LAXMI INDIA FINANCE LIMITED “Sapne dekho bade dekho, Hamare sath unhe pura hote dekho” Q4 and FY26 Investor Presentation

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Table Of Content Q4 and FY26 Financial & Operational Highlights01 Strategic Priorities & Competitive Strengths02 Technology, Credit & Collections04 Customer & Product Profile05 Business Model & Operating Engine03 Governance, Management & Capital Confidence06

Q4 and FY26 Financial & Operational Highlights

FY26 Operational and Financial Snapshot Uttar Pradesh Asset Quality Gross NPA 2.13% Net NPA 1.08% PCR 49.43% 92 (+1) 15 (+11) 40 (+5) 5 (+1) 23(-1) Rajasthan Gujarat Madhya Pradesh Chhattisgarh (+) Represents YoY Increase in Branches Branches in 1 (+1) Maharashtra Note: Profit before tax/Profit after tax is after considering IPO expense amounting to Rs. 2.55 Crores 176 Branches YoY + 18 Assets Under Management (AUM) 27.35% (Mar’25: ₹ 1,277.02 Cr.) ₹ 1,626.26 Cr. Profit Before Tax (PBT) Profit After Tax (PAT) ₹ 49.68 Cr. 38.33% (Mar’25: ₹ 35.91 Cr.) 39.47% (Mar’25: ₹ 47.36 Cr.) ₹ 66.05 Cr. Return On Net Worth Own Book Cost Of Borrowing (COB) Return on Assets Net Interest Income (NII) Capitalization (CRAR) External Credit Rating (Acuite) Employee Base Net Worth Debt Equity Ratio 13.73% ₹ 1,518.56 Cr. 31.74% (Mar’25: ₹ 1,152.65 Cr.) 10.80% 68 bps (Mar’25: 11.48%) 3.08% (Mar’25: 2.98%) 38.65% (Mar’25: ₹ 116.69 Cr.) ₹ 161.78 Cr. Total CRAR – 26.12% Tier I CRAR – 25.61% Tier II CRAR - 0.51% “Upgraded from A- to A / Stable Positive” Debt Equity Ratio1,800+ 80.49% (Mar’25: ₹ 257.89 Cr.) ₹ 465.47 Cr. 2.87 2.47 6

Consistent NII and PAT Growth Trajectory Revenue (In Cr.) Net Interest Income (NII) (In Cr.) Operating Expense (In Cr.) Profit After Tax (PAT) (In Cr.) 129.50 176.22 248.04 319.60 FY23 FY24 FY25 FY26 61.92 82.59 116.69 161.78 FY23 FY24 FY25 FY26 44.09 60.39 74.16 102.15 FY23 FY24 FY25 FY26 15.46 22.47 35.91 49.68 FY23 FY24 FY25 FY26 7

Strong Scale-Up Across AUM, Customers and Network NIM (In %) Yield on Avg. Portfolio (In %) Avg. Cost of Borrowings (In %) Spreads (In %) 10.25 10.14 10.47 11.26 FY23 FY24 FY25 FY26 21.31 20.85 21.77 21.30 FY23 FY24 FY25 FY26 12.42 11.98 11.48 10.80 FY23 FY24 FY25 FY26 8.89 8.87 10.29 10.50 FY23 FY24 FY25 FY26 8

NIM and Spreads Expand on Better Pricing Discipline NIM (In %) Yield on Avg. Portfolio (In %) Avg. Cost of Borrowings (In %) Spreads (In %) 10.25 10.14 10.47 11.26 FY23 FY24 FY25 FY26 21.31 20.85 21.77 21.30 FY23 FY24 FY25 FY26 12.42 11.98 11.48 10.80 FY23 FY24 FY25 FY26 8.89 8.87 10.29 10.50 FY23 FY24 FY25 FY26 9

Strong Liquidity Position with Stable Return Metrics Liquidity (In Cr.) Net Worth (In Cr.) Return on Total Assets (In %) Return on Avg. Net Worth (In %) 140.98 79.68 178.62 185.64 FY23 FY24 FY25 FY26 152.75 201.78 257.89 465.47 FY23 FY24 FY25 FY26 2.29 2.52 2.98 3.08 FY23 FY24 FY25 FY26 11.43 13.71 15.62 13.73 FY23 FY24 FY25 FY26 10

Well Positioned to Capture Future Growth… Debt Equity Ratio Interest Coverage Ratio Capital Adequacy Ratio (In %) 4.10 3.87 4.41 2.87 FY23 FY24 FY25 FY26 1.31 1.35 1.41 1.48 FY23 FY24 FY25 FY26 23.10 21.88 20.80 26.12 FY23 FY24 FY25 FY26 11

Asset Quality Update Credit Cost (In Cr.) Credit Cost (In %) GNPA (In %) NNPA (In %) 1.64 1.95 11.89 14.05 2.38 FY23 FY24 FY25 With Up-Money Default Without Up-Money Default FY26 0.32 0.28 1.20 1.06 0.18 FY23 FY24 FY25 With Up-Money Default Without Up-Money Default FY26 0.57 0.72 1.07 2.13 0.80 FY23 FY24 FY25 With Up-Money Default Without Up-Money Default FY26 0.31 0.33 0.48 1.08 0.53 FY23 FY24 FY25 With Up-Money Default Without Up-Money Default FY26 12

Stage Wise Movement of Loans Stage Wise Movement as on 31st March 2026 Particulars Stage 1 Stage 2 Stage 3 Total Gross carrying amount as at Apr 1, 2025 1086.47 41.59 12.18 1140.24 New assets originated or increase in existing assets 712.07 5.35 12.37 729.79 Assets Closed or repaid (316.48) (17.02) (1.53) (335.03) Transfers from Stage 1 (59.02) 41.90 17.12 0.00 Transfers from Stage 2 14.64 (15.55) 0.91 0.00 Transfers from Stage 3 2.61 0.17 (2.78) 0.00 Sold to ARC (16.36) (9.74) (1.83) (27.93) Write offs (0.01) (0.10) (4.42) (4.53) As at Mar 31, 2026 1423.92 46.59 32.03 1502.53 Stage Wise Movement as on 31st March 2025 Particulars Stage 1 Stage 2 Stage 3 Total Gross carrying amount as at Apr 1, 2024 780.14 34.22 5.97 820.33 New assets originated or increase in existing assets 621.47 8.22 2.60 632.30 Assets Closed or repaid (270.63) (12.24) (0.75) (283.62) Transfers from Stage 1 (41.67) 34.07 7.60 0.00 Transfers from Stage 2 8.94 (10.10) 1.16 0.00 Transfers from Stage 3 0.66 0.22 (0.89) 0.00 Sold to ARC (12.31) (11.62) (0.61) (24.54) Write offs (0.12) (1.19) (2.90) (4.22) As at Mar 31, 2025 1086.47 41.59 12.18 1140.24 13

ALM Position as on 31st March 2026 148.76 275.16 561.10 1,242.02 1,352.59 1,817.78 258.68 401.37 699.80 1,405.01 1,762.52 1,817.78 - 200.00 400.00 600.00 800.00 1,000.00 1,200.00 1,400.00 1,600.00 1,800.00 2,000.00 upto 3 months upto 6 months upto 1 year upto 3 years upto 5 years 5+ years Cumulative Liabilities Cumulative Assets 109.92 126.21 138.70 162.99 409.93Surplus 14

Diversified and Scalable Borrowing Profile Borrowing Mix Incremental Borrowing Mix During FY26 20.41% 25.75% 14.82% 27.32% 4.30% 7.05% 0.34% PSB's Bank's Small Finance Bank NBFC/FI's NCD DA/BC/CL Cash Credit 23.41% 31.37%14.05% 31.17% PSB's Bank's Small Finance Bank NBFC/FI's 15

Profit & Loss Statement Particulars Q4FY26 Q4FY25 Y-o-Y (%) Q3FY26 Q-o-Q (%) FY26 FY25 YoY (%) Interest Earned 88.37 71.93 22.85% 71.99 22.75% 299.12 231.31 29.32% Interest Expenses 36.25 31.67 14.48% 34.03 6.52% 137.34 114.63 19.81% Net Interest Income 52.11 40.26 29.43% 37.95 37.32% 161.78 116.69 38.65% Other Income 5.10 2.99 70.69% 7.84 -34.96% 20.47 16.73 22.38% Total Income (Net of Interest Expense) 57.21 43.25 32.28% 45.79 24.95% 182.25 133.41 36.61% Employee Cost 19.17 14.09 36.03% 19.78 -3.10% 72.51 54.03 34.20% Other Expense 8.42 5.74 46.71% 5.40 56.05% 29.64 20.14 47.20% Operating Exp 27.59 19.83 39.12% 25.18 9.58% 102.15 74.16 37.73% Profit Before Impairment & Tax 29.62 23.42 26.48% 20.61 43.72% 80.10 59.25 35.20% ECL Provision 1.53 3.81 -59.84% 6.24 -75.48% 10.81 9.12 18.53% Write –off 1.02 0.63 61.37% 0.94 8.15% 3.24 2.77 17.01% Total Provision 2.55 4.44 -42.64% 7.18 -64.53% 14.05 11.89 18.18% Profit Before Tax 27.08 18.98 42.65% 13.43 101.59% 66.05 47.36 39.48% Tax 6.56 4.41 48.85% 3.37 94.97% 16.29 11.35 43.51% Implied Tax Rate 24.24% 23.23% 25.06% 24.66% 23.97% Other Comprehensive Income 0.06 -0.05 -0.02 -0.08 -0.09 Profit After Tax & OCI 20.58 14.52 41.73% 10.04 104.91% 49.68 35.91 38.34% 16

Balance Sheet Statement Particulars Q4FY26 Q4FY25 YoY (%) Q3FY26 QoQ (%) Paid-up Equity 26.13 20.91 25.00% 26.13 0.00% Reserves and Surplus 439.34 236.98 85.39% 419.03 4.85% Total Equity 465.47 257.89 80.49% 445.17 4.56% Borrowings 1275.75 1109.68 14.97% 1,180.87 8.03% Debt Securities 61.56 27.39 124.79% 14.92 312.59% Other Liabilities and Provisions 14.99 17.56 -14.63% 13.21 13.50% Total Equity & Liabilities 1817.78 1412.52 28.69% 1,654.17 9.89% Loans 1480.10 1126.91 31.34% 1,330.85 11.21% Non-Financial Assets 24.76 19.58 26.46% 26.00 -4.78% Other Financial Assets 312.93 266.03 17.63% 297.32 5.25% Total Assets 1817.78 1412.52 28.69% 1,654.17 9.89% 17

Strategic Priorities & Competitive Strengths

Strategic Priorities (Medium-Term Focus) Operating Leverage & Profitability Optimisation of leverage to structurally improve returns, with a targeted ROA of 3.50% - 3.75% and ROE of 13.50% - 14.00%, driven by scale benefits, improved asset mix and operating efficiency. Geographic Diversification & Branch Expansion Geographic diversification through calibrated expansion into new and adjacent markets. Branch additions to support deeper penetration, improved sourcing and achievement of targeted ~30% AUM CAGR. Diversified Borrowing & Liability Strategy Diversification of borrowing profile by exploring new funding avenues such as ECBs and consolidation of borrowing mix with larger Private & Public Sector banks, improving cost of funds, tenor mix and balance sheet resilience. Technology-led Execution & Turnaround Efficiency Technology advancement across sourcing, underwriting and servicing to reduce turnaround time (TAT), enhance customer experience and improve operating scalability. Strategic Priorities 19

WHY US? Digital – First Operations 110+ tech tools incl. Tab – based LOS, Synofin LMS/LOS, Synno CRM; reduced TAT, automated workflows, CKYC, and NPA Management. Secure, Scalable Infrastructure 176 Branches On Real-time Systems; Digital Collections (E-NACH, Auto Dialler, M-collection); End-point Security For Remote Connectivity. Diversified Reach 9 products, 42,800+ customers across 6 states; Tier- I/III city focus; aligned with Make in India. Strong Lender Network 50+ PSU, SFB, FI & NBFC partners; zero delays / defaults. Focus on Inclusion 25% of borrowers are rural / semi - rural women entrepreneurs. Experienced Team 1,800+ employees with leadership averaging 10+ years NBFC experience. Laxmi Mitra referral App This app enables real - time tracking and minimal acquisition cost. 01 02 03 04 05 06 07 20

Business Model & Operating Engine

Company Overview Operating Footprint Founded in 1993-94 as Deepak Finance and Leasing Company (DFL) in Jaipur; initially focused on vehicle financing. 2011 - Acquired RBI-registered NBFC Laxmi India Finleasecap Pvt. Ltd.; merged DFL operations; portfolio ~Rs. 32 Cr, 4 branches. Today – 176 Branches across Rajasthan, Gujarat, MP, Chhattisgarh, UP & Maharashtra; serving rural, semi-urban & urban markets. Diverse Portfolio Secured MSME/SME Loans, Mortgage Loans, Business Loans, LAP, Personal Loans, Commercial & Non-Commercial Vehicle Loans, Tractor Loans, Two-Wheelers, Electric Vehicles, Wholesale Lending. Tech-enabled Operations Centralised control from Jaipur HQ with online LMS & LOS systems for efficiency and scalability. 22

Consistent Scale-Up Across AUM, Profitability and Footprint FY18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 ₹462 ₹200 ₹961 ₹532 ₹421 ₹326 ₹687 ₹1,277 ₹1,626 4 9 10 10 15 15 22 36 50 Crossed AUM of ₹ 400 Cr. Forayed in new geography i.e. Madhya Pradesh Branch Network crossed to 65 Forayed in new geography i.e. Gujarat Crossed AUM of ₹ 200 Cr. External credit Rating “BB+” Equity Infusion of ₹ 16.87 Cr. External credit Rating “BBB+” Listed NCD on BSE at WDM Upgrade in external credit rating to “A-” Crossed Net-worth of ₹ 125 Cr. Branch network crossed 100. AUM crossed ₹ 1,000 Cr. Forayed in new geography i.e., Uttar-Pradesh Successfully completed IPO in August 2025; AUM crossed ₹ 1,600 Cr. External Credit Rating had been upgraded from “A-” to “A”/Stable Forayed in new geography i.e., Maharashtra Forayed in new geography i.e., Chhattisgarh. Equity Infusion of ₹ 26.66 Cr. AUM (In Cr.) PAT (In Cr.) 23

Branch-Led, Relationship-Driven Operating Model High Income Customers Middle Income Customers (Our customers) Low Income Customers (our customers) COLLECTION CENTRE Village-level points for deposits and collections HUB BRANCHES Major city centres handling routing and oversight SPOKE BRANCHES District towns providing transactions and support 02 01 03 01 Distribution at Scale o 176 touchpoints across Tier II & III markets o Deep presence in rural & semi-urban India o Cluster-based branch expansion model 02 Focused Customer Segments o Small traders & shop owners o MSME & self-employed borrowers o Vehicle loan customers & transport operators o Largely informal / underbanked profiles 03 What Differentiates Our Offering o Fast approvals with low documentation o Cash-flow based, risk-aligned pricing o Digital-first journey with branch-level support Strong relationships with funding partners enabling cost-effective capital sourcing and financial flexibility 01 02 03 24

Unique Strengths 01 02 03 04 05 Branch-Led, Relationship - Driven Model Deep presence across Tier II & III markets with branch-embedded Relationship Managers driving sourcing, underwriting, and collections, resulting in superior customer connect and asset quality. Technology - Enabled, Low - TAT Operations End-to-end digital ecosystem including LOS/LMS, vehicle valuation tools, e-NACH, CRM, auto-dialler, and digital collections enabling faster turnaround times (24 - 48 hours for CV loans; 7 - 10 days for MSME). Conservative & Centralised Credit Framework Cash-flow based underwriting with collateral backing, conservative LTVs, and centralized credit appraisal ensuring consistency, strong governance, and low delinquencies. Strong Lender & Capital Franchise Zero repayment delays since inception, trusted relationships with 50+ lenders, and a strong capital base with ~28% of the portfolio funded through net worth and internal accruals. Proven Semi - Urban & Rural Franchise Diversified product suite across MSME, business, and vehicle loans serving underbanked borrowers, including ~25% women borrowers and 37% first-time borrowers. Differentiated Advantages (USP) 25

Technology, Credit & Collections

End-to-End Digital Platform Powering Scalable Lending API Integration LayerCloud Services Security Layer Web Layer Data / DMS & Presentation Layer Compliance & Regulatory Monitoring & Logging Accounting / LOS / LMS Data Backup Server/ 1 2 3 4 5 6 Lead Generation Tab/ Mobile based sourcing by FOS (Feet on Street) Real time fetching of bureau check & preparing CAM MNRL Check Customer Onboarding OKYC/EKYC. Pan / ITR Verification Legal Verification Banking Check Property Valuation Bureau Check Udyam Verification Credit Underwriting Personal discussion with customer CAM summary assessment Title / Ownership chain check of property EWS & AML Pre – Disbursal E-Nach E-Sign (Upcoming) Loan Disbursal Digital disbursal IMPS/RTGS/NEFT WhatsApp based welcome Kit delivery Digital / Physical document storage. External Agency for storing the original property documents. Loan servicing Customer App ; CRM Platform ; Call Center; WhatsApp ; Digital Collection ; Collection App-CLU ; Automatic Processes ; Payment Aggregators i.e. Paytm, Pay-u, Airtel Payment Bank. 27

Anchored in Local Presence Customer Acquisition Model Branch Led Sourcing Relationship Driven Origination Local Sourcing Advantage Semi - Urban Branch Model Loan origination is primarily driven through a wide branch network of 176 branches Branches act as local sourcing, credit assessment, and collection hubs Dense presence in core semi-urban markets Dedicated Relationship Managers (RMs) embedded at the branch level Single-point ownership: sourcing, assessment & engagement Higher repeat business and lower delinquency risk Deep understanding of local borrower profiles, cash flows, and collateral values Use of local intelligence and references for underwriting and collections Faster decisions and stronger asset quality Cluster-based expansion in underserved markets Lower operating costs and high customer stickiness Strong community connect limits competitive intensity 28

Conservative and Structured Credit Appraisal Framework 01 02 03 04 05 06 Product selection Experience of more than a decade in AFC market Conservative Documentation and Field Verification Neighbourhood and reference checks; Strict scrutiny of KYC, collateral and vehicle/property documents Credit Infrastructure Hub-based credit teams covering 2–3 branches each; 50+ dedicated credit professionals ensuring consistency Multi-Level Credit Assessment and Approval Dual assessment at branch and HO levels; Credit approvals by authorised committees Cash-Flow Based Underwriting Assessment of borrower earning capacity and repayment ability; Field investigation and CAM- based validation Technology-Assisted Underwriting and Valuation Integrated bureau, KYC and document verification systems; Independent external valuation for collateral 29

Structured MSME Credit Assessment and Approval Framework *Credit Committee: Managing Director, Risk Head , Credit Head , Business Head & Collection Head Loan Ticket Size Approval Decisions Structure up to ₹ 5,00,000 Credit Manager More than ₹ 5,00,000-up to ₹ 10,00,000 Area credit Manager More than ₹ 10,00,000-up to ₹ 15,00,000 Regional Credit Manager More than ₹ 15,00,000-up to ₹ 20,00,000 Zonal Credit Manager More than ₹ 20,00,000-up to ₹ 25,00,000 National Credit Manager More than ₹ 25,00,000 Credit Committee* Property & Collateral Verification • CM/BM visit to residence and business premises • Independent valuation, legal title check and CERSAI registration Business & Cash Flow Assessment • CM/BM assessment of business cash flows and margins • End-use verification and negative list screening Field & Reference Checks • Neighbourhood and reference verification • Bureau check, bank statement review and obligation assessment SOURCE OF EQUITY SECTOR Seasonality LTV* Business Margin CIBIL Score IRR* FOIR* 3rd Party check Other Loans Cash Generation by business 02 01 03 30

End-to-End Credit Appraisal Process for Vehicle Finance Lead Generated FOS evaluates suitability of lead as per the product policy of the company Geographic Screen Sector Screen Occupation Screen FOS visits customer & obtains : Application Form ; KYC ; Bank Statement FOS submit customer KYC at Branch Telephonic Review (TVR) from Head Office (HO) : Fixed Obligation ; Vehicle Details ; Prior Experience ; Income Level The Operations team evaluates the file and check the approval in the light of : Client's industry default levels ; Valuation under grid ; Vehicle is moving in the market Bureau Check Field Investigations Valuation Branch Manager / Credit Manager / Cluster Head / Area Sale Manager to visit the customer to assess the over all case. Credit Manager or Branch Manager recommends case to approving Authority Field Head OfficeBranch 31

Asset Quality Supported Branch-Led Collections Framework 01 02 03 04 Field-Intensive, Branch-Led Collections o High branch density in core markets o Frequent on-ground borrower engagement o Relationship-based recovery & early warning identification Early Delinquency Detection and Preventive Action o Branch-level monitoring of repayment behaviour o Regular field follow-ups and physical verification o Focus on prevention vs post-default recovery Conservative Credit and Underwriting Framework o Conservative underwriting o Collateral-backed lending o Local credit expertise Adequate and Prudent Provisioning o Provisions aligned with RBI ECL framework o Controlled Stage-3 exposure o Net NPAs remain low due to adequate buffers Provisioning Coverage Snapshot (FY26) PCR Stage 3: 49.43% PCR Stage 2: 2.16% PCR Stage 1: 0.39% 32

Customer & Product Profile

Core Customer Segments Target Profiles o 37.1% first-time borrowers, reflecting focus on under-served segments o Multi-channel sourcing through branches, direct sales associates, and Laxmi Mitra app Salaried Segment Self-employed Business Owners MSME Customers Vehicle Owners Salaried professionals in Tier II & Tier III cities, including government and private sector employees Stable monthly income profiles supporting small-ticket, secured / cash-flow backed loans Traders and service providers in Tier II & III cities Working capital and expansion loans Relationship-led, repeat borrowing profile Micro-enterprises and SHGs in semi-urban & rural areas Small-ticket, secured loans with flexible structures Strong alignment with financial inclusion Income-generating commercial assets CVs, tractors, 3-wheelers & 2- wheelers High visibility cash flows supporting credit quality 34

Diversified Lending Profile 35 Ticket Size: Above 25 Lakhs to ₹ 50 Lakhs Purpose: Business development, working capital, Business expansion Security: Commercial & Residential Property MSME Prime Ticket Size: up to ₹ 15 lakhs Purpose: Transportation & commercial use Security: Vehicle Commercial Vehicle Loan Ticket Size: up to ₹ 4 lakhs Purpose: Extended to three wheelers for transportation and commercial use Security: Vehicle Electric Vehicle Loan Ticket Size: up to ₹ 1.5 lakhs Purpose: Personal Use Security: Vehicle Two - Wheeler Ticket Size: up to ₹ 1 0 lakhs Purpose: Business Development, working capital, business expansion Unsecured Product Business Loan Ticket Size: up to ₹ 25 lakhs Purpose: Purchase property, House Construction/Renovation Security: Residential Property Construction & LAP Loan Ticket Size: ₹ 25 lakhs - ₹ 500 lakhs Purpose: On-lending to individual/Groups for MSME & Vehicle Loan Security: Loan Portfolio MSME Ticket Size: up to ₹ 25 lakhs Purpose: Working Capital Limit & Business expansion Security: Commercial/Residential property Wholesale Lending Ticket Size: up to ₹ 4 lakhs Purpose: Personal Use Unsecured Product Personal Loan 01 02 03 04 05 06 07 08 09

Vertical Wise AUM Split AUM (In Cr.) 534.74 720.55 980.33 1298.68 51.73 53.47 62.15 85.61 94.98 176.44 205.88 145.82 0.00 0.00 18.98 52.97 5.32 10.91 9.68 43.18 FY 23 FY 24 FY 25 FY 26 MSME Construction & LAP Vehicle Wholesale Personal Loan 36

Governance, Management & Capital Confidence

Promoter Profile and Leadership Overview Mr. Deepak Baid Managing Director “ “ 38

Promoter Profile and Leadership Overview Mrs. Prem Devi Baid Whole Time Director Mrs. Aneesha Baid Whole Time Director 39

Independent Directors Mr. Anil Patwardhan (Independent Director) Mr. Brij Mohan Sharma (Independent Director) Mr. Surendra Mehta (Independent Director) Mr. Kalyanaraman Chandra Choodan (Independent Director) 40

Experienced Senior Management Team (1/2) Mr. Gopal Krishan Sain Chief Financial Officer Experience : 12+ years Vintage in LIFC : 4+ years Qualification : CA, B.com Mr. Piyush Somani Chief Treasury Officer Experience : 15+ years Vintage in LIFC : 7+ years Qualification : FCA, B.com Mr. Kuldeep Singh Chief Business Officer Experience : 18+ years Vintage in LIFC : 6+ years Qualification : MBA & BE Mr. Sourabh Mishra Chief Compliance Officer & Company Secretary Experience : 7+ years Vintage in LIFC : 5+ years Qualification : CS, M.Com Sourabh Mishra & Associate Mr. Rohit Mathur National Credit Manager Experience : 12+ years Vintage in LIFC : 4+ years Qualification : CA Mr. Priya Kadyan Associate Vice President - Audit Experience : 14+ years Vintage in LIFC : 1+ years Qualification : CA Mr. Arun Sengar Operation Head Experience : 16+ years Vintage in LIFC : 2+ years Qualification : BSC 41

Experienced Senior Management Team (2/2) Mr. Sanjay Ojha National Collection Head Experience : 15+ years Vintage in LIFC : 1.5+ years Qualification : LLB Mr. Kshitij Agarwal AVP – Human Resources Experience : 17+ years Vintage in LIFC : 2+ years Qualification : MBA Mr. Vinod Maheshwari Chief Technology Officer Experience : 15+ years Vintage in LIFC : 6 months Qualification : MCA Mr. Shivam Bajaj Vice President – Risk Department Experience : 9+ years Vintage in LIFC : 1.5+ years Qualification : CA 42

Our Lenders (1/3) PSU (9) Private Banks (10) New Lender Onboarded During FY26 43

Our Lenders (2/3) New Lender Onboarded During FY26 Small Finance Banks (7) NBFC & Fl’s (22) 44

Our Lenders (3/3) New Lender Onboarded During FY26 NBFC & Fl’s (22) 45

Shareholding Pattern – Q4 FY26 Category As on March 31st, 2026 No. of Shareholder No of Shares Amount % • Promoter & Promoter Group 10 3,15,23,468 15,76,17,340 60.31% • Other Shareholders - Public 31,545 2,07,44,407 10,37,22,035 39.69% Alternative Investment Fund (AIF) 5 22,69,535 1,13,47,675 4.34% Foreign Portfolio Investors 9 8,25,154 41,25,770 1.58% Non-Resident Indians 218 2,28,203 11,41,015 0.44% Other Public 31,313 1,74,21,515 8,71,07,575 33.33% Total 5,22,67,875 26,13,39,375 100.00% Note :- * Cumulative holding of promoter and promoter group stood at 60.31% and remaining 39.69% held by other shareholder after the initial public offer. Promoter & Promoter Group, 60.31% Alternative Investment Fund, 4.34% Foreign Portfolio Investor, 1.58% Non- Resident Indians, 0.44% Other Public, 33.33% 46

Thank You Investor Relations Rajat Gupta rajat@goindiaadvisors.com +91 99718 9939

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