TFCILTD

Safe Harbor This presentation has been prepared by Tourism Finance Corporation of India Limited (the “Company”) solely for your information. By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presentation does not constitute or form part of any offer or invitation or inducement to sell or issue, or any solicitation of any offer or recommendation to purchase or subscribe for, any securities of the Company, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract or commitment thereof. In particular, this presentation is not intended to be a prospectus or offer document under the applicable laws of any jurisdiction, including India. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. 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These forward-looking statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause the Company’s actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements or other projections. Important factors that could cause actual results, performance or achievements to differ materially include, among others: (a) our ability to successfully implement our strategy, (b) our growth and expansion plans, (c) changes in regulatory norms applicable to the Company, (d) technological changes, (e) investment income, (f) cash flow projections, and (g) other risks. This presentation is for general information purposes only, without regard to any specific objectives, financial situations or informational needs of any particular person. The Company may alter, modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or changes. 2 Tourism Finance Corporation of India Tourism Finance Corporation of India Ltd. Providing Financing Solutions for 37 Years 3 TFCI – Vision and Mission A responsible and trusted NBFC-ND-ML contributing to economic development and nation building by providing sustainable financing solutions across tourism, real-estate, infrastructure, manufacturing, Vision financial services and other allied & emerging sectors. • To support the development of tourism, real-estate, infrastructure, manufacturing, financial services and other allied & emerging sectors, fostering inclusive economic development and employment generation. • To provide sustainable and tailored financing solutions across tourism, real-estate, infrastructure, manufacturing, financial services and other allied & emerging sectors, promoting long-term value Mission creation and asset quality. • To maintain highest standards of integrity, disciplined risk underwriting and management-cum- regulatory compliance in operations. • To uphold fair practices codes, transparency in operations and high standards of disclosures. • To align with emerging ESG expectations and responsible financing/lending principles. • To create enduring value for stakeholders and commitment to sustainable growth. 4 TFCI’s Key Business Areas ➢ Lending to Hospitality/ Tourism sector for greenfield, brownfield, expansion, modernization/ renovation, long term working capital loan, refinancing and corporate purposes: : ― Term loan for Setting-up Hotel, Resort, Motel, Spa/Health Resort, Apartment Hotels, Guest Houses, other approved Lodgings and restaurant chains. ― Term Loan for last mile funding, expansion, modernization, renovation & acquisition of all the projects mentioned above. ― Term Loan for takeover of existing loans with tenure elongation and top up. ― Term Loan for takeover from AIFs/ARCs of all the projects mentioned above. ― Special Situation Financing for turnaround cases. ➢ Lending to Non – Hospitality sectors for greenfield, brownfield, expansion, modernization/ renovation, long term working capital loan, refinancing and corporate purposes: Real Estate Sector Manufacturing & NBFC/HFC/ARC Infra/ Social Infra Loan Against Shares Other Sectors Sector •Construction Financing to affordable & middle income •Education •NBFCs with secured •Pledge of eligible listed housing projects and limited •Sectors including Cement, School/College/Universities Wholesale loan book equity shares of Group I i h c n i o t v i u e e s s n i t n o g r y projects h ig i h n - in m co a m jo e r S A du t u e r t e a o l b m , l C e o h t a i e v n m e d , i o c c t a o h l n , e s P r u a a m c ll k i e e a r d g ing, •H H e o a s l p th it c a a l/ r N e u – rsing Homes •N re B ta F i C l/ s G w ol i d th l o S a e n c u b r o e o d k • c P o le m d p g a e n o ie f s Unlisted •Builder floor financing in industries •Logistics and warehousing •HFCs Shares of National Stock Non-Hospitality DelhiNCR •Established Manufacturing •Focus on Special •ARCs (backed by RR1 Exchange (NSE) •Construction funding for Units for expansion & long Situations. rated SRs giving cover of •LAS for corporates for commercial term working capital term •Energy Renewable (Solar/ 2.5x) Corporate/LLP/Firm with officespace loan & corporate loans Wind) •Other financial credit rating of BBB •LeaseRentalDiscounting companies •LAS for Individual with •LAPbackedbycashflows minimum credit score of •General Corporate Purpose 700 againstreceivables ➢ Tourism/Hospitality focused advisory services –Project Feasibility Reports, Market Survey and Marketing Tie-ups of tourism projects ➢ Debt Syndication services ➢ Special situation structuring /restructuring and advisory services 5 Financial Performance Highlights – Last 5 years 2021-22 2022-23 2023-24 2024-25 FY25-26 Q1 FY26-27 Particulars (Audited) (Audited) (Audited) (Audited) (Audited) (Reviewed) Interest Income (Rs.in Cr.) 247.89 197.20 195.25 206.86 238.27 72.12 Other Operating Income (Rs.in Cr.) 6.42 34.50 46.79 53.20 38.56 43.03 Total Income (Rs.in Cr.) 254.31 231.7 242.04 260.06 276.83 115.15 Net Interest Income (Rs.in Cr.) 127.85 106.56 94.96 106.69 145.16 45.96 Profit before tax (Rs.in Cr.) 107.9 109.37 113.87 128.02 155.78 78.32 Profit after tax (Rs.in Cr.) 85.32 87.95 91.11 103.81 123.46 61.21 Equity share Capital (Rs.in Cr.) 90.37 90.37 90.37 92.60 92.60 92.60 Reserve and Surplus (Rs.in Cr.) 838.3 926.73 999.25 1123.77 1222.54 1283.58 Net Tangible Worth (Rs.in Cr.) 928.66 1008.94 1074.85 1207.28 1304.84 1366.80 Total Borrowings (Rs.in Cr.) 1278.74 1004.73 983.04 866.09 1083.46 1028.82 Gross AUM (Gross Loans & Project related NCDs) (Rs.in Cr.) 1834.35 1621.48 1588.92 1693.57 2188.87 2002.05 Gross Loan Book (Rs.in Cr.) 1834.35 1621.48 1588.92 1693.57 2088.14 1901.55 Gross NCDs (Project-related NCDs)(Rs.in Cr.) - - - - 100.73 100.50 Investments (Rs.in Cr.) 165.39 337.57 461.18 259.00 147.93 372.24 Gross NPLs (Rs.in Cr.) 13.54 63.62 43.66 54.49 7.82 7.82 Gross NPLs(%) 0.74% 3.92% 2.75% 3.22% 0.37% 0.41% Net NPLs (Rs.in Cr.) 6.77 47.84 23.97 27.24 Nil Nil Net NPLs (%) 0.37% 2.95% 1.51% 1.61% Nil Nil Debt:Equity Ratio 1.38:1 0.98:1 0.91:1 0.72:1 0.83:1 0.75:1 Earning Per Share (Rs.)* 2.00 1.95 2.02 2.24 2.67 1.32 Book Value (Rs.)* 20.55 22.33 23.79 26.08 28.18 29.52 CRAR(%) 54.59% 62.65% 59.05% 69.70% 55.53% 57.13% Return on Loan and Advances (%) 12.44% 12.27% 12.11% 12.45% 12.70% 13.34% Cost of Borrowing (%) 8.80% 9.35% 9.52% 9.64% 9.65% 9.50% NIM (%) 5.77% 4.97% 4.58% 5.07% 6.43% 7.59% *Restated for comparative previous periods due to split of equity share of FV Rs.10 to 5 Equity Shares of FV Rs.2 each 6 Tourism Finance Corporation of India Credit Rating Rating Agency Rating Amount (Rs. In Crs) Rating Action Long Term Bonds Bank Borrowings Assigned for Bonds AA- AA- Upgraded from A+ to AA- for INFOMERICS Outlook:Stable Outlook: Stable Bank Borrowing Bonds: 175.00 (300.00) (March 2026) A+ ACUITE - Reaffirmed Outlook: Stable (December 2025) (950.00) AA- BRICKWORK Upgraded from A+ to AA- Outlook: Stable - (July 2026) (175.00) A INFOMERICSINF Reaffirmed CARE Outlook: Stable - OMERICS (August 2025) (175.00) Short Term Borrowing (Rs. In Crs) INFOMERICSIN A1+ Reaffirmed INFOMERICS FOMERICS Proposed CP: 100cr (March 2026) 7 Tourism Finance Corporation of India Q1FY2026-27 Profitability & Financial Highlights Portfolio Mix – As on 30.06.2026 Particulars No. of Borrowers O/S (Rs. In Cr.) PAN India Presence Loan Portfolio 56 1 ,901.55 NCDs Portfolio (Project-related ) 7 100.50 Gross AUM 63 2 ,002.05 State/Cities AUM (Rs. In Cr.) Maharashtra 599.87 Sectoral Distribution of Loan Portfolio Uttar Pradesh 477.07 Gujarat 323.85 Hotels Infra / Social Delhi 206.11 Hotels Infra 47% 7% Telangana 101.50 Infra / Social Infra Tamil Nadu 8 8.92 ARC & Other Financial Co. 4% Manufacturing Andhra Pradesh 4 6.47 Haryana 2 9.31 Real Estate Kerala 2 5.42 West Bengal 4 7.32 NBFC Rajasthan 1 1.39 Manufacturing Assam 9.00 12% NBFC ARC & Other Andaman & Nicobar 7.49 6% Financial Co. Powered by Bing Karnataka 2 8.33 © GeoNames, Microsoft, TomTom Real Estate Total 2 ,002.05 24% Presence (As on 30th June2026) Historical Presence (Facilities since closed) Note: Map not to scale. All data, information, and maps are provided "as is" without warranty or any representation of accuracy, timeliness or completeness 9 Tourism Finance Corporation of India Quarter1 FY27 – Financial Highlights Profit before provision and tax PBT (Rs. in cr) Total Income (Rs. in cr) (Rs. in cr) 79.52 78.32 40.72 40.72 38.16 38.16 105% 108% Q1FY27 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 PAT (Rs. in cr) Book Value per Share (Rs.)* Earning per Share (Rs.)* 1.32 61.21 29.52 28.18 26.70 30.56 32.02 0.66 0.69 11% 100% 100% Q1FY27 Q1FY26 Q4FY26 Jun-26 Jun-25 Mar-26 Q1FY27 Q1FY26 Q4FY26 *Restated for comparative previous periods due to split of equity share of FV Rs.10 to 5 Equity Shares of FV Rs.2 each 10 Tourism Finance Corporation of India Quarter1 FY27 – Financial Highlights Gross AUM (Gross Loan & Project Gross Loans (Rs. in cr) Return on Avg Loans (%) Related NCDs) (Rs. in cr) 2,088.14 13.34% 2,188.87 1,901.55 13.12% 2,002.05 1,711.67 1,711.67 12.34% 11% 17% Jun-26 Jun-25 Mar-26 Jun-26 Jun-25 Mar-26 Q1FY27 Q1FY26 Q4FY26 Gross NPL (%) Net NPL (%) Borrowings (Rs. in cr) 1,083.46 1,028.82 890.85 0.41% 0.37% 0.24% 0% 0% 0% Jun-26 Jun-25 Mar-26 Jun-26 Jun-25 Mar-26 Jun-26 Jun-25 Mar-26 11 Tourism Finance Corporation of India Quarter1 FY27 – Financial Highlights Cost of Borrowings (%) NIMs (%) ROAE (%) 7.59% 18.33% 9.68% 7.12% 9.63% 6.44% 9.50% 10.00% 10.20% Q1FY27 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 Q1FY27 Q1FY26 Q4FY26 ROAA (%) Tangible Net Worth (Rs. in cr) Capital Adequacy Ratio (%) 10.11% 1,366.80 1,304.84 1,238.37 5.74% 5.49% 10% Q1FY27 Q1FY26 Q4FY26 Q1FY27 Q1FY26 FY26 12 Tourism Finance Corporation of India Profit & Loss Statement – Quarter Ended 30.06.2026 Particulars (Rs. in Cr.) Q1FY27 Q1FY26 Q4FY26 FY26 Total Income 1 15.15 6 5.82 7 3.94 2 76.83 Income Interest Income 7 2.12 5 5.85 6 5.99 2 38.27 Interest Expense 2 6.16 2 1.55 2 4.43 9 3.11 Net Interest Income 4 5.96 3 4.30 4 1.56 1 45.16 Other Income 4 3.03 9 .97 7 .95 3 8.56 Net Total Income 8 8.99 4 4.27 4 9.51 1 83.72 Expenditure Employee Expenses 4 .18 3 .89 4 .57 1 5.78 Depreciation and Amortization expense 0 .14 0 .14 0 .14 0 .56 Other Expenses 5 .15 2 .08 4 .08 1 1.60 Total Expenditure 9 .47 6 .11 8 .79 2 7.94 Pre Provision and pre fair value diminution operating profit 7 9.52 3 8.16 4 0.72 1 55.78 Provisions and diminution in fair value 1 .20 - - - Profit Before Tax 7 8.32 3 8.16 4 0.72 1 55.78 Tax 1 7.11 7 .60 8 .70 3 2.32 Profit After Tax 6 1.21 3 0.56 3 2.02 1 23.46 Other Comprehensive Income (0.15) (0.22) (0.08) 3 .23 Total Comprehensive Income (PAT + OCI) 6 1.06 3 0.34 3 1.94 1 26.69 EPS (Rs.)* 1 .32 0 .66 0 .69 2 .67 *Restated for comparative previous periods due to split of equity share of FV Rs.10 to 5 Equity Shares of FV Rs.2 each 13 Tourism Finance Corporation of India Balance Sheet As at 30.06.2026 Particulars (Rs. in Cr.) 30-06-2026 30-06-2025 31-03-2026 Particulars (Rs. in Cr.) 30-06-2026 30-06-2025 31-03-2026 Assets Financial Assets 2,416.61 2,130.09 2,383.43 Liabilities Cash & Cash Equivalents 66.16 91.40 51.23 Financial Liabilities 1,049.86 908.03 1,093.62 Bank balance other than cash & cash equivalents 1.38 1.33 16.39 Receivables 0.61 0.03 0.05 Trade Payable - - - Loans & Advances Secured/Unsecured Debentures 174.72 334.34 174.71 Gross Loans & Advances 1901.55 1711.67 2088.14 Loan to Employees (Net) 0.17 0.17 0.17 Bank Borrowings 848.63 553.11 902.90 Less: Unamortised upfront fee 0.15 0.20 0.16 Other financial Liabilities 26.51 20.59 16.01 Less: Impairment Loss/ ECL 37.36 36.16 36.16 Net Loans & Advances 1864.21 1675.48 2051.99 Non - Financial Liabilities 7.57 1.76 3.04 Investments 472.74 349.40 248.66 Provisions 1.83 0.65 2.08 - NCDs & Bonds 155.97 25.25 157.66 - Certificate of Deposit and CP - 24.52 - Current Tax Liabilities (Net) 4.71 - - - Debt Based Mutual Funds 220.15 251.81 - Other non-financial liabilities 1.04 1.11 0.96 - Alternate Investment Funds 5.63 - - - Security Receipts 27.69 27.69 27.69 Equity 1,376.18 1,246.67 1,315.14 - Equity(Listed/Unlisted) and CCPS 63.30 20.13 63.31 Equity Share Capital 92.60 92.60 92.60 Other Financial Assets 11.51 12.46 15.11 Non - Financial Assets 17.01 26.37 28.36 Reserves & Surplus 1,283.58 1,154.07 1,222.54 Current Tax Assets (Net) - 7.88 10.70 Total Liabilities 2,433.62 2,156.46 2,411.80 Deferred Tax Assets (Net) 3.11 4.15 3.11 Property Plant & Equipment 12.78 13.08 12.86 Right to Use Assets 0.30 0.48 0.34 Other Intangible Assets 0.05 0.09 0.06 Other non-financial assets 0.77 0.70 1.30 Total Assets 2,433.62 2,156.46 2,411.80 14 Tourism Finance Corporation of India Eminent Board & Experienced Management Team Eminent Board of Directors Sh. Ashok Kumar Garg Dr. S. Ravi Sh. Parkash Chand Mrs. Thankom T Mathew Independent Director Non-Executive Chairman Director Independent Director (Non-Independent Director) (Representing LIC) Dr. Mahabaleshwara MS Sh. Deepak Amitabh Sh. Aditya Kumar Halwasiya Sh. Anoop Bali Independent Director Independent Director Director Managing Director & CFO 16 Tourism Finance Corporation of India Managing Director & Leadership Team • Masters in Business Administration (Gold Medalist) • Has over 35 years of experience in Credit appraisal, Monitoring & Recovery, NPA/Stressed Asset Management, Legal Matters, Risk Management, Accounts & Finance, Treasury and Resource Management, Corporate Advisory, etc. • Has expertise in development of varied hospitality projects, branding and financial structuring. Mr. Anoop Bali • Eminent speaker at various tourism forums and has played key role in tourism Managing Director & CFO planning with several State Governments/ Ministry of Tourism, Govt of India. 17 Tourism Finance Corporation of India Managing Director & Leadership Team Mrs. Charu Singh, President (Credit) ▪ 27 years’ experience in project finance, appraisals & corporate finance functions with focus on tourism, urban infrastructure & manufacturing sectors ▪ Has contributed across multiple domains viz. credit appraisals, project monitoring & follow-up, credit risk management, NPA resolution and various consultancy assignments ▪ Holds an MBA (Finance) degree and is a qualified Cost Accountant (ICMAI). She is also an Certified Associate of Indian Institute of Bankers (CAIIB) , Mr. Rajiv Singh Senior Vice President (Finance and Accounts) • 26 years’ experience with listed companies, public financial institution in Company Secretary functions, Accounts Finance, Resource Mobilisation, Banking operations, Risk Management, Treasury, RBI Compliances etc. • An associate member of Institute of Company Secretaries of India(ICSI), Institute of Cost Accountants of India(ICMAI) and holds Bachelor of Law Degree(LLB) from Delhi University He is also a Certified Associate of Indian Institute of Bankers (CAIIB) , Mr. Sanjay Ahuja Senior Vice President and Company Secretary • 30 years’ experience in corporate laws and governance related matters • Fellow Member of the Institute of Company Secretaries of India, member of Institute of Cost Accountants of India and is a Law Graduate • Contributed across multiple domains viz Corporate Laws compliances, Human Resource, Administration, Risk Management, treasury and resource raising etc. 18 Tourism Finance Corporation of India Managing Director & Leadership Team Mr. Tarun Gupta, Vice President (Business Development & Credit) • 19 years’ experience in wholesale banking including real estate, project financing, structured finance and business development. • He is B.Tech from IIT Delhi and Post graduate in Advanced Finance. Mr. Sanjay Modi, Vice President (Business Development & Credit) • 18 years’ experience in business sourcing, debt syndication, project finance, wholesale/structured lending, promoter funding, acquisition finance, financial analysis & structuring and credit appraisal of large & mid-corp. projects etc. • He is B.E. (NIT Jaipur), PGDBM (IIM, Bangalore),. Mr. Rudra Nath Jha, Vice President (Legal) • 30 years’ experience in various sectors viz. NBFC, telecom, real estate and electricity distribution with focus on regulatory policies coupled with strategic litigation, Merger & Acquisition, statutory compliances and implemented best practices of the corporate world and became a solution provider. • B.com &LLB. Shri P.K. Naik, Chief Technology Officer • 32 years’ experience in IT Governance, Information System and IT Infrastructure management, Information Security & Data protection, Business Continuity Planning, Compliances and Business Automation in Financial Sector. • A Master in Computer Application (MCA), Certified Information System Auditor (CISA) 19 Tourism Finance Corporation of India Thank You Mr. Sanjay Ahuja, Company Secretary Email id: complianceofficer@tfciltd.com Website : www.tfciltd.com Registered & Corporate Office: 4th Floor, Tower-1 NBCC Plaza, Pushp Vihar Sector 5, Saket, New Delhi 110017 India 20