company Overview Industry Landscape Business Overview Road Map Quarterly Highlights Consolidated Q1 financial performance in INR Mn PREMIUM GROWTH 24.7% vs Q1 FY26 REVENUE GROWTH 8.4% vs Q1 FY26 EBITDA MARGIN 24.8% 161 +vs 23.6% in Q1 FY26 104 103 78 76 PAT MARGIN 10.6% Total Income Expenses EBITDA PBT PAT Q1 FY27 Q1 FY26 vs 11.2% in Q1 FY26 Portfolio Spread GWP Location wise in INR m (US $ m) GWP Mix By Geography as on FY 26 16112(171) 13268(159) 120 (1) Sri Lanka 11444(137) 56 (0.6) 908 (10) Maldives 11032(132) 427 (5) 71 (1) 51 (1) 232 (3) 1058 (13) India 15085 (160) 12785 (151) 11141 (133) 9923 (119) FY23 FY24 FY25 FY26 India Sri Lanka Maldives Total Portfolio Spread Revenue LOB wise % share as on FY26 GWP Mix from Different Verticals FY26 Wellness, 3% Reinsurance, Fire & Engg., 8% 13.1% Other Services, Others, 11% Retail Advisory Services, Insurance, 4% 12.8% Corporate Health, 15% Business, 74.1% Specality Lines, Motor, 28% Financial performance overview 8.4 % Income Growth YoY Income in INR Mn Income 13.2 % Income Growth QoQ 737.28 • Revenue from Operations +8.1% YoY to ₹735.0 Mn, on 680.28 651.32 broad-based growth across operating segments. • Total Income +8.4% YoY to ₹737.4 Mn, reflecting stable, diversified revenue. • EBITDA +14.1% YoY to ₹183.2 Mn, on strong operational performance. Q1 FY27 Q4 FY26 Q1 FY26 • EBITDA growth outpaced revenue growth, showing improved operating leverage. 14.1 % Growth EBITDA YoY EBITDA & EBITDA Margin Expense & Profitability 7.9 % Growth EBITDA QoQ 24.68% 26.07% 23.60% • Strong operating profitability maintained despite a moderate 181.97 169.77 160.54 revenue growth environment. • Finance costs rose sharply on NCD borrowings raised for acquisitions and growth. • Higher interest offset much of the operating profit growth. • PBT broadly stable at ₹103.6 Mn, as operating gains were Q1 FY27 Q4 FY26 Q1 FY26 absorbed by interest. Quarterly and Yearly Financial Statement Consolidated ( ₹ IN MIL L IONS ) FY27 Q1 FY26 Q4 FY26 Q1 FY 26 FY 25 PARTICULARS RevenuefromOperations 735.0 640.1 679.6 2521.5 2194.5 TotalIncome 737.4 651.3 680.3 2537.2 2209.5 Operating Expenses 554.2 481.5 519.7 1941.51 1738.9 EBITDA 183.2 169.8 160.5 595.7 470.6 EBITDA% 24.84% 26.07% 23.60% 23.48% 21.30% Fin Cost 40.0 25.6 12.3 78.4 28.2 Depreciation and Amortization 39.6 39.0 44.8 173.0 125.8 PBT 103.6 104.7 103.4 343.8 305.5 PAT 78.3 67.7 76.4 243.7 216.3 EPS(₹) 1.15 0.99 1.12 3.58 3.17 23% 26% CAGR (FY22-26) Revenue EBITDA Company Overview IIRM Holdings – Group Companies Global Presence 2000+ Corporate Customers 100K+ 100+ Retail Customers Reinsurance Network 25+ 100+ Our Offices Reinsurance Network 1611+ Cr 300+ Premium Years of Combined Serviced Annually Experience Industry Landscape Insurance Industry Overview INDIA SRI LANKA MALDIVES KENYA Recovery and High-growth Digital inclusion Health-led scale corporate lines specialist niche tailwinds 12% estimated CAGR 10% estimated CAGR 18% estimated CAGR 15% estimated CAGR Health 44% | Motor 30% market Motor-led | Fire & Engineering Tourism | Property | Marine Motor | Medical | Property share in General Insurance Industry Non Life India Insurance Industry Q1 FY27 YoY Market Share Segment Wise Q1 FY27 Market Share segment wise Q1 FY26 Marine 3% Marine Others Fire Engineering Others Fire 2% 12% 9% 2% 12% 14% Engineering Motor Health 30% Health Motor 44% 41% 29% % YoY Growth 33.9% 19.9% 13.8% 13.9% 14.2% 10.90% Fire Marine Engineering Motor Health Others Total -27.8% Business Overview Core Business Verticals Corporate Insurance Broking Reinsurance Broking Retail Insurance Broking Wellness Services Claims Processing & Support Services Key Strengths 15% 25+ 5 100+ Equity held by the Years of consistent Countries - Insurance partners Leadership team Growth International Footprint Worldwide Core Business Model Technology Stack Road Map Road Map Thank You