Please find enclosed transcript of the earnings conference call with investor(s) and analyst(s) for the quarter and half-year ended September 30, 2026

AI summary - H1 FY2027 GDPI grew 5.4%, below industry growth of 8.9%; excluding Crop and Mass Health, company grew 13.9% vs industry 13.2% - Motor segment grew 13.0% with 10.3% market share; combined ratio stable around 65-67% loss ratio range - Health segment grew 26.8%, Retail Health up 66.4%, market share 5.0% in Sept 2026 - Combined ratio Q2 FY2027 at 104.5%, excluding CAT losses 102.7%; H1 FY2027 combined ratio 105.2%, excluding CAT 104.2% - Profit after tax Q2 FY2027 up 27.5% to ₹10.31bn; H1 FY2027 PAT down 5.8% to ₹14.54bn - Investment assets ₹643.32bn; RoAE Q2 FY2027 23.7%, H1 FY2027 16.8% - Incremental Motor Third Party reserves taken in Q1 FY2027 post Supreme Court judgement; now integrated into business as usual - Distribution reforms expected to improve penetration and affordability; commission rationalization ongoing - EV penetration in Motor rose to 7-8% of book; loss ratios on EV own damage similar to non-EV - Commercial lines loss ratios improving after Q1 peak; cautious optimism for H2 FY2027 - Digital adoption strong: IL TakeCare app 23.3 million downloads; 73% customer interactions digital - Company declared interim dividend ₹7.00/share for H1 FY2027