Slide 1: Exchange filing cover letter
Vakrangee Limited “Vakrangee Corporate House”, Plot No.93, Road No.16, M.I.D.C. Marol, Andheri (East), Mumbai - 400093. Maharashtra, W: www.vakrangee.in | L:+91 22 2850 3412/+91 22 6776 5100 F: +91 22 28502017 | CIN: L65990MH1990PLC056669`` VKL/C&L/2026/24 April 29, 2026 To, Department of Corporate
Slide 2: Q4 & Full Year FY2025-26 Results Update
SAB KAAM EK DUKAAN ASSISTED TOTAL HEALTHCARE “GO TO MARKET PLATFORM” : BUILDING INDIA’S LARGEST LAST MILE DISTRIBUTION PLATFORM VAKRANGEE LIMITED Q4 & FULL YEAR FY2025-26 RESULTS UPDATE April 29, 2026
Slide 3: Disclaimer
DISCLAIMER This presentation has been prepared by Vakrangee Limited (“Vakrangee” or “VL” or the “Company”) solely for your information and for your use and may not be taken away, reproduced, redistributed or passed on, directly or indirectly, to any other person (whether within or outside your organ
Slide 4: Table of Contents
TABLE OF CONTENTS Results Performance Update 04 Growth Strategy Initiatives 11 Company Overview 23 Update on Sustainability ESG Initiatives 32 3
Slide 5: Results Performance Update
RESULTS PERFORMANCE UPDATE 4
Slide 6: Results Performance Update for Q4 & FY2026
RESULTS PERFORMANCE UPDATE FOR Q4 & FY2026 Q4 FY2025-26 (Y-O-Y Basis) Q4 FY26 consolidated revenue impacted TOTAL INCOME PROFIT AFTER TAX by inter-company sales elimination & In Rs Lakhs In Rs Lakhs and a strategic reduction in low-margin business 6,473.1 251.8 5,886.0 162.0 PAT increased 79.3% YoY,
Slide 7: Revenue & Gross Transaction Value Contribution Break-up
RESULTS PERFORMANCE UPDATE BUSINESS : Q4 FY2025-26 REVENUE & GROSS TRANSACTION VALUE CONTRIBUTION BREAK-UP Revenue from Operations Break-up Gross Transaction Value (GTV) 14.2% 0.1% 6.9% 16.3% 55.8% 23.1% 83.6% BFSI ATM E-Commerce & Other Services Sale of ATM Product / Service BFSI ATM E-Commerce & O
Slide 8: Q4 & FY26 Performance Update
Q4 & FY26 PERFORMANCE UPDATE • FY2025-26 Results: Vakrangee achieved a significant 79.3% YoY surge in annual Profit After Tax to ₹11.1 crore. • A 249-basis point expansion in annual EBITDA margins, with Cash flow from Operations (pre-tax) turned positive at ₹63.7 crore, versus a deficit of ₹(25.1) c
Slide 9: Vakrangee Kendra - Performance Update
VAKRANGEE KENDRA - PERFORMANCE UPDATE PERFORMANCE UPDATE FOR FULL YEAR FY2025-26 Our Presence Total No. of Outlets Presence in States/UTs Presence in districts Presence in Tier IV, V & VI 23,087 32 609 ~84% Our Platform – Key KPIs Total Transactions Total GTV No. of Master Franchisee (Districts Cove
Slide 10: Vortex Engineering - Performance Update
VORTEX ENGINEERING - PERFORMANCE UPDATE FY2025-26 (Y-O-Y Basis) ATM MACHINE SHIPPED TOTAL INCOME EBITDA In Numbers In Rs Lakhs In Rs Lakhs 6,688.2 6,728.8 127.1 1,651 1,679 0.6% 10.9 1.70% 1061.4% FY2024-25 FY2025-26 FY2024-25 FY2025-26 FY2024-25 FY2025-26 AMC business High-margin IP EBITDA up showi
Slide 11: Consolidated Financial Statements
CONSOLIDATED FINANCIAL STATEMENTS Key Profit & Loss Statement Items Particulars (Rs. in Lakhs.) Q4 FY2025-26 Q4 FY2024-25 YoY% FY 2025-26 FY 2024-25 YoY% Total Income 5,886.0 6,473.1 (9.1) 26,136.2 25,935.1 0.8 Total Expenses 5,657.3 6,103.7 (7.3) 24,622.1 24,994.2 (1.5) EBIDTA 690.0 838.6 (17.7) 3,
Slide 12: Growth Strategy Initiatives
GROWTH STRATEGY INITIATIVES 11
Slide 13: Growth Strategy Initiatives
GROWTH STRATEGY INITIATIVES FASTER EXPANSION OF THE KENDRA NETWORK LEVERAGING MASTER FRANCHISEES • Master Franchisees appointed in 535 Districts across 31 States/UTs across the Country with ongoing momentum in expansion of network pan-India. • MFs provide on-ground operational support to existing ou
Slide 14: Strategic Alliances Strengthening Our Platform
GROWTH STRATEGY: STRATGIC ALLIANCES Strategic Alliances Strengthening Our Platform 12 strategic alliances and ATM shipment mandates secured during Apr’25–Apr’26 │ 7 Insurance | 5 Lending | WLA license renewal │ 2 Major ATM Shipment mandates for Vortex │ INSURANCE LENDING ATM/ACCESS Broadening protec
Slide 15: Growth Strategy: Update on Banking Services
GROWTH STRATEGY: UPDATE ON BANKING SERVICES NEW BANKING PARTNERSHIP ADDED DURING THE QUARTER EXPANDING ACCESS, EMPOWERING EVERY CORNER • Expanded Banking Network: Added new partner banks to deepen rural reach. • Extensive BC Network: More than 15,000 Banking BC points enabling AePS-based biometric s
Slide 16: Growth Strategy: Update on Insurance Services
GROWTH STRATEGY: UPDATE ON INSURANCE SERVICES INSURANCE PARTNERSHIP ADDED DURING THE QUARTER EMPOWERING BHARAT: EXPANDING INSURANCE REACH THROUGH STRATEGIC PARTNERSHIPS & TAILORED OFFERINGS • Insurance penetration in India stands at ~3.7% of GDP, with a significant portion of the rural population re
Slide 17: Growth Strategy: Update on Financial Services
GROWTH STRATEGY: UPDATE ON FINANCIAL SERVICES NEW LOAN PRODUCT KEY PARTNERSHIP ADDED DURING THE QUARTER BRIDGING THE CREDIT GAP: MAKING CREDIT ACCESSIBLE TO EVERY CORNER OF BHARAT • Loan Growth: India’s total loan volume surged 78% (Mar 2020–Mar 2025), reflecting strong credit expansion. • Personal
Slide 18: Growth Strategy: Strong Focus Areas
GROWTH STRATEGY: STRONG FOCUS AREAS Key Growth Drivers Accelerating Vakrangee’s Next Phase of Expansion Insurance Loans Equity Mutual Funds Empowering Bharat with Wider Access & Stronger Margins • Stronger partnerships: Added multiple partners to expand reach & enhance service delivery. • Affordable
Slide 19: At an Inflection Point, Poised for Strong Growth
GROWTH STRATEGY INITIATIVES : VORTEX ENGINEERING AT AN INFLECTION POINT, POISED FOR STRONG GROWTH Large growing domestic & Global Market Strong Growth replacement market Opportunity Visibility ▪ India’s installed ATM ▪ Global ATM market size ▪ Till now, more than 15,435 capacity: ~250k+ machines. re
Slide 20: Strengthening Vortex Engineering's Growth Platform
GROWTH STRATEGY INITIATIVES : VORTEX ENGINEERING Strengthening Vortex Engineering’s Growth Platform Through Seasoned Industry Leadership Key Strategic Advisor : Mr. Manjunath Rao joins Vortex Engineering team during FY2026 Mr. Manjunath Rao joined Vortex Engineering in FY2026, bringing 34+ years of
Slide 21: Business Strategy Update: Vortex Engineering
BUSINESS STRATEGY UPDATE: VORTEX ENGINEERING UNIQUE OFFERINGS SUITED TO EMERGING COMPANY OVERVIEW MARKET • Incorporated in 2001, Vortex is Pioneer in low-power ATMs • 9 patents in the field of ATM & Cash Dispensers (Make in (Swadeshi ATM) and is an India-based technology company India – Atmanirbhar
Slide 22: Customer Profile and Key ATM Offerings
BUSINESS SRATEGY UPDATE: VORTEX ENGINEERING CUSTOMER PROFILE AND KEY ATM OFFERINGS Key ATM Offerings Ecoteller – Front Load ATM Desktop ATM – Ecoteller Mini Key Customers ➢ Very low operating ➢ Wall mountable or Indian Public and Private Sector Banks expenses Tabletop model ➢ Can operate under power
Slide 23: Focus on Innovation with Make in India
FOCUS ON INNOVATION WITH “MAKE IN INDIA” Banking Automation Front Load / Lobby Mini / Desktop / Through-the-Wall Products : Digital ATM Machine Mobile ATM (TTW) ATM Banking Unit (DBU) • Recently launched 2 new products i.e. Android ATM and MINI ATM • Banking Automation Products: Plan to launch Digit
Slide 24: Company Overview
Vakrangee COMPANY OVERVIEW
Slide 25: Vakrangee Journey So Far
VAKRANGEE JOURNEY SO FAR • Asset-light, retail-focused franchise model PHASE • District-level MF rollout for full coverage 2023 ONWARDS 4 • Focus on scaling last-mile rural distribution (POST DEMERGER) • Acquisition of Vortex Engineering (Subsidiary of Vakrangee) NEXTGEN VAKRANGEE KENDRA & DIGITAL A
Slide 26: Vakrangee Kendra - Scope of Services
VAKRANGEE KENDRA – SCOPE OF SERVICES BFSI & ATM SERVICES FINANCIAL INSURANCE BANKING ATM SERVICES White Label ATM Operator • Opening of Online Demat & • Life Insurance • ATM Cash Withdrawal • Account Opening Trading Account • General Insurance • Non-Financial • Cash Withdrawal/ Deposit • Money Trans
Slide 27: Vakrangee Kendra - Scope of Services
VAKRANGEE KENDRA – SCOPE OF SERVICES ASSISTED E-COMMERCE SERVICES ONLINE AGRICULTURE ONLINE ASSISTED TOTAL RECHARGE & ASSISTED ONINE PRODUCTS & SHOPPING HEALTHCARE BILL PAYMENTS TRAVEL SERVICES SERVICES (Available only on BharatEasy Mobile Super App) (Only for Rajasthan) • Online Shopping • Telemedi
Slide 28: Vakrangee Kendra Model: Look & Feel
VAKRANGEE KENDRA (VK) MODEL : LOOK & FEEL MODEL 1 : VK WITH ATM WITH MODEL 2 : VK WITHOUT ATM MODEL 3 : VK WITHOUT ATM PRIVATE BANK BC POINT WITH PSU BANK BC POINT WITH PRIVATE BANK BC POINT Min Area required 65-80 sq. ft. Min Area required 25-30 sq. ft. Key Features : Key Features : • ATM at outlet
Slide 29: Long Term Sustainable & Profitable Business Model
VAKRANGEE KENDRA : LONG TERM SUSTAINABLE & PROFITABLE BUSINESS MODEL • With the development of the Digital Economy, India is fastly moving towards Digital Payment Mechanisms and Emerging as a Cashless Society • With the fast pace of digital payment penetration, Cash transactions such as ATM & Bankin
Slide 30: Update on Master Franchisee Initiatives
UPDATE ON MASTER FRANCHISEE INITIATIVES A UNIQUE LIFETIME EARNING OPPORTUNITY • Master Franchisees (MF) are eligible to earn a % of active franchisee’s earnings on an on-going perpetual basis. Plan to achieve • Responsible for end-to-end monitoring and ensuring operational compliance for there respe
Slide 31: Update on BharatEasy Mobile Super App
UPDATE ON BHARATEASY MOBILE SUPER APP • Vakrangee is launching an online digital platform to enable seamless services for the consumer at the comfort of their homes. Through this, company has evolved into the unique O2O (Online to Offline) platform, whereby there is Assistance available through the
Slide 32: Business Model: Our Unique Offering
BUSINESS MODEL : OUR UNIQUE OFFERING Customer Strong Value Proposition • All in One Super App Platform • Access to Physical Store network - Trust & Comfort for Customers especially in Rural India Unique Convenience Features : Leveraging the Vakrangee Eco-System • Store Pick Up Facility • Pay at Stor
Slide 33: Update on Sustainability ESG Initiatives
UPDATE ON SUSTAINABILITY ESG INITIATIVES 32
Slide 34: Key Initiatives: Sustainability Impact & ESG
KEY INITIATIVES : SUSTAINABILITY IMPACT & ESG VAKRANGEE ESG PERFORMANCE UPDATE S&P Global ESG Score Sustainalytics ESG Score Vakrangee has earned a “S&P Global Bronze Class” spot in the Source Link : https://www.sustainalytics.com/esg- yearbook and has score 60 ESG Score (S&P Global Scores) in the r
Slide 35: Thank You
Vakrangee Thank You