MANBA

- Manba Finance Limited's Board approved the allotment of 4,25,9,272 fully paid-up Equity Shares at ₹135 each, aggregating to ₹57,50,01,720, to 13 public category allottees. - The Board also approved the allotment of 24,07,223 fully convertible Warrants at ₹135 each, aggregating to ₹32,49,75,105, to 2 promoter group allottees with 25% payable upfront. - Total aggregate issue consideration is ₹89,99,76,825. - Paid-up equity share capital increased from ₹50,23,94,100 to ₹54,49,86,820 post equity shares allotment.

Manba Finance Limited announced the board's approval for the allotment of 42,59,272 Equity Shares to 13 public allottees and 2,407,223 fully convertible Warrants to 2 promoter group allottees on a preferential basis at ₹135 per security, aggregating to ₹89.99 crores.

Manba Finance Limited announced the outcome of its board meeting held on November 06, 2026. - Approved the preferential allotment of 42,59,272 Equity Shares at ₹135/- per share, aggregating to ₹57,50,01,720/- to 13 public category allottees. - Approved the preferential allotment of 24,07,223 fully convertible Warrants at ₹135/- per warrant, aggregating to ₹32,49,75,105/- to 2 promoter group allottees with 25% payable upfront. - Total issue consideration for equity shares and warrants stands at ₹89,99,76,825/-. - Paid-up equity share capital increased from ₹50,23,94,100/- to ₹54,49,86,820/- following the equity shares allotment.

Management Guidance & Outlook - Guided for 30% to 35% annual AUM and disbursement growth in FY27 and FY28, supported by strong festive demand in H2. - Expected fund infusion of ~₹100 Cr via preferential issue by November to support growth for the next 4 to 6 quarters. Cost of Borrowing & Margins - Credit rating upgraded by CARE to A- (Stable) from BBB+ (Positive), lowering incremental borrowing costs by 50 to 75 bps. - ₹600 Cr of high-cost legacy borrowings will be paid down by March 2027, reducing overall finance costs by ~25 bps in H2. Growth Drivers & Expansion - Rapid expansion in newer territories including Rajasthan, UP, MP, and Karnataka (100+ dealers onboarded in 60 days). - Scaling high-yield segments including used 2-wheelers (27-28% IRR), top-up loans (32% IRR), and MSME LAP/small business loans (27-28% IRR). - Activating 10 to 12 Business Correspondent (BC) partners to further scale disbursements. Asset Quality & Operations - Portfolio remains over 95% secured; GNPA and NNPA improved to 2.96% and 2.19% respectively, supported by ₹23 Cr ECL provisions vs ₹13 Cr requirement. - Annual tech investment of ~₹2 Cr has reduced loan disbursement turnaround time from 3.5-4 days to 1.5-2 days, targeting same-day disbursement by year-end.

- Audio recording of earnings conference call held on October 28, 2026, for Q2 FY2027 financial results has been made available. - Investors can access the recording at the company's website: www.manbafinance.com/financial-information/call-audio-recordings.

- H1 FY27 Total AUM increased 20.7% YoY to ₹18,108 Mn, with disbursements rising 23.7% to ₹4,928 Mn. - Net Interest Income grew 37.5% YoY to ₹938 Mn, and PAT expanded 27.7% YoY to ₹270 Mn. - Asset quality improved with GNPA at 2.96% (vs 3.52%) and NNPA at 2.19% (vs 2.68%).

Q2 FY27 Revenue ₹97.74 Cr vs ₹77.77 Cr (▲25.7% YoY) EBITDA ₹63.38 Cr vs ₹51.28 Cr (▲23.6% YoY) PAT ₹13.73 Cr vs ₹11.40 Cr (▲20.5% YoY) EBITDA Margin 64.8% vs 65.9% (▼109bps) - Declared Second Interim Dividend of ₹0.25 per equity share; Record date fixed as November 6, 2026. - Approved issuance of debt securities/NCDs up to ₹200 Cr on private placement basis. - Mrs. Neelam Tater appointed as Board Chairperson replacing Mr. Nallepilly Ramaswami Parameshwaran (who continues as Independent Director).

Q2 FY27 Standalone Revenue ₹97.74Cr vs ₹77.77Cr (▲26% YoY) EBITDA ₹63.38Cr vs ₹51.28Cr (▲24% YoY) PAT ₹13.73Cr vs ₹11.40Cr (▲20% YoY) EBITDA Margin 64.8% vs 65.9% (▼110bps) - Declared Second Interim Dividend of ₹0.25 per share with Record Date fixed as November 6, 2026. - Approved debt issuance up to ₹200 Cr on a private placement basis. - Appointed Mrs. Neelam Tater as Chairperson of the Board.

Q2 FY27 Revenue ₹97.74 Cr vs ₹77.77 Cr (▲25.7% YoY) EBITDA ₹63.38 Cr vs ₹51.28 Cr (▲23.6% YoY) PAT ₹13.73 Cr vs ₹11.40 Cr (▲20.5% YoY) EBITDA Margin 64.8% vs 65.9% (▼110bps) Declared second interim dividend of ₹0.25 per share (Record Date: Nov 6, 2026) Approved debt issuance up to ₹200 Cr on private placement basis

Q2 FY27 Revenue ₹97.74Cr vs ₹77.77Cr (▲26% YoY) EBITDA ₹63.38Cr vs ₹51.28Cr (▲24% YoY) PAT ₹13.73Cr vs ₹11.40Cr (▲20% YoY) EBITDA Margin 64.8% vs 65.9% (▼109bps) - Declared Second Interim Dividend of ₹0.25 per share for FY27 with Record Date of November 6, 2026. - Approved debt issuance up to ₹200 Crores via NCDs/bonds on private placement basis.

Q2 FY27 Standalone Revenue ₹97.74Cr vs ₹77.77Cr (▲26% YoY) EBITDA ₹63.38Cr vs ₹51.28Cr (▲24% YoY) PAT ₹13.73Cr vs ₹11.40Cr (▲21% YoY) EBITDA Margin 65% vs 66% (▼110bps) Declared second interim dividend of ₹0.25 per share (Record date: November 6, 2026)

- Manba Finance Limited has appointed CARE Ratings Limited as the monitoring agency for the preferential issue. - The monitoring agency will oversee the utilization of proceeds from 50,00,013 equity shares and 24,07,223 warrants at ₹135 per security, totaling ₹99,99,76,860. - The appointment was made pursuant to stock exchange requirements during the in-principle approval process.

- Manba Finance Limited held its Extraordinary General Meeting (EGM) on October 19, 2026. - All 7 resolutions, including an increase in authorized share capital, preferential issue of fully convertible warrants and equity shares, and re-appointments/remuneration revisions of key managerial personnel, were passed with the requisite majority. - Voting results and the scrutinizer's report have been successfully submitted to the exchanges.

- Manba Finance Limited has allotted 60,000 Non-Convertible Debentures (NCDs) aggregating to ₹60 Crores on a private placement basis. - The NCDs carry a coupon rate of 10.50% p.a. with a tenure of 27 months, maturing on January 12, 2029. - The instrument features monthly payment of principal and interest and is secured by an exclusive charge on specific receivables with a 1.10x security cover.

Manba Finance Limited issued a corrigendum to the notice of the Extraordinary General Meeting (EGM) scheduled for October 19, 2026. - The corrigendum incorporates clarifications regarding the proposed preferential issue as advised by the National Stock Exchange of India Limited (NSE). - Updates include revised details on ultimate beneficial owners, promoter/KMP intentions to subscribe, and the certificate from the practicing company secretary.

Concall Schedule Concall Date: 28th October, 2026 Concall Time: 04:00 P.M. (IST)

- Manba Finance Limited has received a credit rating upgrade from CARE Ratings Limited to 'CARE A-; Stable' from 'CARE BBB+; Positive' for its long-term bank facilities and various non-convertible debentures (NCDs). - The upgrade reflects sustained scale-up in operations, with AUM reaching ₹1,730.78 crore as of June 30, 2026, improved access to incremental funding at lower costs, and expected capital infusion of ₹99.99 crore. - The rating is supported by experienced management, adequate capitalisation, and stable profitability, while being constrained by moderate asset quality metrics and geographical/product concentration.

- Manba Finance Limited submitted details of its Company Secretary and Compliance Officer (Ms. Bhavisha Jain) and Registrar & Transfer Agent (MUFG Intime India Private Limited) for the quarter ended September 30, 2026. - Filing submitted in compliance with SEBI Regulations and circulars.