Arman Financial Services Limited

INR 2,156 Crore

Management Disbursement Q1FY26 Performance Highlights Assets Under Management Disbursement INR 2,156 Crore (-17% Y-o-Y) INR 387 Crore (16% Y-o-Y) Shareholder’s Equity INR 861 Crore CRAR: Arman (Stan

17%

sement Q1FY26 Performance Highlights Assets Under Management Disbursement INR 2,156 Crore (-17% Y-o-Y) INR 387 Crore (16% Y-o-Y) Shareholder’s Equity INR 861 Crore CRAR: Arman (Standalone):

INR 387 Crore

26 Performance Highlights Assets Under Management Disbursement INR 2,156 Crore (-17% Y-o-Y) INR 387 Crore (16% Y-o-Y) Shareholder’s Equity INR 861 Crore CRAR: Arman (Standalone): 38.24%; CRAR: Namra :

16%

ghlights Assets Under Management Disbursement INR 2,156 Crore (-17% Y-o-Y) INR 387 Crore (16% Y-o-Y) Shareholder’s Equity INR 861 Crore CRAR: Arman (Standalone): 38.24%; CRAR: Namra : 50.14%

INR 861 Crore

Disbursement INR 2,156 Crore (-17% Y-o-Y) INR 387 Crore (16% Y-o-Y) Shareholder’s Equity INR 861 Crore CRAR: Arman (Standalone): 38.24%; CRAR: Namra : 50.14% Profit Before Tax INR (11 Crore) INR 41

38.24%

Y-o-Y) INR 387 Crore (16% Y-o-Y) Shareholder’s Equity INR 861 Crore CRAR: Arman (Standalone): 38.24%; CRAR: Namra : 50.14% Profit Before Tax INR (11 Crore) INR 41 crore in Q1FY25 Profit After T

50.14%

(16% Y-o-Y) Shareholder’s Equity INR 861 Crore CRAR: Arman (Standalone): 38.24%; CRAR: Namra : 50.14% Profit Before Tax INR (11 Crore) INR 41 crore in Q1FY25 Profit After Tax INR (15 Crore) I

11 Crore

ity INR 861 Crore CRAR: Arman (Standalone): 38.24%; CRAR: Namra : 50.14% Profit Before Tax INR (11 Crore) INR 41 crore in Q1FY25 Profit After Tax INR (15 Crore) INR 31 crore in Q1FY25 Provisions

INR 41 crore

Crore CRAR: Arman (Standalone): 38.24%; CRAR: Namra : 50.14% Profit Before Tax INR (11 Crore) INR 41 crore in Q1FY25 Profit After Tax INR (15 Crore) INR 31 crore in Q1FY25 Provisions and Write offs

15 Crore

amra : 50.14% Profit Before Tax INR (11 Crore) INR 41 crore in Q1FY25 Profit After Tax INR (15 Crore) INR 31 crore in Q1FY25 Provisions and Write offs INR 67 Crore* Cumulative Provisions stood at

INR 31 crore

% Profit Before Tax INR (11 Crore) INR 41 crore in Q1FY25 Profit After Tax INR (15 Crore) INR 31 crore in Q1FY25 Provisions and Write offs INR 67 Crore* Cumulative Provisions stood at INR 111 Crore a

INR 67 Crore

in Q1FY25 Profit After Tax INR (15 Crore) INR 31 crore in Q1FY25 Provisions and Write offs INR 67 Crore* Cumulative Provisions stood at INR 111 Crore as on 30 th June 2025 (covering 5.16% of the consol

“Key Ratios (Q1FY26) • Operating in Tier 3-4 & below locations; key growth driver going forward, with Maximum LTVs of 65% • Growth levers: • Increase in finance penetration • Geographical & new product expansion *Yield is excluding DA Income *Yield: 26.19% GNPA: NIL NNPA: NIL 19 2W and Rural 2W Loans (INR Crore) AUM Disbursement Total Income 76 75 14 13 5 5 Avg.”

“• As on 30th June 2025, GNPA for the MSME business stood at 3.80% , 2W business stood at 4.71% while that of LAP business stood at 0.0% • Q1 FY26, Pre-Provisioning Operating Profit has grown by 8% Y-o-Y to ~INR.”

“Average Ticket Size – 4,60,000 • Aim to deliver 5%-6% Post Tax ROA • • • • Self-employed / cash cash-income informal segment customers Plans to expand SME Portfolio in way that share of SME book increases to 35% and share of MFI Book reduces to ~60% over time.”

Average Ticket Size

4

Average Ticket Size

1

Investor Relations Advisors

1

Average Ticket Size

INR 76,000 Tenur e: 18 -24 Months Tenure: 24 Months Tenure: 12-36 Months 1.7% Loan Against Property (LAP)

Average Ticket Size

INR 82,500 Tenure: 36-84 Months Tenure: 24 Months Company’s wholly owned subsidiary ‘Namra Finance Limited’ offers microfinance to women % of AUM as of June 2025 Average Ticket Size Based is for full year Q1FY26 Figures may not add up due to rounding off 16 Microfinance Loans (INR Crore) AUM* Disbursement Total Income Profit After Tax Avg. Ticket Size 2,129 356 143 19 1,554 270 102 47,000 ( I N R ) 50,000 Q 1 F Y 2 5 Q 1 F Y 2 6 Q 1 F Y 2 5 Q 1 F Y 2 6 Q 1 F Y 2 5 Q 1 F Y 2 6 *Includes Individual Business Loans • JLG model with small ticket loans (Avg. Ticket Size – INR 50,000) given to women borrowers for income generating activities such as Livestock, Dairy, Agri allied, Kirana Stores • Operations: Operations in 11 states; 391 MFI branches; 5.5+ lakh active customers • Operating Model: • High touch monthly collection model -28 Q 1 F Y 2 5 Q 1 F Y 2 6 Q 1 F Y 2 5 Q 1 F Y 2 6 • Disbursement: 100% Cashless • Credit Check: CRIF / Equifax Score; JLG Model with Training, Home Visit, Lifest

Investor Relations Advisors

Arman Financial Services Limited CIN: L55910GJ1992PLC018623 Mr. Vivek Modi Chief Financial Officer (CFO) Email : vivek@armanindia.com www.armanindia.com Strategic Growth Advisors Pvt. Ltd. CIN: U74140MH2010PTC204285 Mr. Abhishek Shah abhishek.shah@sgapl.net +91 9930651660 www.sgapl.net