541336

- IndoStar Capital Finance Limited published newspaper advertisements regarding the transfer of eligible equity shares for FY 2019-20 to the IEPF Suspense Account, as per SEBI regulations and IEPF Rules, 2016. - Separate communication has already been sent to affected individual shareholders.

- The Company allotted 63,045 equity shares (face value ₹10 each) following the exercise of stock options under IndoStar ESOP Plans 2018, 2016, and 2012. The allotment was approved by Mr. Randhir Singh, MD & Executive Vice Chairman, as per board authority. - Consequent to this allotment, the paid-up equity share capital increased from 16,15,92,359 equity shares to 16,16,55,404 equity shares.

- Q1 FY27 disbursements grew 44% year-on-year, reaching INR1,235 crores. - Micro LAP disbursements surged 85% year-on-year to INR50 crores, with AUM nearly tripling year-on-year to INR217 crores. - Net Profit After Tax (PAT) was INR11 crores in Q1 FY27, a significant improvement from a loss of INR424 crores in Q4 FY26 (affected by one-time provisioning). - Net Interest Income (NII) increased 39% year-on-year to INR219 crores, driven by NIM expansion to 8.8% from 6.2% a year ago. - Asset quality showed strong improvement, with early delinquency ratio reducing from 5.55% in Q1 FY26 to 2.29% in Q1 FY27. - Management expects significant improvement in headline GNPA, NPA, and credit cost over the next 2-3 quarters as the old book runs off. - The company is on track to double Micro LAP AUM in FY27 and anticipates 35%+ year-on-year disbursement growth in Q2 FY27. - Reiterated FY29 guidance of 35% CAGR disbursement growth and PAT of INR450-500 crores. - Cost of borrowing is expected to decline, aiming to converge around 9% by March as higher-cost debt is repaid. - Strategic focus includes strengthening underwriting, expanding branch network to cross 500 this year, increasing sales headcount by 50% by March '27, and diversifying the product portfolio.

- Audio recording of the Conference Call held on July 30, 2026, for the unaudited Financial Results (Q1 FY27) is available on the company's website.

- Consolidated Net Interest Income ₹219Cr vs ₹157.55Cr (▲39% YoY) - Consolidated Pre-provision operating profit (PPOP) ₹93Cr - Consolidated Profit after Tax (PAT) ₹11Cr - Disbursements ₹1,235Cr (▲44% YoY) - Asset under Management (AUM) ₹8,244Cr (▲6% YoY) - Weighted average cost of funds declined to 9.9% in Q1 FY27 from 10.7% in Q1 FY26 (▲80bps)

- Consolidated Revenue ₹363.87 Cr vs ₹343.51 Cr (▲5.9% YoY) - EBITDA ₹159.45 Cr vs ₹-278.81 Cr (Turned positive from loss YoY) - PAT ₹11.47 Cr vs ₹535.49 Cr (▼97.9% YoY) - EBITDA Margin 43.8% vs -81.2% (Significant expansion YoY)

- Consolidated Operating Revenue ₹363.87 Cr vs ₹343.51 Cr (▲5.93% YoY) - EBITDA ₹159.45 Cr vs ₹(278.81) Cr (Turnaround from significant loss to profit YoY) - PAT ₹11.47 Cr vs ₹(640.46) Cr (Turnaround from significant loss to profit YoY, adjusted for exceptional items) - EBITDA Margin 43.82% vs (81.16)% (Significant margin expansion YoY)

- Consolidated Revenue ₹363.87 Cr vs ₹343.51 Cr (▲5.93% YoY) - EBITDA ₹159.45 Cr vs ₹897.14 Cr (▼82.23% YoY) - PAT ₹11.47 Cr vs ₹535.49 Cr (▼97.85% YoY) - EBITDA Margin 43.82% vs 261.16% (▼21734 bps)

- Allotment of 40,000 Senior, Secured, Redeemable, Rated, Listed, Taxable, Non-Convertible Debentures (NCDs) worth INR 400 crore via private placement. - The NCDs carry a 9.15% coupon/interest rate. - Tenors are 25 months (Series XXXIV) and 28 months (Series XXXV), maturing in August 2028 and November 2028, respectively.

- Concall Schedule - Concall Date: Thursday, July 30, 2026 - Concall Time: 12:00 PM IST

- Board meeting on July 29, 2026, to approve Q1 FY27 financial results. - To consider issuing Non-Convertible Debentures up to ₹6,000 crore via private placement. - Will also fix the date for the 17th Annual General Meeting (AGM).

- Allotment of 7,352 equity shares of INR 10/- each to Mr. Randhir Singh (MD & Executive Vice Chairman). - Shares allotted under IndoStar ESOP Plan 2018. - Paid-up equity share capital increased from 16,15,85,007 to 16,15,92,359 equity shares.

- Trading window for IndoStar Capital Finance Limited to close from July 1, 2026. - Closure is until 48 hours after Q1 FY27 (quarter ended June 30, 2026) results declaration, as per SEBI Insider Trading Regulations.

- Filed newspaper advertisements regarding notice to shareholders for the transfer of equity shares to the Investors Education & Protection Fund (IEPF) Suspense Account for FY 2018-19. - This is in compliance with Regulation 30 of SEBI (LODR) Regulations, 2015.

- Allotment of 2,900 equity shares (face value ₹10 each) to Mr. Randhir Singh (MD & Executive Vice Chairman) upon exercise of stock options under IndoStar ESOP Plan 2018. - This increases the paid-up equity share capital from 16,15,82,107 shares to 16,15,85,007 shares.

- Allotment of 1,091 equity shares of face value INR 10/- to Mr. Randhir Singh (MD & Executive Vice Chairman) following the exercise of stock options under the IndoStar ESOP Plan 2018. - The company's paid-up equity share capital has increased from INR 1,61,58,10,160 to INR 1,61,58,21,070.

- The company has set a 3-year strategic framework through FY '29 targeting a 35% CAGR growth in disbursements, aiming for a Profit After Tax (PAT) of INR450-500 crores. - Loan book size is expected to reach INR16,000-17,000 crores by FY '29. - Normalized credit cost is targeted to stabilize around 2%-2.5%, with vehicle finance specifically at 2%-2.25%. - The company undertook significant structural transformation in FY '26, including strengthening credit underwriting, portfolio diversification, and digitization efforts. - Q4 FY '26 saw proactive additional provisioning of INR326 crores against Security Receipts and a management overlay of INR49 crores for West Asia crisis, leading to a net loss of INR424 crores for the quarter, aimed at de-risking the balance sheet. - New underwriting has shown significant improvement, with non-starter percentage down by 68% to 1.05% as of March '26. - Disbursement growth for April '26 and expected May '26 is tracking over 40% year-on-year. - Net Interest Margin (NIM) improved from 5.9% in Q4 FY '25 to 8.7% in Q4 FY '26; cost efficiencies led to INR27 crores realized in FY '26. - Operating expenses are expected to grow at a much lower clip than revenue and AUM going forward.

IndoStar Capital Finance Limited announced that the audio recording of the conference call held on May 28, 2026, concerning the audited financial results (standalone and consolidated) for the quarter and financial year ended March 31, 2026, is now available on the company's website.

Standalone Net Interest Income ₹214.7Cr vs ₹179.2Cr (▲20% YoY), Pre-provision Operating Profit ₹93.3Cr vs ₹61.8Cr (▲51% YoY), PAT (₹424.0Cr) vs ₹12.4Cr (▼3519% YoY). PPOP Margin 43.4% vs 34.5% (▲890bps).

IndoStar Capital Finance Limited's Board of Directors, at its meeting on May 27, 2026, approved amendments to the Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information (UPSI). These amendments are made pursuant to Regulations 8(1) and 8(2) of the SEBI (Prohibition of Insider Trading) Regulations, 2015. The updated code aims to ensure compliance with regulatory requirements for the fair and transparent disclosure of UPSI.

Consolidated Revenue ₹346.78 Cr vs ₹375.01 Cr (▼7.53% YoY), EBITDA -₹285.75 Cr vs ₹213.57 Cr (▼234.7% YoY), PAT -₹423.93 Cr vs ₹12.50 Cr (▼3491.44% YoY). EBITDA Margin -82.4% vs 56.95% (▼13935 bps). The significant decline in profitability for the quarter is primarily due to a substantial increase in impairment on financial instruments (₹517.27 Cr vs ₹49.39 Cr YoY).

Standalone Operating Revenue was ₹1,39,290 Lakhs vs ₹1,40,392 Lakhs (▼0.78% YoY), EBITDA stood at ₹94,854 Lakhs vs ₹81,556 Lakhs (▲16.30% YoY), and PAT was ₹13,020 Lakhs vs ₹5,259 Lakhs (▲147.6% YoY) for the year ended March 31, 2026. EBITDA Margin expanded to 68.10% vs 58.09% (▲1001 bps). PAT was significantly boosted by an exceptional gain of ₹1,17,595 Lakhs from the sale of Niwas Housing Finance Limited. The auditors have issued an unmodified opinion.