CREDENT

Concall Schedule Concall Date: November 12, 2026 Concall Time: 04:00 PM - 05:00 PM

- Credent Connect N Care Limited approved the grant of an inter-corporate loan amounting to ₹4.50 crores to Kartavya Healtheon Private Limited. - The loan is unsecured, carrying nil interest up to November 25, 2026, and 12% per annum compounded monthly thereafter. - The agreement includes an option for the lender to acquire up to 26% equity share capital in the borrower.

- Credent Connect N Care Limited has entered into a loan agreement to grant an inter-corporate loan of ₹4,50,00,000 to Kartavya Healtheon Private Limited. - Purpose: Borrower shall apply the loan towards repayment of its OCPS and other loans. - Interest: Nil up to 25 November 2026, and 12% per annum compounded monthly thereafter. - Target Shareholding: Lender may elect to acquire up to 26% equity share capital through primary/secondary on a fully diluted basis.

Current scenario - Credent Connect N Care Limited reported H1 FY27 revenue of ₹138 crores, up 53% YoY, with PAT of ₹14.65 crores (including a one-time tax credit of ₹1.78 crores). - The company's business model spans healthcare services, logistics, IT services, and corporate wellness, covering ~19,000 pin codes with over 2,200 phlebotomists. - Serves ~280 domestic customers including major diagnostic chains like Dr. Lal PathLabs, Metropolis, Apollo, and Thyrocare. Management Guidance & Outlook - Management projects a revenue CAGR of 45% through FY30, targeting over ₹1,000 crores in revenue by 2030. - EBITDA margins are expected to remain stable around 13% currently, with potential improvement to 15% to 16% over the next three years. - Operating cash flows are expected to turn positive by H2 of next year. - International expansion into the Middle East is planned for upcoming years. Growth Drivers - Increasing demand for organized diagnostic services, home-based testing, and preventive healthcare. - Expanding relationships with enterprise clients and onboarding new mid-size to large clients.

- Audio recording of the earnings call for the half year ended September 30, 2026 is made available. - The call was held on October 29, 2026 at 11:30 AM. - Web link and Recording ID (10047705) provided to access the audio.

Credent Connect N Care Limited released its Investor Presentation for H1FY27. - H1FY27 consolidated revenue grew 53% YoY to ₹1,381 Mn. - EBITDA stood at ₹182 Mn, up 53% YoY, with a margin of 13%. - PAT increased 95% YoY to ₹147 Mn, driven by business momentum and a one-time tax credit. - The company is targeting ~45% revenue CAGR through FY30.

H1 FY27 Consolidated Revenue ₹138.09Cr vs ₹90.03Cr (▲53.4% YoY) EBITDA ₹18.19Cr vs ₹11.86Cr (▲53.4% YoY) PAT ₹14.65Cr vs ₹7.53Cr (▲94.7% YoY) EBITDA Margin 13.17% vs 13.18% (▼1bps) Company guides for FY27 consolidated revenue of ₹320 Crore plus and PAT of ₹28 Crore.

H1 FY27 Consolidated Revenue ₹138.09Cr vs ₹90.03Cr (▲53% YoY) EBITDA ₹18.19Cr vs ₹11.86Cr (▲53% YoY) PAT ₹14.65Cr vs ₹7.53Cr (▲95% YoY) EBITDA Margin 13.17% vs 13.18% (▼1bps)