Poonawalla Fincorp Limited

rs,

July 24, 2023 BSE Limited Corporate Relationship Department 25th Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400 001. BSE Scrip Code: 524000 Dear Sir / Madam, National Stock

4.0%

“Technology led and customer centric approach” “Business construct to deliver sustainable RoA of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ

4.5%

nology led and customer centric approach” “Business construct to deliver sustainable RoA of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹

₹ 17,776 crore

and customer centric approach” “Business construct to deliver sustainable RoA of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY |

41%

tric approach” “Business construct to deliver sustainable RoA of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11%

10%

ch” “Business construct to deliver sustainable RoA of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11% QoQ NIM 1

₹ 7,063 crore

t to deliver sustainable RoA of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11% QoQ NIM 11.4% +108 bps YoY | +12 bps QoQ

143%

stainable RoA of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11% QoQ NIM 11.4% +108 bps YoY | +12 bps QoQ GNPA*

11%

A of 4.0% - 4.5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11% QoQ NIM 11.4% +108 bps YoY | +12 bps QoQ GNPA* 1.42% -12

₹ 200 crore

5%” AUM ₹ 17,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11% QoQ NIM 11.4% +108 bps YoY | +12 bps QoQ GNPA* 1.42% -126 bps YoY | -2 bps QoQ

62%

,776 crore +41% YoY | +10% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11% QoQ NIM 11.4% +108 bps YoY | +12 bps QoQ GNPA* 1.42% -126 bps YoY | -2 bps QoQ NNP

11.4%

% QoQ Disbursement ₹ 7,063 crore +143% YoY | +11% QoQ PAT ₹ 200 crore +62% YoY | +11% QoQ NIM 11.4% +108 bps YoY | +12 bps QoQ GNPA* 1.42% -126 bps YoY | -2 bps QoQ NNPA* 0.76% -35 bps YoY | -2 b

“The transaction is in the last leg of completion and we expect the closure of the same over the next 1 week.”

ROA

1

ROA

4.8% Poonawalla Fincorp’s offering is unique as it combines - User Experience & Agility of Fintech, Cash Flow based underwriting and practical approach like a NBFC and Low rate along with no hidden charges like a bank 23 Opportunity Sizing – Bureau Based Total Live Consumers [220 Million] % Represents YoY Growth % Represents high YoY Growth & Poonawalla Focus Segments +10% 1 account [61%] 2+ accounts [39%] +20% -2% +19% +4% +13% Mortgages [6%] Consumption [16%] Vehicle [10%] Others [30%] Single Product [9%] +17% Multiple Products [29%] +20% Only Unsecured [7%] Only Secured [5%] Both [17%] +33% +7% +20% • Large live customer base available on bureau, hence New To Credit (NTC) not a focus segment • 10% addition YoY to bureau, addition implying a large base expansion and further opportunity for Poonawalla Fincorp • Largest potential on ever expanding consumption / consumer and unsecured loans → strategy aligned to the same Source: TransUnion CIBIL Represents data of Mar-23 over Mar-22 24