Transcript of Conference Call held in respect of Financial Results for the quarter ended 30.06.2026

AI summary - Q1 FY2027 AUM grew 28% y-y to Rs.67,074 million; disbursements up 128% y-y to Rs.17,309 million - Total income rose 19% y-y to Rs.2,603 million; net interest margin steady at 6.6% - PAT increased 30% y-y to Rs.613 million; ROA 3.6%, ROE 13.4% - Gross NPA 0.70%, net NPA 0.49%; collection efficiency 97.5% - Cost of borrowing declined 64 bps y-y to 10.1% - Strategy pillars: distribution expansion to 5,995 touch points, product diversification, AI integration, liability management - AI usage expanded in onboarding, underwriting, collections; 200k AI calls/day; platform revamp underway - Target to double AUM, income, and PAT in 3 years while maintaining asset quality - Promoters increased stake by ~5%, signaling strong growth conviction