Analysts/Institutional Investor Meet/Con. Call Updates

August 19, 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: Transcript of the Earnings Call organized by the Company on August 13, 2026, on Financial Performance on business performance and results for the Quarter ended June 30, 2026. We are enclosing herewith the Transcript of Earnings Call held on August 13, 2026, at 05:00 P.M. 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 “Finkurve Financial Services Limited Q1 FY27 Earnings Conference Call” August 13, 2026 MANAGEMENT: MR. PRIYANK KOTHARI – EXECUTIVE DIRECTOR MR. NAVEEN KOTTALA – CHIEF EXECUTIVE OFFICER MR. AAKASH JAIN – CHIEF FINANCIAL OFFICER MODERATOR: MS. FORUM GOSHAR – ADFACTORS PR (INVESTOR RELATIONS) Finkurve Financial Services Limited August 13, 2026 Moderator: Ladies and gentlemen, good day and welcome to the Finkurve Financial Services Limited Q1 FY27 Earnings Conference Call. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing star then zero on your touchtone phone. Please note that this call is being recorded. I now hand the conference over to Ms. Forum Goshar from Adfactors PR. Thank you and over to you, ma'am. Forum Goshar: Good evening, everyone. I am Forum Goshar from Adfactors PR, Investor Relations. On behalf of Finkurve Financial Services Limited, it is my pleasure to welcome you all to the Q1 FY27 Earnings Conference Call. Today joining us from the management team are Mr. Priyank Kothari, Executive Director; Mr. Naveen Kottala, Chief Executive Officer; and Mr. Aakash Jain, Chief Financial Officer. We will begin today's call with opening remarks from the management, following which we would open the floor for Q&A session. Before we begin, I would like to remind everyone that certain statements made during this call may be forward-looking in nature. These statements are based on the management's current expectations and are subject to risks and uncertainties that could cause actual results to differ materially from those expressed or implied. Finkurve Financial Services Limited undertakes no obligation to publicly update or revise any forward-looking statements based on subsequent events or developments. With that, I would like to hand over the call to Mr. Priyank Kothari to deliver his opening remarks. Thank you and over to you, sir. Priyank Kothari: Good evening, everyone, and thank you for joining us for Finkurve Financial Services earnings call for Q1 FY27. On our previous earnings call, we had spoken about building Finkurve as a technology-enabled, risk-first gold loan franchise with a strong emphasis on disciplined growth, governance, and operational excellence. We had also shared our belief that long-term institutions are built by ensuring that systems, controls, and underwriting discipline remain ahead of growth. The developments witnessed across the industry during this quarter have only reinforced that conviction. The first quarter marked an important transition for the gold loan industry. The implementation of the revised regulatory frameworks has led organized players across the sector to align themselves with a common set of operating standards, creating a more transparent and a disciplined operating environment. As with any significant regulatory change, there is naturally a period during which customers, distribution channels, and operating processes adjust to the new framework. While this may temporarily influence business momentum across the industry, we believe these developments Page 2 of 13 Finkurve Financial Services Limited August 13, 2026 are positive for the long-term evolution of the sector and will ultimately reward institutions build on strong governance, prudent underwriting, and operational discipline. During the same period, gold prices, after witnessing a strong rally over the past year, experienced some correction and increased volatility. From our perspective, this has had no material impact on the quality of our portfolio or our risk management framework. Our conservative lending practices, disciplined loan-to-value approach, and robust collateral management processes continue to provide adequate protection across varying market conditions. Our response to such an environment remains consistent. We have never believed in pursuing short-term growth at the expense of long-term franchise quality. During periods of transition, our focus naturally shifts towards strengthening execution, improving branch productivity, enhancing operational efficiency, and reinforcing our underwriting standards. We believe these are the periods that ultimately define the quality of an institution. Throughout the quarter, we have continued to make steady progress across our strategic initiatives. Our co-lending partnership continues to scale in a calibrated manner, while our cross- sell initiatives have begun gaining traction. As discussed previously, we remain focused on building a stronger fee income franchise around our existing customer base in a measured and a customer-centric manner. While these initiatives are still in their early stages, we believe they will gradually strengthen the overall economics of the business over the medium term. From a funding perspective, we continue to witness encouraging confidence from lenders and financial institutions, following our recent rating upgrade and the continuing strengthening of our operating platform. Our balance sheet remains well-capitalized, providing us with adequate flexibility to pursue long-term growth plans in a prudent manner. From a regulatory standpoint, we have also continued strengthening the institutional foundations of the organization. Following our transition into a middle-layer NBFC, we have further enhanced our governance framework, internal processes, and control environment in line with higher regulatory standards expected of a larger institution. Alongside this, we have continued to institutionalize the organization by building a seasoned leadership team across all critical functions. During the quarter, we further strengthened our compliance and risk functions through the appointment of experienced leaders to head these verticals, complementing the already leadership in place across finance and business. Today, Finkurve has an experienced management team leading each of its key functions, with professionals bringing more than 15 years of experience in their respective domains. We believe having the right leadership depth is essential as we prepare the organization for the next phase of sustainable growth. Overall, our strategy remains unchanged. We will continue to scale the business in a manner where systems, technology, governance, and risk management remain ahead of growth. We are Page 3 of 13 Finkurve Financial Services Limited August 13, 2026 not focused on optimizing for individual quarters. Rather, our objective is to build an institution that delivers consistent performance across business cycles. Competition within the industry will continue to evolve, and market conditions will inevitably change over time. However, we believe enduring leadership in lending is not determined by who grows the fastest during favourable periods, but by who continues to execute with consistency when the operating environment becomes more challenging. We are pleased to have closed another quarter with continued progress across our key operating and financial metrics. More importantly [Showing first 8,000 characters — download PDF for full document]