Poonawalla Fincorp Limited

rs,

tober 17, 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

68%

ors, Management Team, ESG and Awards 1. Key Highlights Q2FY26- Financial Highlights AUM growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5%

₹47,701

and Awards 1. Key Highlights Q2FY26- Financial Highlights AUM growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA

68.0%

1. Key Highlights Q2FY26- Financial Highlights AUM growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85%

15.6%

hlights Q2FY26- Financial Highlights AUM growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18

₹905

FY26- Financial Highlights AUM growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18.5% QoQ 1.

40.3%

ancial Highlights AUM growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18.5% QoQ 1.59% 25 b

17.8%

hlights AUM growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18.5% QoQ 1.59% 25 bps NII in

₹387

growth at 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18.5% QoQ 1.59% 25 bps NII includes fee

38.5%

t 68% YoY AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18.5% QoQ 1.59% 25 bps NII includes fee and other

19.1%

AUM NII PPoP ₹47,701 Cr 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18.5% QoQ 1.59% 25 bps NII includes fee and other income ▪

20.85%

r 68.0% YoY 15.6% QoQ ₹905 Cr 40.3% YoY 17.8% QoQ ₹387 Cr 38.5% YoY 19.1% QoQ CAR PAT GNPA 20.85% ₹74 Cr 18.5% QoQ 1.59% 25 bps NII includes fee and other income ▪ ▪ Equity infusion of ~Rs.

“RegIntel Project Implemented Project Underway Enhanced Customer Experience |Higher Productivity | Improved risk efficiency 1.”

Subject

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Reference

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Advancing Channel Partnerships

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Employees

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Employee Lifecycle Management

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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 half year ended September 30, 2025. 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 SEBI Listing Regulations. Kindly take the above intimation on record. Thanking You, Yours faithfully, For Poonawalla Fincorp Limited Shabnum Zaman Company Secretary ACS-13918 Classification | INTERNAL Q2FY26 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, t

Advancing Channel Partnerships

Onboarding dealers, DSAs, partners across geographies ▪ Deepening customer ▪ engagement and stickiness Cross-sell to customer cohorts for high customer lifetime value at lower acquisition cost ▪ Gaining market share each year Becoming the financial partner of choice for our customers 10 New products launched Risk diversification and Cross-sell flywheel New products launched PL Prime Education Loan Commercial Vehicle Loan Consumer Durable Loan Shopkeeper Loan Gold Loan ▪ Launched industry- first PL Prime Digital 24x7 in March-2025 ▪ ▪ Quality of customers ▪ Foundation for cross- selling other products Launched digital journeys and physical distribution platform For Salaried customers of top corporates ▪ ▪ High Customer ▪ Lifetime Value ▪ Well-defined end use Cross sell opportunity to both parents and students ▪ ▪ ▪ ▪ Secured business Low finance penetration in Used CVs Cross-sell opportunity Focus on Used CVs ▪ ▪ ▪ ▪ ▪ Build large customer franchise Become a household brand Brand visibi

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 4. Candidate Search - Sourcing Engine 5. ER Governance Tool Admin and Infrastructure-3 1. AI-driven Agreement Validation. 2. Legal document vetting, Title Search, contract analysis, etc. in multiple languages 3. Travel booking automation Operations-6 1. RC Limit Management 2. Operation Governance 3. Re-KYC 4. Auto Knock Off/ Waiver in Matured Contracts 5. Stamp Verification 6. Disbursal Process AI agent 1. Agentic Layer automating data discovery, model algorithm selection, and repository creation for efficient review Finance-5 Finance Bot Payment Operations Invoice Auto Verification (Phase 1) Treasury Taxation 1. 2. 3. 4. 5. 1. DartGenie: Teams can directly create and build reports using natural language 2. BuildBuddy: Integrating Co-Pilot with ex

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), Machine Learning (ML) and Automation with emphasis on Large Language Models (LLMs). 20 3. Financial Overview Assets Under Management Solid AUM growth with right product mix ▪ Robust AUM growth across all products, new products contributed 8% to total AUM ▪ Secured to Unsecured