FIVESTAR

Current scenario: - AUM reached ₹14,640 crores, growing 14% YoY and 6.7% sequentially, driven by record disbursements of ₹2,078 crores (up 74% YoY). - Asset quality parameters stabilized with Gross Stage-3 at 3.48% and 30+ DPD improving to 11.5% from 12.38%. - Quarterly PAT stood at ₹299 crores, up 5% YoY and 10% sequentially, aided by a one-time tax benefit of ₹19 crores. Changes in trends: - Collection efficiency improved to 98.2% and X-bucket collections rose to 99.4%. - Repayment rates increased due to internal adjustments for top-up loans under strict filters. - Incremental borrowing cost remained competitive at 8.43%. Management Guidance & Outlook: - Management expects to comfortably surpass the initial growth guidance for the year. - Credit slippages and credit costs are expected to remain flattish for the rest of the year despite industry headwinds. - A 1% yield increase on incremental disbursements has been implemented from October 2026 to cushion expected spread compression.

- Five-Star Business Finance Limited informed the exchange regarding the audio recording link of the earnings conference call for the quarter and half year ended September 30, 2026. - The call was held on October 26, 2026. - The recording is made available on the company website.

- Five-Star Business Finance Limited has made available the audio recording of the earnings conference call for the quarter and half year ended September 30, 2026. - The call was held on October 26, 2026. - The recording can be accessed on the company's website under investor relations.

- Mr. Shankar Subramanian has been appointed as the Chief Risk Officer and Senior Management Personnel effective October 26, 2026, for a term of 3 years. - Mr. Jayaraman S has ceased to be the Chief Risk Officer due to internal movement within the company, effective October 26, 2026.

- Appointment of Mr. Shankar Subramanian as Chief Risk Officer (Senior Management Personnel) effective October 26, 2026, for a term of 3 years. - Mr. Jayaraman S stepped down as Chief Risk Officer due to internal movement within the company effective October 26, 2026.

Q2 FY27 Standalone Revenue ₹858.5Cr vs ₹799.4Cr (▲7.4% YoY) EBITDA ₹535.7Cr vs ₹563.9Cr (▼5.0% YoY) PAT ₹299.3Cr vs ₹286.1Cr (▲4.6% YoY) EBITDA Margin 62.4% vs 70.5% (▼814bps)

- Q2FY27 disbursements reached ₹2,078 Cr, up 74% YoY and 39% QoQ. - AUM grew 14% YoY to ₹14,640 Cr across 875 branches. - Q2FY27 PAT stood at ₹299.3 Cr (+5% YoY) with NIM at 19.87%. - Gross NPA stood at 3.48%, while 30+ DPD improved to 11.50%.

Five-Star Business Finance reported strong Q2 FY27 performance with AUM growing 14% YoY to ₹14,640 Cr. Disbursals reached a historic high of ₹2,078 Cr, up 74% YoY. PAT stood at ₹299 Cr, registering a 5% YoY and 10% QoQ growth, which includes a one-time tax benefit of ₹19 Cr. Asset quality remained stable with Gross Stage 3 at 3.48% and collection efficiency improving to 98.2%. Branch count expanded to 875 across 11 states/UTs.

Concall Schedule Concall Date: October 26, 2026 Concall Time: 05:30 P.M. (IST)

- Five-Star Business Finance Limited has allotted 2,920 equity shares of face value ₹1.00 each pursuant to the exercise of employee stock options under the Five-Star Associate Stock Option Scheme, 2018. - The paid-up share capital of the company increased from ₹29,51,95,658 to ₹29,51,98,578. - Total money realized through the exercise of these options is ₹69,360/-.

Concall Schedule Concall Date: September 29, 2026 Concall Time: Virtual (1*1)

- Trading window for dealing in securities of the company will remain closed from October 01, 2026. - Closure remains in effect until 48 hours after the declaration of un-audited financial results for Q2/H1 ended September 30, 2026. - Applicable to designated persons and their immediate relatives.

- Investor/Analyst Meeting Schedule - Meeting Date: September 23, 2026 - Meeting Mode: Virtual (1*1) with MS Capital

- Investor/Analyst Meeting Schedule - Meeting Date: September 25, 2026 - Meeting Type: Virtual (1*1) with InCred AMC