Poonawalla Fincorp Limited

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27 July 2022 BSE Limited Corporate Relationship Department 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400 001. BSE Scrip Code: 524000 National Stock Exchange of India Li

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hlights: Consolidated 16-23 Business and Financial Highlights: Subsidiary (PHFL) 24-31 Board Members 32-33 Appendix: Digital Capabilities 34-39 2 Poonawalla Fincorp At a Glance What defines us “Youn

₹ 17,660

“Focussed on creating value for customers, shareholders, employees and other stakeholders” AUM ₹ 17,660 Cr +22% YoY | +7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ

22%

creating value for customers, shareholders, employees and other stakeholders” AUM ₹ 17,660 Cr +22% YoY | +7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stag

7%

alue for customers, shareholders, employees and other stakeholders” AUM ₹ 17,660 Cr +22% YoY | +7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95

2.19%

reholders, employees and other stakeholders” AUM ₹ 17,660 Cr +22% YoY | +7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95% -319 bps YoY | -47 bps

₹ 3,436

er stakeholders” AUM ₹ 17,660 Cr +22% YoY | +7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95% -319 bps YoY | -47 bps QoQ -176 bps YoY | -16 bps QoQ

98%

rs” AUM ₹ 17,660 Cr +22% YoY | +7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95% -319 bps YoY | -47 bps QoQ -176 bps YoY | -16 bps QoQ RoA

3%

17,660 Cr +22% YoY | +7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95% -319 bps YoY | -47 bps QoQ -176 bps YoY | -16 bps QoQ RoA 3.4% +155

0.95%

+7% QoQ Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95% -319 bps YoY | -47 bps QoQ -176 bps YoY | -16 bps QoQ RoA 3.4% +155 bps YoY | +29 bps QoQ

319 bps

Gross Stage 3 2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95% -319 bps YoY | -47 bps QoQ -176 bps YoY | -16 bps QoQ RoA 3.4% +155 bps YoY | +29 bps QoQ Debt / Equi

47 bps

2.19% Q1FY23 Disbursement ₹ 3,436 Cr +98% YoY | +3% QoQ Net Stage 3 0.95% -319 bps YoY | -47 bps QoQ -176 bps YoY | -16 bps QoQ RoA 3.4% +155 bps YoY | +29 bps QoQ Debt / Equity 1.7x Netw

Subject

1

New Products launched

1

Annexure

1

Subject

Investors/Analysts’ Presentation Reference: Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (‘SEBI Listing Regulations’) Pursuant to Regulation 30 of the SEBI Listing Regulations we are enclosing herewith the presentation to be made to the Investors/Analysts on the Unaudited Financial Results of the Company for the quarter ended 30 June 2022. The presentation is also being uploaded on the website of the Company at the URL https://poonawallafincorp.com/investor-financials.php in accordance with Regulation 46 of the Listing Regulations. Kindly take the above intimation on record. Thanking You, Yours faithfully, For Poonawalla Fincorp Limited (Formerly, Magma Fincorp Limited) Shabnum Zaman Company Secretary ACS-13918 Poonawalla Fincorp Limited (Formerly known as Magma Fincorp Limited) Investor Presentation Q1FY23 Agenda 1 2 3 4 5 6 Overview 2-6 Executive Summary & Business Update 7-15 Business and Financial Highlights: Consolidated 16-23 Busin

New Products launched

North : West : South : East AUM % mix Supply Chain Finance & Machinery Loan Jun22:- 28 : 27 : 31 : 15 | Mar22:- 30 : 24 : 28 : 18 RoA rises to 4.1%; 89 bps QoQ & 224 bps YoY PAT stood at ₹ 124 cr; 38.7% QoQ &  148.2% YoY Reduction in CoB: 7.0% | 275 bps YoY &   57 bps QoQ Raised capital market borrowings ₹ 450 cr CP & ₹ 250 cr maiden NCD 12 Executive Summary - PHFL Key Highlights Q1FY23 AUM stands at ₹ 5,282 cr as on Jun22;  31% YoY Gross Stage 3 Assets of 0.87%; 107 bps YoY  Disbursement of ₹ 535 cr in Q1FY23; 116% YoY Operating in 20 states; 128 branches as on Jun 22 Reduction in CoB; 6.8% for Q1FY23; 236 bps YoY  North : West : South : East AUM mix % Jun22:- 33 : 34 : 26 : 7 | Mar22:- 33 : 34 : 26 : 7 PBT of ₹ 40 cr in Q1FY23; 247% YoY Credit rating of ‘AA+/ Stable’ by CRISIL and CARE State of the art, cloud-hosted LOS, LMS & CRM; Initiated fund raise of upto ₹ 1,000 cr for value unlocking Implemented digital onboarding journey for customers & future growth 13 Digital Tra

Annexure

Digital Capabilities Building a Tech Led Play Customers Self service online web application Contact center led digital onboarding Contactless customer service through Bots Partners Extended API Infrastructure CRM Extension Market Place Partnerships Digitized Operating Layer with controls inbuilt Sales Team Digitization Credit Decision Automation Robotic Process Automation Digitized Collections Modular || Scalable || Secure || Analytics Driven || Plug & Play Technology API Backbone Cloud Ready Infrastructure Best-in-Class Infosec Data Analytics Driven 36 Deep Investments in Technology Building an integrated one stop solution for our customers and partners Core Micro Services based architecture Cloud Cloud based applications API Factory API based backbone for integrations Infosec Cyber resilience competencies and threat intelligence tools Omni channel presence getting powered through the data science engine 37 Digital to the Core Digitalizing end to end journey Digital KYC Smart Contract