Pb Fintech Limited · NSE:POLICYBZR
Pb Fintech — Q1 FY2027 Earnings Presentation
109 slides from Pb Fintech's earnings presentation, Aug 5, 2026
Slide 1: PB Fintech Limited Earnings Presentation Q1FY27
PB Fintech Limited Results India’s Largest Online Insurance & Credit Marketplace Earnings Presentation – Q1FY27 5th Aug 2026
Slide 2: PB Fintech – Snapshot: June'26
PB Fintech – Snapshot: June’26 Umbrella entity comprising of India’s leading marketplaces that offer end-to-end insurance & credit solutions to consumers with an aim to help the Indian middle class secure social security Q1FY27 Total Insurance Premium: ₹8,3721 Cr Q1FY27 Total Loan Disbursal: ₹4,366
Slide 3: Key Highlights: Q1 FY27
Key Highlights: Q1 FY27 Total – PB Fintech Core Online TOTAL REVENUE TOTAL INSURANCE PREMIUM PROTECTION PREMIUM ₹1,888 Cr +40% YoY +41% YoY +53% YoY Strong top-line growth Robust Premium Growth New Premium (Health + Term) Core Online Core Online PROFIT AFTER TAX (PAT) INSURANCE PREMIUM LENDING DISBU
Slide 4: Overall Business: Q1 FY27 YoY
Overall Business: Q1 FY27 YoY Revenue grew at 40% YoY; Adj. EBITDA improved by 109% Q1 FY27 Q1 FY26 YoY ₹ Crores Core Core Core New New New Total Online Total Online Total Online Initiatives Initiatives Initiatives Business Business Business Premium 8,372 5,755 2,617 5,928 4,087 1,841 41% 41% 42% Re
Slide 5: Overall Business: Q1 FY27 P&L
Overall Business: Q1 FY27 P&L Q1 PAT grew 92% YoY Q1 Adjusted EBITDA Q1 Q1 ₹ Crores YoY FY27 FY26 Adjusted EBITDA (non-GAAP) 186 89 109% + 109% YoY ESOP Charges 47 55 -15% Q1 EBITDA EBITDA 139 34 305% Depreciation 40 33 20% + 305% YoY Finance Cost 11 9 27% Other Income 93 99 -6% Q1 PAT Tax 16 8 104%
Slide 6: Overall Revenue & PAT: Q1 FY27
Overall Revenue & PAT : Q1 FY27 51% Revenue CAGR; Consistent PAT growth since listing Revenue, PAT and PAT Margin Quarterly Revenue Revenue 1,888 PAT 8x PAT In last 5 years Margin 1,348 Quarterly PAT 1,010 + ₹274 Cr 666 505 9% In last 5 years 238 6% 6% 163 60 85 Quarterly PAT Margin improved from -1
Slide 7: Overall Business: Rolling months
Overall Business : Rolling 12 months Revenue grew 4.3x in 4 years; PAT 2.3% of the total premium 12 months Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 ending (₹ Cr) Premium 6,880 7,901 9,034 10,341 10,870 11,715 12,837 14,231
Slide 8: Overall Insurance Premium & Disbursal – Q1 FY27
Overall Insurance Premium & Disbursal – Q1 FY27 Q1 Insurance Premium grew 5.8x and Disbursal grew 4.4x Insurance Premium (₹ Cr) Disbursals (₹ Cr) 5.8x Core Online Business Core Online Business 8,372 7,003 New Initiatives New Initiatives 5,928 4,366 4,380 3,542 3,140 2,689 2,320 2,160 1,432 984 Q1 FY
Slide 9: Core Online Business: Rolling months
Core Online Business: Rolling 12 months Revenue grew 3.3x in 4 years; margin improved from -6% to 21% 12 months Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 ending (₹ Cr) Revenue 1,337 1,484 1,591 1,710 1,855 2,043 2,211 2,375
Slide 10: New Initiatives: Q1 FY27
New Initiatives : Q1 FY27 Continued leadership; growth with improving efficiency New Initiatives (₹ Cr) Margin % Revenue EBITDA 694 5% 7% -1% -10% 514 -6% -5% -38% -12% -31% 346 -53% -94% 149 Contribution % 134 EBITDA % 4 -10 -31 -46 -43 -36 -71 -222% Q1 FY22 Q1 FY23 Q1 FY24 Q1 FY25 Q1 FY26 Q1 FY27
Slide 11: New initiatives: Rolling months
New initiatives: Rolling 12 months 8.2x revenue growth in 4 years; Contribution at 5% 12 months Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23 Dec-23 Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 ending (₹ Cr) Revenue 355 503 638 848 863 914 1,007 1,062 1,259 1,451 1,694 1,904 2,0
Slide 12: Renewal / Trail revenue
Renewal / Trail revenue 38% growth YoY on 12M Rolling basis 12 Months Rolling Renewal / Trail Revenue (₹ Cr) 1,003 Δ278 Insurance Credit 725 Δ218 506 Δ152 354 Δ113 Δ63 241 Δ63 178 Δ45 115 70 12
Slide 13: Core New Premium
Core New Premium Growth continues for Core New Insurance Premium Core New Premium YoY growth 80% Total (with savings) 70% Total (w/o savings) 70% 64% 59% 60% 49% 56% 48% 50% 48% 44% 45% 40% 39% 40% 34% 40% 41% 36% 38% 39% 39% 37% 38% 35% 34% 30% 21% 18% 19% 20% 15% 10% 0% Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1
Slide 14: Insurance: All round performance
Insurance All round performance; Growth, Efficiency & Customer Exp ₹8,372 Cr +53% ~₹1,000 Cr 90%+ +41% YoY YoY in Q1 FY27 c.50% growth Customer satisfaction 1 Insurance premium in Q1 FY27 Protection (Health & Term) New ARR of renewal revenue CSAT2 for Q1 FY27 Premium growth "Har Family Hogi Insured"
Slide 15: Initiatives to enhance Insurance coverage across under-served customer segments
Policybazaar Initiatives to enhance Insurance coverage across under-served customer segments Term Health Up to 70% lower cost Plans for missing Value Plans; Monthly Mode plan Credit Life customers middle Plans with Affordable cover Saral Jeevan Bima Affordable health plans with wellness Youth & GenZ
Slide 16: The PB AI Operating System
AI & Tech AI for the Ecosystem The PB AI For PB Advisors Operating System For Insurance Partner "In the AI world, the advantage no longer comes from having access to data. It comes from the ability to AI ENGINE operationalize intelligence." AI is embedded in the core of how Policybazaar – Scales For
Slide 17: The Scale we operate at
AI & Tech The Scale we operate at ! ~10 Crore No. of customer interactions occur every month 21 17 Lac 2.7 Lac LAC minutes of conversation / day emails / day 8× deeper analysis with AI 100% AI-polished calls processed daily 7 Lac 19,000 100% AI-processed where talk-time exceeds 60 seconds – across 7
Slide 18: PB Operating System – Key Highlights
AI & Tech PB Operating System – Key Highlights Beyond scale, the AI stack is embedded across voice, advisors, service, risk and in-house build capability. 100% calls transcribed 2.5 Mn transcription hours 2.53 Cr documents PII-masked 100% calls read by NLP ₹9,618 Cr sum assured risk averted In-house
Slide 19: Paisabazaar: Continue to Focus on Serving Financial Needs
Paisabazaar Continue to Focus on Serving Financial Needs ₹17.5k Cr 3.7 Lacs 6.1Cr 70%+ Loan disbursal ARR1 Card issuance ARR1 Free credit scores accessed Disbursals to existing (Cumulative) customers2 Our Brand purpose "Har Sapna Hoga Sach" – powers our mission of building a consumer-focused financi
Slide 20: Two leading consumer destinations
Two leading consumer destinations Policybazaar Paisabazaar 158.9 mn 60.6 mn Registered Consumers(1) Consumers accessed their Credit Scores(4) Consumers who have 28.1 mn c. 18% Consumers who have purchased at least one 7.8 mn made at least one insurance policy transaction on Transacting Consumers(2)
Slide 21: policybazaar
policybazaar@ Term | dod Insurance | Car | Insurance ( rg Retirement Health } Plan Insurance | © | ZZ Geiticerstesovee = staring @ 00mm
Slide 22: India's Macro Tailwinds
India's Macro Tailwinds Growing middle class with rising incomes & favorable demographics Demographic Dividend – Median Age Growing Middle Class adult Rising GDP per Capita (US$) (Years) population (Mn) 2,818 Affluent 20 - 25 EU 45 Well-off 90 - 100 1,584 China 40 Middle Income 470 - 500 710 US 39 L
Slide 23: Digital India
Digital India Smartphone, internet & digital payments driving a new economy Smartphone Penetration in India Internet Users & Transactors (Mn) No. of Digital Transactions (Users/Total Population) 2009 1% Internet Users 2018 500-550 Vol FY21 44 Bn 2015 15-18% Internet Users 2025 900-950 Vol FY25 185 B
Slide 24: India's Financial Services
India’s Financial Services Massive under-penetration: India significantly lags global benchmarks across all key metrics Life Insurance Density General Insurance Density Retail lending as % of GDP Credit Card Penetration (%) (US$) (US$) India x 37% x 5% 74 x 23 x China 1.6x 61% 7.6x 38% 274 3.7x 234
Slide 25: India's Insurance Protection Gap
India's Insurance Protection Gap Abysmally low penetration, massive out-of-pocket spend, widest mortality gap Mortality Protection Gap (Protection Insurance Penetration (% of GDP) Health Out-of-Pocket Expense Required minus Life Coverage) Overall Life Non-Life India 66% India 97% 4.2% 4.2% Indonesia
Slide 26: The Fintech Opportunity
The Fintech Opportunity DPI rails + under-penetration = huge addressable market for vertical platforms Fintech Funding by Segment Key Themes Shaping the Ecosystem Global India DPI Rails Creating conducive environment for fintech innovation Payments 21% 43% Power Law Dynamics Affluent India driving s
Slide 27: Tier II & III Cities – The Next Growth Frontier
Tier 2 & 3 Cities – The Next Growth Frontier Insurance growth shifting decisively beyond metros Insurance Density – India vs Penetration(%) World Density ($) Tier 1: Premium Share Geography Life Non- Non- Life ($) (%) Life (%) Life ($) USA & 2.7 8.6 1,999 6,416 Canada Adv. EMEA 4.3 3.0 1,957 1,351 A
Slide 28: India's Insurtech Ecosystem
India’s Insurtech Ecosystem B 2 C B 2 B 2 C B 2 B B2C Broker PoSP Agents Embedded Group & Consolidators Insurance Insurance Platform aggregating & selling Insurtech selling insurance Insurtech selling insurance Insurtech selling group Description insurance from multiple insurers through partner PoS
Slide 29: How Policybazaar Solves Insurance?
How Policybazaar Solves Insurance? CHALLENGES OUR SOLUTION FOR CONSUMERS FOR INSURERS Human-Intensive Operations → Tech-enabled processes with Data-backed innovation Seamless digital journeys Operating cost efficiency High-Cost Physical Distribution → Digital distribution with sharp risk assessment
Slide 30: Our Business Model
Our Business Model A self-reinforcing flywheel powered by trust, data, and technology Consumer Fraud Detection & Driving Education First Notification Of Loss through Mass Media & PR Inbound Consumers Direct Traffic We Can Invest In Insurers Can Better Consumer Focus On Service & Claims New Product &
Slide 31: Platform Advantage
Platform Advantage Creating value for consumers and insurance partners FOR CONSUMERS FOR INSURANCE PARTNERS User-Friendly Experience High-Quality Disclosures Customized journeys, NLP chatbots, seamless digital flow Direct from customer – bypassing fraud prone agent channel 1,000+ Products, 53 Insure
Slide 32: Our Offerings from 53 Partners
Our Offerings from 53 Partners Multiple product categories across protection, compliance, savings, and more PROTECTION COMPLIANCE-LED SAVINGS & INVESTMENT OTHERS Health Insurance Motor Insurance Investment Plans Home Insurance 300+ Plans 27 Partners 300+ Plans 23 Partners 160+ Plans 17 Partners Term
Slide 33: Health Insurance – Product Suite
Health Insurance – Product Suite From special products to premium plans – catering to every segment COVERAGE ACROSS SEGMENTS Healthy Individuals Senior Citizens Maternity Plans Plans for Pre-existing Diseases & Families (PED) Plans to suit evolving needs; Yearly 30-min guaranteed claim support Pre &
Slide 34: Health Insurance – Innovation & Niche Offerings
Health Insurance – Innovation & Niche Offerings Pushing the product frontier with enhanced coverage ENHANCED COVERAGE OPD Cover 2-Hour Zero Hospitalisation Waiting Period Plans Replacing 24-hr minimum stay With PED Benefits: Asthma, BP, Diabetes Better customer experience than IPD Greater claim elig
Slide 35: Health Insurance – App Ecosystem
Health Insurance – App Ecosystem Driving Customer Engagement & Retention through App Ecosystem – Tele Consultation and VAS Offerings Promotes Wellness | Discounts on Renewal Improves Conversion & Retention | Better Risk Assessment 35
Slide 36: Term Insurance – Product Suite
Term Insurance – Product Suite New-age products for every consumer segment SALARIED EMPLOYEES WOMEN SPECIFIC PLANS SELF EMPLOYED NRI Refund of Premium Plans Term Insurance Mix Plans for Self Employed NRI Focused Plans 15% 17% • Income • World-Wide Coverage document waiver Women • Video medical tests
Slide 37: Term Insurance – Credit Life
Term Insurance – Credit Life Affordable protection for home loan borrowers PROBLEM LIFETIME PREMIUM Credit Life Insurance Term insurance as home credit attachment is COMPARISON (20 YEARS) expensive – more than half1 of home loan customers are unsecured Life Online Offline Saving Cover Price Price SO
Slide 38: Motor Insurance – Improving Affordability
Motor Insurance – Improving Affordability Usage-Based Plans, Flexible Payments & Smart Discounts M OTOR INSURANCE Pa y- As- You-Dri ve Flexible Payments & Discounts Multi-Year Plans Regular Plans 3-year own damage + third party. No yearly renewals, extra discounts & free Uber vouchers. Unlimited Kms
Slide 39: Motor Insurance – Consumer Connect
Motor Insurance – Consumer Connect Tools & Renewal Reminders Self-Service Tools Smart Renewal Reminders 1 2 3 4 3939
Slide 40: Savings Plans
Savings Plans Customer-centric plans competing with other asset classes GOAL-BASED OFFERINGS NRI PLANS (including VIA GIFT CITY) Wealth Creation USD-denominated investment options Low-cost ULIP (Growth) with capital guarantee solutions NRE/overseas bank accounts accepted Savings for Child (WOP1) Inv
Slide 41: Savings Plans – Goal Based Savings
Savings Plans – Goal Based Savings THE PROBLEM: YOU HAVE PLANNED FOR THE FUTURE, BUT IS IT TRUELY PROTECTED! 01 02 03 Regular cash flow Future investments stop Immediate expenses arrive disappears Income halts – the SIP funding the goal stops; Last rites, medical bills and pending fees hit Daily hou
Slide 42: Savings – Wealth Management Platform
Savings – Wealth Management Platform Full digital investment portfolio management – track, manage, grow Track > Manage > Grow Investment Portfolio Self Fund Switching Premium Reallocation Map Investments View all plans: Market Linked, Switch between fund options Redirect future premiums to Map inves
Slide 43: Savings – Wealth Management Platform
Savings – Wealth Management Platform Full digital investment portfolio management – track, manage, grow Track > Manage > Grow 43
Slide 44: Pensionbazaar
Pensionbazaar A marketplace for retirement solutions INDIA's 60+ Age Group Key Issues to Solve Population (%) Strategy Expected to double by 2050 (UNFPA) Delayed Start 90%+ of 50+ age group regret 20% postponing retirement planning Digital-First 11% Platform 8% Inadequate Cover Inflation & healthcar
Slide 45: Brand Campaign: Parivaar Sabse Pehle
Brand Brand Campaign Campaign ‘Parivaar Sabse Pehle’ Making protection a family conversation Campaign Footprint Term Insurance Health Insurance A voice India trusts. A message every family needs ! The ‘Parivaar Sabse Pehle’ campaign launched in July 2026 is bringing Health and Term Insurance into ev
Slide 46: Brand Campaigns
Brand Campaigns Awareness campaigns in 10+ languages with celebrity partnerships Celebrity-Led Campaigns Regional Language Campaigns Humor as a Marketing Tool Available in 10+ Regional Languages Popular comedians drive awareness for protection products Tamil Marathi Telugu Hindi Punjabi (Health & Te
Slide 47: Mass Media & Brand Recall
Mass Media & Brand Recall Sports events, TV integrations & multi-format media presence Sports Event Sponsorships TV Show Integrations & Value-added Branding “Policybazaar team helps you choose insurance basis your needs” IRONMAN 5i50 HYROX SMVD Half Marathon Hindi & regional Zee Kannada & Triathlon
Slide 48: Best of Both Worlds: Online B2C + Offline Push
Best of Both Worlds: Online B2C + Offline Push Online B2C Online B2C + Offline Push Consumers Consumers • Tele-assistance • Tele-assistance during purchase • Choices of products & pricing • Choices of products & pricing + Human Touch • Tech & customer-center based service • Tech & customer-center ba
Slide 49: Phygital approach
Phygital approach On-ground sales support in 250+ cities, helping convert better Cities with on-ground sales support BENEFITS TO CONSUMER Flexible Engagement Convenient in-person meetings at your preferred time & place Human Touch Face-to-face guidance for complex insurance decisions Brand Trust Bac
Slide 50: Technology for Consumers & Insurance Partners
Technology for Consumers & Insurance Partners Seamless services using integrations for dedicated & real-time data pipes 50
Slide 51: Technology solutions for Consumers
Technology solutions for Consumers Customized & self-aided journeys throughout the lifecycle CONSUMER LIFECYCLE 01 DISCOVER 02 BUY 03 TRANSACT 04 MANAGE 05 CLAIM Customized Self-Aided Seamless Lifecycle Claims Solutions Journeys Transactions Management Assistance Easy documentation Payment gateway f
Slide 52: Technology solutions for Consumers
Technology solutions for Consumers Customized & self-aided journeys throughout the lifecycle User friendly interface assisting customers throughout the lifecycle Fill-in customer Compare products across Self video inspection (Motor) Easy payment details insurers or Telemedical (Life / Health) proces
Slide 53: Technology solutions for Consumers
Technology solutions for Consumers Customized & self-aided journeys throughout the lifecycle Life – Video Verification 53
Slide 54: The PB AI Operating System
AI & Tech AI for the Ecosystem The PB AI For PB Advisors Operating System For Insurance Partner "In the AI world, the advantage no longer comes from having access to data. It comes from the ability to AI ENGINE operationalize intelligence." AI is embedded in the core of how Policybazaar – Scales For
Slide 55: The Scale we operate at
AI & Tech The Scale we operate at ! ~10 Crore No. of customer interactions occur every month 21 17 Lac 2.7 Lac LAC minutes of conversation / day emails / day 8× deeper analysis with AI 100% AI-polished calls processed daily 7 Lac 19,000 100% AI-processed where talk-time exceeds 60 seconds – across 7
Slide 56: The PB AI Operating System
AI EM BEDDED IN HO W PO LICY B AZ A AR O PERAT E S, SERVES & SCAL ES The PB AI Operating System FO R CUST O M ERS FO R PB ADVI SO R S F O R INSURERS GenAI-Powered Customer 360° Risk Intelligence Customer Service Intelligence Engine GenAI chatbots: Instant 24×7 query resolution Agentic AI: full Custo
Slide 57: Every interaction captured, each signal converted to intelligence
A R C H I T E C T U R E M ULT I LAY ER INT EL L IG ENCE ST ACK Every interaction captured, each signal converted to intelligence IMPACT Customer Experience Advisor Productivity Business Boost ↑ Powered by layers 1→2→3 · 24×7 service availability · Ask Genie · 100K queries / day · +20% conversion rat
Slide 58: Smarter conversations, higher conversions
A I I N S A L E S A UNIFIED AI-POWERED SALES STACK ACROSS THE LIFECYCLE Smarter conversations, higher conversions 01 02 03 04 P R E P A R E E N G A G E C O N S U L T C O A C H Know Your Customer Lead Summary View Ask with Genie AI Sales Coach AI-generated 360° profile with portfolio Real-time AI syn
Slide 59: Use Case 2: CRM systems with in-built Intent Analysis
A I I N S A L E S Use Case 2: CRM systems with in-built ‘Intent Analysis’, ‘Lead Matching’, ‘Pitch Quality Check’ A 360° customer view: Proprietary systems for lead management & booking INTENT ANALYSIS management AI Powered Intent Analysis OPTIMAL LEAD ALLOCATION Matches lead score with Agent Score
Slide 60: Voice & ASR – built in-house
A I I N S A L E S 100% CALL T RANSC RI PT IO N | 7 LANG U AG E S | O N - PREM IN F R AST R U C T U R E Voice & ASR – built in-house Accurate Speaker ID Proactive detection and flagging of compliance breaches Diarization assigns text to advisor/agent vs Customers for clear context Language Transcript
Slide 61: Risk removed at entry, not after issuance
A I I N R I S K 30+ PARAMETERS PROFILED PER CUSTOMER · REAL -TIME RISK SCORING Risk removed at entry, not after issuance Input Variables AI Models Outcomes Explicit Variables Current Interactions Website / M Site Tele / Video Meeting Partner Benefits Implicit Variables • Lower Claims Ratio Risk Scor
Slide 62: Risk assessment framework for fraud detection
A I I N R I S K Risk assessment framework for fraud detection Face biometrics & Voice identification employed for fraud detection. Liveliness Verification with Public Databases Detection is done to check for deepfakes, if any. 62
Slide 63: FY26 Measurable Impact
A I I N R I S K FY26 Measurable Impact Biometrics, robust verification and fraud prevention driving results Prioritizing Sharper Risk Assessment over short term revenue gain IMPACT METRICS ₹9,618 Cr Deaths per 10k Policies2 Claims within first 12 months of issuance2 14.4 Sum Assured risk averted in
Slide 64: Service with speed, empathy & accuracy
A I I N S E R V I C E AI EMBEDDED ACROSS THE SERVICE JOURNEY Service with speed, empathy & accuracy 01 02 03 04 C U S T O M E R C L A I M S C H A T C O A C H Case Summary Claim Processor Conversational AI Netra Service Coach AI-generated summary of complete Automated processing of claim Quick resolu
Slide 65: Service with speed, empathy & accuracy
A I I N S E R V I C E AI EMBEDDED ACROSS THE SERVICE JOURNEY Service with speed, empathy & accuracy Virtual RM Bot for AI Powered Chat Queries Assistants Motor Service Bot 65
Slide 66: Claims Assistance
Claims Assistance End-to-end support across Health, Term & Motor at scale Health Insurance Term Insurance Motor Insurance • On-ground support in 300+ cities • Grief-support programs for nominees • Assured Delivery Program + Claim at free of cost Kavach – a 24×7 repair & escalation • Medical Counsell
Slide 67: Claims Assistance – Health Insurance
Claims Assistance – Health Insurance On-ground assistance — from first call to full recovery Health On-Ground Claims support in 300+ cities 1 2 3 4 5 Customer calls for PB Advisor pitches the RM meets customer at Hassle-free in-hospital Satisfied customer claim assistance network hospital hospital w
Slide 68: PB Care+
PB Care+ Easy Admission → No Deposit → Easy Discharge TODAY HOW WE CREATE VALUE Customer goes to any hospital Operational Consistent coordination across the full hospitalisation Support episode ✕ Lengthy admission process Customer Low-friction journeys that remove administrative ✕ Hospital deposit r
Slide 69: Claims Assistance – Health Testimonials
Claims Assistance – Health Testimonials Health claims experience endorsed by customers Testament to the power of Health Insurance in providing Financial Security and Peace of Mind I want to express my deepest gratitude for the outstanding support & Thank you very very much for I would like to sincer
Slide 70: Claims Assistance – Term Insurance
Claims Assistance – Term Insurance On-ground assistance at the time of claims Grief support program Free Grief Support Program for nominees has a bi-fold impact For the Consumer • Stress-free claims process, driving customer loyalty For Policybazaar • Word-of-mouth marketing by satisfied beneficiari
Slide 71: Claims Assistance – Motor Insurance
Claims Assistance – Motor Insurance Assured Delivery Program + Claim Kavach = Assistance at the times of claims Motor Assured Delivery Program (ADP) 1 2 3 4 5 Customer calls for PB Advisor pitches the ADP RM meets & provides end- Car repaired in record Satisfied customer claim assistance Garages to-
Slide 72: Claims Assistance – Motor Insurance
Claims Assistance – Motor Insurance Assured Delivery Program: On-Ground Assistance at the time of claim ADP Journey ADP scale & performance 38K+ Customers supported1 Garages affiliated across 257 India 189 Cities Turn-Around-Time 32% reduction 96% CSAT Note: 1. Since ADP Launch in 2QFY25 72
Slide 73: PB Wheels
PB Wheels One-stop platform for all car related needs PB Wheels is emerging as a Preferred Partner Network (PPN) of Insurance partners Hassle Free Stress-free Instant vehicle Value-added Car Care claims insights services End-to-end Seamless claims Quick access to Complimentary maintenance management
Slide 74: Claim Assistance
Claim Assistance Promoted through media campaigns Awareness Campaigns on Brand film titled ‘Ashray’, inspired by Campaigns with Health and Term Insurance the story of a young boy whose family’s Real Stories, Real Impact Health Insurance health insurance cover supported them during a medical emergenc
Slide 75: Customer-First Claims Experience
Customer-First Claims Experience Standing with our customers at the moment of truth and celebrating the heroes who make it possible Claim Samadhan Divas Insurance ka Superhero 5.0 Grievance Redressal Day | The 'Moment of Truth' Commitment Flagship event celebrating real-life claim success stories Re
Slide 76: Paisabazaar Business
Business paisabazaar®
Slide 77: Paisabazaar – India's largest comparison platform for credit products
H I G H T L I G H T S Paisabazaar – India’s largest comparison platform for credit products India’s largest 27 Lacs credit score awareness initiative ₹17.5 k Cr Avg. Monthly Enquiries Loan disbursals ARR* (credit products) * 31 Lacs 6.1 Cr 3.7 Lacs Transactions Credit Score Credit Cards issued ARR*
Slide 78: India a large, underpenetrated retail lending market
T H E M A R K E T India a large, underpenetrated retail lending market – digital growing faster India is a large Consumer Credit Market# Digital’s Rising Share of Lending * Market Characteristics Under-penetrated Market SECURED LOANS DISBURSED (ANNUAL) ₹18 L Cr 12% → 40% Household debt-to-GDP far be
Slide 79: Solving structural problems through an App-First Financial Ecosystem
OUR PROPOSITION Solving structural problems through an App-First Financial Ecosystem Consumer at the core. Technology at scale. Consumer Pain Points Paisabazaar Advantage India's App-First Financial Ecosystem Credit • Savings • Payments Transparent & Neutral Comparison Difficult to find the best off
Slide 80: Core disbursal growing at 33% YoY
Core disbursal growing at 33% YoY, led by unsecured; cards remain subdued; new initiatives pivot to retail Disbursals (₹ Cr) Credit Card Issuance (In thousands) Core New Initiatives 9,986 140 134 8,570 7,003 96 90 90 91 87 79 5,182 4,366 3,542 3,140 41 2,320 1,491 984 12 110 1 Q1 Q1 Q1 Q1 Q1 Q1 Q1 Q
Slide 81: Five pillars to compete, differentiate and win
OUR STRATEGY Five pillars to compete, differentiate and win 01 02 03 04 05 Go deeper in Scaling Secured Driving Credit Building a Wealth AI Embedded at Unsecured Credit Credit Awareness & & Savings Platform the Core Progression Enhancing end-to-end digital Strengthening D2C Play, Offering credit imp
Slide 82: Sharpening lender matching to drive higher offer generation & conversion
UNSECURED CREDIT Sharpening lender matching to drive higher offer generation & Conversion Partners: Live with leading Banks (HDFC Bank, Axis Bank, Yes Bank, The Matchmaking Engine Seamless Onboarding Driving FederalHigher Bank & Conversion IDFC First Bank) Internal ML Models: Trained on historical a
Slide 83: Scaling responsibly with risk pre-filtering at source
UNSECURED CREDIT Scaling responsibly with risk pre-filtering at source Risk Compression at Source Portfolio quality ahead Pre filtering early delinquency Identifies high-risk customers hidden within the of expectation ‘approved’ pool Mechanism Acts as a ranked risk gate to throttle exposure RAW cust
Slide 84: Building Engagement Loops Through Payments to Drive Repeat Credit
UNSECURED CREDIT Building Engagement Loops Through Payments to Drive Repeat Credit Everyday use cases drive repeat behavior, while cashback ecosystem reinforces customer stickiness Daily Use Cases PB Wallet (Payments & (Cashback Engine) Recharges) • Mobile recharges and bill • Cashback earned on pay
Slide 85: Democratizing Airport Lounge Access Beyond Card Eligibility
UNSECURED CREDIT Democratizing Airport Lounge Access Beyond Card Eligibility PB Pass: A differentiated rewards proposition designed to strengthen engagement and loyalty Complimentary airport lounge access ✓ Creates a proprietary benefit beyond bank-issued card perks 1800+ lounges, 850+ airports ✓ En
Slide 86: Driving Efficiency via AI-led Card Discovery, Explainers & DIY Journeys
UNSECURED CREDIT Driving Efficiency via AI-led Card Discovery, Explainers & DIY Journeys AI-Powered Product Digital journeys improving CX, lowering AI-led Card Discovery AI- Based Chat BOT Education costs 86
Slide 87: Investing in fulfillment & digital capabilities to build scale in Secured Credit
SECURED CREDIT Investing in fulfillment & digital capabilities to build scale in Secured Credit Scaling Secured Credit PB Connect: Enabling Scalable, Phygital channel to strengthen D2C Retail-led Growth Strengthening direct-to-consumer Tech platform powering digitization & fulfilment with last-mile
Slide 88: Creating an End-to-End Credit Journey: Improve, Build & Progress
CREDIT AWARENESS & PROGRESSION Creating an End-to-End Credit Journey: Improve, Build & Progress THE PROPOSITION 6.1 Cr Free for Life CONSUMERS ACCESSED CREDIT SCORE Monthly updates across all 4 credit bureaus 6.1 5.1 Proprietary Algorithm 4.3 Segmentation and offers powered by SmartMatch 2.73 2.15 C
Slide 89: Building Credit Lifecycle for NTC & Emerging Customers
CREDIT AWARENESS & PROGRESSION Building Credit Lifecycle for NTC & Emerging Customers Credit Score improvement Step 1- Awareness & Step 2- Improvement Step 3- Entry credit via Transaction Monitoring (Pay your Outstanding) Secured Card 5.8 Lacs New transactions1 (track & manage) in Q1FY27 Step 4 –Gra
Slide 90: Gamifying Credit Awareness To Build a Low-CAC Top-of-funnel
CREDIT AWARENESS & PROGRESSION Gamifying Credit Awareness To Build a Massive, Low-CAC Top- of-funnel CPL 2.0 — Leveraging India’s Biggest Competitive Moment Campaign Highlights Engagement Catalyst (CPL 2.0) 200+ 250+ 50 7 JioHotstar & Pieces of Memes TV YT Live News Channels SAMSUNG Social Media Cre
Slide 91: Building a Wealth & Savings Platform
WEALTH & SAVINGS PLATFORM Building a Wealth & Savings Platform Bonds, FDs & Mutual Funds adding to a diversified product suite for every stage of the financial life-cycle Expanding beyond Credit Scaling Fixed Income Offerings (Bonds & FDs) • Corporate Bonds | G-Sec’s & Baskets • FDs with Banks, SFBs
Slide 92: Driving efficiency and personalization through AI integration
AI AT CORE Driving efficiency and personalization through AI integration across key verticals AI-driven Impact Across Key Verticals Enterprise-wide AI Capabilities Driving Business Transformation Customer Customer Experience Call-Center Technology Product AI Video Credit Report | Chat | Card Recomme
Slide 93: PB Partners
pbpartners@ “* =~ EKRISHTABHAROSEKA = 2 . 1X RISHTA BHAROSE KA
Slide 94: Sustained market leadership, accelerated growth momentum
MARKET POSITION Sustained market leadership, accelerated growth momentum & increasing efficiency Zone wise Pan-India distribution at scale Share of business Tech-led platform powering independent sellers of insurance & financial-product ~19k ₹1,637 Cr 51% PIN CODES GWP in Q1FY27 Pan-India coverage +
Slide 95: A win-win for every stakeholder
ECOSYSTEM A win-win for every stakeholder Value created across insurer partners, sellers and consumers INSURER PARTNERS 01 SELLERS / AGENTS 02 CONSUMERS 03 Single point of distribution Higher earnings, modern tools Trusted, personalized advisory ▪ One-entity engagement instead of multi- Larger produ
Slide 96: Seamless onboarding. Powerful tools.
EMPOWERING PARTNERS Seamless onboarding. Powerful tools. ONBOARDING JOURNEY Partner active in minutes PAN & Education Address & GST docs Start Onboarding EFFICIENCY TOOLS – ENABLING PERFORMANCE Offering Customizer Performance Tracker Tailor product mix, IDV, Monthly score, leaderboards, plan combos
Slide 97: 24×7 dedicated support
SUPPORT TO PARTNERS 24×7 dedicated support SERVICES OFFERED BY SVRM 01 Performance 02 enablement Payout Queries Pre-inspections Swift resolution for inbound Motor & other policies concerns 24×7 03 Endorsements 04 Quotation Management DEDICATED PARTNER SUPPORT Easy navigation & filing Inbound quote q
Slide 98: Eleven flagship training programs
CAPABILITY BUILDING Eleven flagship training programs Continuous upskilling for partners & employees across the insurance value chain Gyanshala 01 PBP Masterclass 02 Sankalp 03 11+ Weekly insurance concepts series Industry-expert training sessions First Response Time & accuracy 06 FLAGSHIP PROGRAMS
Slide 99: Rewarding partners: PBP One loyalty program and on-demand payouts
PARTNER ENGAGEMENT & RETENTION Rewarding partners: PBP One loyalty program + On-demand payouts + Multi-category awards PBP One Loyalty 01 Imperial · Royal · Crown tiers Earn PBP Coins each quarter on net premium Contests & Leaderboards 02 Live + past contest engagement Time-bound contests with extra
Slide 100: Policybazaar for Business
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Slide 101: Corporate Insurance: Q1FY27 Premium grew 41% YoY
CORPORATE INSURANCE Q1FY27 Premium grew 41% YoY End-to-end employee benefits + Property & Liability coverage for Indian corporates Insurance Premium (₹ Cr) CORPORATE COVERAGE OFFERED Employee Benefits Group Term + Group Health insurance 16x Comprehensive, customisable employee coverage across health
Slide 102: Tech-based solution for every corporate
CORPORATE INSURANCE Tech-based solution for every corporate AI HEALTH EMPLOYEE BOT EMPLOYER TOOL HR Portal AiSHA WhatsApp Bot Insurance enrolment & management AI Smart Health Assistant ▪ Live dashboard for lives covered, endorsements ▪ Instant Face check-up – no devices, clinics or waiting ▪ Claim t
Slide 103: Policybazaar UAE
policybazaar@ Where UAE Gets Jnsured policybazaar@ (103 Where UAE Gets /nsured
Slide 104: UAE Operations: Q1FY27 Premium grew 31% YoY
UAE OPERATIONS Q1FY27 Premium grew 31% YoY Leadership in UAE – with focus on Health, Life and broader financial products FY19 20x 31% ₹1,871 Cr * OPERATIONS STARTED GROWTH YoY GROWTH Q1 FY27 Established UAE presence Since Q1 FY22 baseline Q1FY27 vs Q1FY26 Annualized run-rate Insurance Premium (₹ Cr)
Slide 105: Co-created products + Loyalty rewards
ENHANCING THE VALUE PROPOSITION Co-created products + Loyalty rewards CO-CREATED PRODUCTS LOYALTY PROGRAMS Tailored exclusively for NRIs PB Royalty | PB Advantage Cross-border coverage in both UAE and India · Income Protection Plans Rewarding referrals | Waiver of excess | Service discounts (new cat
Slide 106: Multi-layered fraud prevention
TRUST & SAFETY Multi-layered fraud prevention Real-time transaction monitoring | risk assessment | regulatory compliance THE VERIFICATION FUNNEL. EVERY STEP A FRAUD GATE 01 Vehicle Registration Upload front-side mulkiya – auto- extract & match 02 Driving Licence Front-side licence card with read-alo
Slide 107: Enhancing the value proposition: Claims Assistance for motor Insurance
CLAIMS ASSURANCE Enhancing the value proposition: Claims Assistance for motor Insurance Dedicated Claims Concierge #ClaimYourCalm Campaign One person owns the entire journey, end-to-end. Real-time Digital Tracking Status updates from claim filing to settlement. Priority Garage Access On-ground suppo
Slide 108: Awards & Recognition
Awards & Recognition BW Fintech Festival Insurance Asia Awards Berkshire Media FICCI – PICUP Award ET Entrepreneur Awards Best Fintech of the Year India’s Leading Online Insurance Best Insurtech Best use of AI in Fintech Best AI Initiative of the Year Best Customer Service Platform Claim Samadhan ET
Slide 109: Thank You
Thank You For any queries please email: investor.relations@pbfintech.in PB Fintech Limited Plot 119, Sector 44 Gurugram Haryana 122001 109