IndoStar Capital Finance Limited

rs,

ICFL/LS/00136/2025-26 August 13, 2025 BSE Limited Listing Department, 1st Floor, P J Towers, Dalal Street, Fort, Mumbai - 400 001. National Stock Exchange of India Limited Exchange Plaza, C

rs 451

Asset Quality 7,783 crs AUM On Book: 7,166 crs Off BooK: 617 crs Q1FY25 7,170 crs | Q4FY25 7,963 crs 451 Number of Branches 535 crs* PAT Q1FY25 11 crs | Q4FY25 12 crs 3,795 Net-worth 4.04% Gross Stage

rs 3,795

FY25 7,170 crs | Q4FY25 7,963 crs 451 Number of Branches 535 crs* PAT Q1FY25 11 crs | Q4FY25 12 crs 3,795 Net-worth 4.04% Gross Stage 3 Q1FY25 4.97% | Q4FY25 4.52% 858 crs Disbursement Q1FY25 1,416 crs |

4.04%

5 7,963 crs 451 Number of Branches 535 crs* PAT Q1FY25 11 crs | Q4FY25 12 crs 3,795 Net-worth 4.04% Gross Stage 3 Q1FY25 4.97% | Q4FY25 4.52% 858 crs Disbursement Q1FY25 1,416 crs | Q4FY25 1,081 crs

4.97%

Branches 535 crs* PAT Q1FY25 11 crs | Q4FY25 12 crs 3,795 Net-worth 4.04% Gross Stage 3 Q1FY25 4.97% | Q4FY25 4.52% 858 crs Disbursement Q1FY25 1,416 crs | Q4FY25 1,081 crs 4,140 Number of Employee

4.52%

crs* PAT Q1FY25 11 crs | Q4FY25 12 crs 3,795 Net-worth 4.04% Gross Stage 3 Q1FY25 4.97% | Q4FY25 4.52% 858 crs Disbursement Q1FY25 1,416 crs | Q4FY25 1,081 crs 4,140 Number of Employee 19.3%* RoA Q1

rs 4,140

4% Gross Stage 3 Q1FY25 4.97% | Q4FY25 4.52% 858 crs Disbursement Q1FY25 1,416 crs | Q4FY25 1,081 crs 4,140 Number of Employee 19.3%* RoA Q1FY25 0.5%% | Q4FY25 0.5% Available Liquidity: 1,076 crs Undrawn li

19.3%

Q4FY25 4.52% 858 crs Disbursement Q1FY25 1,416 crs | Q4FY25 1,081 crs 4,140 Number of Employee 19.3%* RoA Q1FY25 0.5%% | Q4FY25 0.5% Available Liquidity: 1,076 crs Undrawn limit: 308 crs Treasury Ass

0.5%

crs Disbursement Q1FY25 1,416 crs | Q4FY25 1,081 crs 4,140 Number of Employee 19.3%* RoA Q1FY25 0.5%% | Q4FY25 0.5% Available Liquidity: 1,076 crs Undrawn limit: 308 crs Treasury Asset: 768 crs 1.68

rs 1.68

Y25 0.5%% | Q4FY25 0.5% Available Liquidity: 1,076 crs Undrawn limit: 308 crs Treasury Asset: 768 crs 1.68% Net Stage 3 Q1FY25 2.36% | Q4FY25 2.46% 7,232 crs Vehicle Finance AUM Q1FY25 6,323 crs | Q4FY25

2.36%

lable Liquidity: 1,076 crs Undrawn limit: 308 crs Treasury Asset: 768 crs 1.68% Net Stage 3 Q1FY25 2.36% | Q4FY25 2.46% 7,232 crs Vehicle Finance AUM Q1FY25 6,323 crs | Q4FY25 7,401 crs 23 states Pan I

2.46%

: 1,076 crs Undrawn limit: 308 crs Treasury Asset: 768 crs 1.68% Net Stage 3 Q1FY25 2.36% | Q4FY25 2.46% 7,232 crs Vehicle Finance AUM Q1FY25 6,323 crs | Q4FY25 7,401 crs 23 states Pan India presence

“No offering of securities of the Company will be made except by means of a statutory offering document containing detailed information about the Company.”

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Credit Rating

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Product Coverage Includes

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Investor Presentation on Unaudited Financial Results (Standalone and Consolidated) for the quarter ended June 30, 2025 Ref.: Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“Listing Regulations”) Dear Sir/ Madam, Pursuant to Regulation 30 of Listing Regulations, please find enclosed Investor Presentation on Unaudited Financial Results (Standalone and Consolidated) of the Company for the quarter ended June 30, 2025. Request you to kindly take the above on record and disseminate the same on your website. Thanking you, Yours faithfully, For IndoStar Capital Finance Limited Shikha Jain Company Secretary & Compliance Officer (Membership No. A59686) Encl.: a/a IndoStar Capital Finance Limited Registered Office: Silver Utopia, Third Floor, Unit No 301-A, Opposite P & G Plaza, Cardinal Gracious Road, Chakala, Andheri (E), Mumbai - 400099, India. | T +91 22 4315 7000 | contact@indostarcapital.com | www.indostarcapita

Credit Rating

➢ Long term: AA- (Stable) ➢ Short term: A1(+) Rigorous efforts has enabled in reducing the quarterly WACB by 30 bps (QoQ) to 10.5% in Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 ^papm basis Weighted Avg COB Incremental COB 8 Strong ALM profile with comfortable liquidity Structural liquidity Statement – Jun-25 ₹ Crores Cumulative inflow Cumulative outflow 13,258 12,683 11,709 9,693 8,795 9,122 538 392 653 422 854 616 2,361 2,085 1,667 1,422 5,052 4,842 3,327 2,992 1D-7D 8D-14D 15D-30D 1M-2M 2M-3M 3M-6M 6M-1Y 1Y-3Y 3Y-5Y Abv 5Y Cumulative mismatch as % of cumulative total outflows 37% 55% 39% 17% 13% 11% 4% 10% 28% 5% Liquidity Buffer 1,076 Undrawn Line Limit 308 High-quality liquid assets for LCR Unencumbered Fixed Deposits 280 60 Debt Mutual Fund 426 Cash & Cash Equivalent 2 Available Liquidity o Positive Cumulative Mismatch Across All Buckets: Demonstrates robust ALM, ensuring stability across short- and long-term horizons. o Strong Liquidity Profile: Backed by substantial liquidity buf

Product Coverage Includes

▪ New and Used Commercial Vehicles: Covering small, medium, and heavy commercial vehicles ▪ ▪ ▪ Construction Equipment and Vehicles Tractors and Farm Equipment Cars and Multi-Utility Vehicles (MUVs) AUM of ₹ 7,232 crs AUM: On-book:₹ 6,752 crs + Off-book ₹ 479 crs Disbursements in Q1FY26: ₹ 831 crs Disbursements Yield ~18.4% Used Vehicle Disbursement of 99% in Q1FY26 Presence across 23 States Average LTV was 70.3% in Q1FY26 Gross Stage 3 of 3.81% Net Stage 3 of 1.74% 13 Vehicle Finance : Key Operational Parameters Disbursements (₹ crs) 5,167 4,253 AUM (₹ crs) 7,401 7,232 5,594 3,671 1,435 831 FY23 FY24 FY25 Q1FY26 FY23 FY24 FY25 Q1FY26 Disbursement Mix (Product- Wise) (%) AUM Mix (Product –Wise) (%) 9% 9% 8% 18% Q1FY26 8% 4% 20% 25% 11% 8% June 2025 6% 6% 3% 12% 14% 40% CE BUS CAR Utility Vehicles M&HCV LCV & ICV Farm Equipment SCV CE BUS CAR Utility Vehicles M&HCV LCV & ICV Farm Equipment SCV 14 Micro LAP Overview of Micro LAP ▪ ▪ Launched the Micro LAP (Loan Against Property) product