ARMANFIN

- Audio recording of the Analyst/Investor Conference Call held on November 06, 2026, for Q2 & H1 FY27 financial results has been uploaded to the company's website. - Recording access link: https://armanindia.com/video.aspx

- H1 FY27 Total Income grew 40.7% YoY to ₹436 Cr; Net Profit stood at ₹97 Cr. - Consolidated AUM surged 50.6% YoY to ₹3,209 Cr, with disbursements rising 74.1% YoY to ₹1,505 Cr. - Asset quality remained stable with GNPA at 2.73% and NNPA at 0.92%. - Branch network expanded to 605 across 11 states.

- Arman Financial Services Limited approved the grant of 4,500 Stock Options to an eligible employee of its subsidiary, Namra Finance Limited. - Options granted under the 'Arman-Employee Stock Option Plan 2023' at an exercise price of ₹500 per share. - Vesting schedule ranges from 10% at the end of the 1st year to 40% at the end of the 4th year.

- Arman Financial Services Limited has allotted 1,260 equity shares of face value ₹10 each under the Employee Stock Option Plan (ESOP-2023). - No equity shares were allotted to the Directors of the company in this round. - Consequent to the allotment, the total equity share capital increased to 1,05,47,592 equity shares aggregating to ₹10,54,75,920.

- Consolidated AUM grew 51% YoY to ₹3,209 Cr in Q2 FY27. - PAT surged 544% YoY to ₹51 Cr, while Gross Total Income rose 48% YoY to ₹235 Cr. - GNPA stood at 2.73% and NNPA at 0.92%. - Acuité revised company credit rating outlook from Stable to Positive.

Q2 FY27 Consolidated Revenue ₹235Cr vs ₹159Cr (▲47% YoY) EBITDA ₹143Cr vs ₹68Cr (▲110% YoY) PAT ₹51Cr vs ₹8Cr (▲544% YoY) EBITDA Margin 61% vs 43% (▲1823bps)