Poonawalla Fincorp Limited

rs,

April 25, 2025 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

42.5%

ion by launching additional products Using AI to strengthen risk management ✓ Robust AUM growth: 42.5% YoY ✓ Investments in business for sustainable & profitable growth 5 FY25- Financial Highlight

₹35,631

growth 5 FY25- Financial Highlights Robust AUM growth and stable asset quality AUM NII PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps Y

43%

FY25- Financial Highlights Robust AUM growth and stable asset quality AUM NII PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII

₹2,708

ancial Highlights Robust AUM growth and stable asset quality AUM NII PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII includes fee

23%

lights Robust AUM growth and stable asset quality AUM NII PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII includes fee and ot

₹1,417

bust AUM growth and stable asset quality AUM NII PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII includes fee and other income ▪

2%

owth and stable asset quality AUM NII PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII includes fee and other income ▪ Recor

22.94%

ality AUM NII PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII includes fee and other income ▪ Recorded strong AUM growth of 43%

1.84%

PPoP ₹35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII includes fee and other income ▪ Recorded strong AUM growth of 43% ▪ NII grew by 2

68bps

35,631 Cr 43% YoY ₹2,708 Cr 23% YoY ₹1,417 Cr 2% YoY CAR PAT GNPA 22.94% ₹(98) Cr 1.84% 68bps YoY NII includes fee and other income ▪ Recorded strong AUM growth of 43% ▪ NII grew by 23% YoY

₹ 666 Crore

rom 49:51 last year Investment in 6 new businesses ▪ One-time accelerated provision in Q2FY25 of ₹ 666 Crore. Improved PCR to 54.47% vs 49.39% last year ▪ PAT impacted during the year due to one- time Opex

“Develop Suspicious Transaction Report with help of AI/ML/LLM Project Implemented Project Underway Enhanced Customer Experience |Higher Productivity | Improved risk efficiency 17 Risk Management integrated into the strategy Comprehensive risk management framework RISKMANAGEMENT ARCHITECTURE Liquidity Risk Credit Risk .”

Subject

1

Reference

1

Employees

1

Employee Lifecycle Management

1

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 for the quarter and year ended March 31, 2025. The presentation is also being uploaded on the website of the Company at the URL https://poonawallafincorp.com/investor-governance in accordance with Regulation 46 of the SEBI Listing Regulations. Kindly take the above intimation on record. Thanking You, Yours faithfully, For Poonawalla Fincorp Limited Shabnum Zaman Company Secretary ACS-13918 Encl: As above Classification | INTERNAL Q4FY25 Sustainable | Predictable | Productive Disclaimer This presentation and the accompanying slides have been prepared by Poonawalla Fincorp Ltd. solely for informational purposes. They do not constitute an offer, recommendation, or invitation to purchase or subscribe for any securities. Furthermore,

Employees

1. MS-Teams based Employee conversational agent 1. Predictive Analytics for Anticipating Customer Needs 2. Customer Service AI agent (with voice and chat) 2. Early Warning System 3. Human Agent Assist 3. Skill Building & Enhancement Assistant Admin and Infrastructure-2 1. Agentic Layer automating data discovery, model algorithm selection, and repository creation for efficient review 1. DartGenie: Teams can directly create and build reports using natural language 2. BuildBuddy: Integrating Co-Pilot with existing toolkits to boost development efficiency and accelerating deployment 1. AI-driven Agreement Validation. 2. Legal document vetting, Title Search, contract analysis, etc. in multiple languages Operations-2 1. RC Limit Management 2. Operation Governance AI-powered tools to streamline the operational aspects of the underwriting process 1. AI-based support tools for faster and standardized data interpretation 2. Optimized document parsing and validation to assist credit teams in deci

Employee Lifecycle Management

AI-enabled tools for continuous support to employees from Onboarding to Career Development Focus on employee wellbeing Empowering Managers Managers to be equipped with AI-driven insights empowering decision making Our Culture Customer-First Governance-First Risk-First AI-First Impact Increased engagement with employees promoting their learning and development, navigation of career paths, and informed career choices Better outcomes for both the candidates and our hiring process. Transforming various stages of employees' journey. Fostering employee engagement with enhanced satisfaction and focus on wellness Improving managerial efficiency and fostering leadership development. Leveraging Artificial Intelligence (AI) and Machine Learning (ML), emphasis on Large Language Models (LLMs), to drive towards goal of “Zero lag” in resolving employee queries 21 3. Financial Overview Assets Under Management Solid AUM growth with right product mix ▪ Robust AUM growth across all products ▪ Secured to