Pb Fintech Limited · NSE:POLICYBZR
Pb Fintech — Q1 FY26 Earnings Presentation
119 slides from Pb Fintech's earnings presentation, June 2025
Slide 1: Earnings Call Quarter ended June 2025
Earnings Call Quarter ended June 2025
Slide 2: What do we do?
What do we do? PB Fintech The umbrella entity comprising of India’s leading marketplaces that offer end-to-end insurance & credit solutions to consumers. Our platforms simplify complex choices, present personalized solutions & enable smart financial decisions. We leverage technology & data to drive
Slide 3: Key Highlights: Q1FY26
Key Highlights: Q1FY26 Total Insurance Premium is at ₹6,616 Cr, a growth of 36% YoY Total Lending Disbursal is at ₹7,003 Cr, a growth of 123% YoY Protection (Health & Term Insurance) New Premium grew 46% YoY Core online Insurance Premium grew 35% YoY Core Lending Disbursal continues to be stressed w
Slide 4: Overall business Q1
Overall business Q1 Revenue grew at 33% with stable / improving margins Q1 FY25 Q1 FY26 YoY ₹ Crores Core Core Core New New New Total Online Total Online Total Online Initiatives Initiatives Initiatives Business Business Business Premium 4,871 3,357 1,514 6,616 4,532 2,084 36% 35% 38% Revenue 665 83
Slide 5: Overall business
Overall business EBITDA grew 188%, PAT grew 347% to ₹85 Cr Q1 Q1 ₹ Crores FY25 FY26 Adjusted EBITDA 49 89 (non-GAAP) ESOP Charges 64 55 EBITDA (39) 34 Depreciation 25 33 Finance Cost 6 9 Other Income 100 99 Exceptional item 41 0 Tax 11 8 PAT 60 85 PAT (exc. Exceptional) 19 85 5
Slide 6: Overall business Q1: Performance since Public Listing
Overall business Q1 Performance since Public Listing 1,348 Revenue PAT 1,010 PAT margin 666 505 238 85 6% 19* 2% -12 -2% -40% -111 -47% -204 FY22 FY23 FY24 FY25 FY26 Q1 Q1 Q1 Q1 Q1 *PAT excluding Exceptional item of ₹41 Cr in Q1 FY25 6
Slide 7: Overall business: Rolling 12 months
Overall business: Rolling 12 months Revenue grew 3.1x in 3 years, PAT margin improved significantly to 7% from -58% 12 months Mar-22 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 ending (₹ Cr) Premium 6,975 7,811 8,932 10,179 11,589 12,170 13,100 14,334 1
Slide 8: Insurance Premium grew 4.1x and Disbursal grew 7.1x
Insurance Premium grew 4.1x and Disbursal grew 7.1x Insurance Premium Disbursals (₹ Cr) (₹ Cr) 7,003 New Initiatives 6,616 Core Online Business Core Online Business New Initiatives 4,871 4.1x 7.1x 3,542 3,011 3,140 2,430 2,320 1,594 984 Q1 Q1 Q1 Q1 Q1 Q1 Q1 Q1 Q1 Q1 FY22 FY23 FY24 FY25 FY26 FY22 FY2
Slide 9: Steady growth continues for Core New Insurance Premium
Steady growth continues for Core New Insurance Premium (net of Savings business) Core New Premium YoY growth Total With Savings Without Savings 66% 61% 47% 44% 42% 40% 44% 38% 34% 39% 39% 39% 40% 36% 38% 30% 34% 23% 19% 21% FY24 FY24 FY24 FY24 FY25 FY25 FY25 FY25 FY26 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 9
Slide 10: Core Online Business: Rolling 12 months
Core Online Business: Rolling 12 months Steady revenue growth with margin improvement 12 months ending Mar-22 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 (₹ Crores) Revenue 1,200 1,337 1,484 1,591 1,710 1,855 2,043 2,211 2,375 2,524 2,687 2,865 3,073 3,
Slide 11: New Initiatives Q1
New Initiatives Q1 Continued market leadership with improving efficiency New Initiatives Margin % (₹ Cr) Contribution Margin % EBITDA % Revenue 514 -1% 5% -10% EBITDA -38% -6% -12% 346 -31% -94% -53% 134 149 4 -10 -43 -31 -46 -71 -222% Q1 Q1 Q1 Q1 Q1 Q1 Q1 Q1 Q1 Q1 FY22 FY23 FY24 FY25 FY26 FY22 FY23
Slide 12: New initiatives: Rolling 12 months
New initiatives: Rolling 12 months Revenue 5.8x in 3 years, margins improved significantly 12 months ending Mar-22 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 (₹ Crores) Revenue 225 355 503 638 848 863 914 1,007 1,062 1,259 1,451 1,694 1,904 2,073 Contr
Slide 13: Renewal / Trail revenue
Renewal / Trail revenue 43% growth YoY 12 Months Rolling Renewal / Trail Revenue 12 months rolling Renewal Revenue Insurance Credit 43% 725 Δ218 Δ152 506 Δ113 354 Δ63 241 Δ63 178 Δ45 115 70 13
Slide 14: Insurance Continues to Scale
Insurance Continues to Scale Improving Efficiency & Customer Experience ➢ “Har Family Hogi Insured!” We aim to protect every family in India against the financial impact of Death, disease & disability by having Health and Life insurance. We continue expanding our regional reach using TV campaigns in
Slide 15: Non-Insurance on path to recovery
Non-Insurance on path to recovery Newer offerings to serve financial needs of varied segments ➢ Our brand tagline “Har Sapna Hoga Sach” reflects our mission of building a consumer-focused financial wellness platform ➢ We continue to enable access to credit for India’s diverse consumer segments, thro
Slide 16: Two leading consumer destinations
Two leading consumer destinations Policybazaar Paisabazaar 111.6 mn 52.7 mn Registered Consumers(1) Consumers accessed their Credit Scores(4) Consumers who Consumers who 21.8 mn have purchased at least one insurance 6.5 mn have made at least one transaction on Transacting Consumers(2) policy through
Slide 17: policybazaar
policybazaar@
Slide 18: India's macro in place for sustained growth: Growing middle class
India’s macro in place for sustained growth Growing middle class with rising incomes Rising GDP per capita (US$) Growing middle class adult population (Mn) Affluent 20-25 Well-off 90-100 Middle Income 470-500 (Credit Active, Underserved & Unserved) 200-210 Low Income (Unserved) 160-170 Low Income (N
Slide 19: India's macro: Favorable consumer demographics
India’s macro in place for sustained growth Favorable consumer demographics Young population with 56% Millennials & Gen Z pop’n in India Consumer Demographics Median Age Young & tech-savvy population Others 38.5 37.9 5% Gen X Gen Z 14% 26% 27.9 Increasing nuclearization of families Gen Migration to
Slide 20: India's macro: Rising smartphone users
India’s macro in place for sustained growth Rising smartphone users Smartphone penetration in India Smartphone Users Increased multi-fold over the years across geographies (Mn) 75% 71% 66% China 950-980 61% 54% India 630-680 46% US 260-280 35% 29% Indonesia 190-200 23% 19% Philippines 72-80 15% 10%
Slide 21: India's macro: Internet & Smartphone users pushing digital transactions
India’s macro in place for sustained growth Internet & Smartphone users pushing digital transactions India Users (Mn) 2018 2023 2028 (P) 2 Access to the 500-550 700-750 1040-1080 internet 0 Smartphone users 350-400 630-680 950-990 2 Online transactors 100-120 400-450 800-850 3 Internet Users across
Slide 22: India's macro: Digital & non-cash transactions on the rise
India’s macro in place for sustained growth Digital & non-cash transactions on the rise Volume Volume of Digital of Digital Transactions Transactions (Bn)(Bn) in India Value Value of Digital of Digital Transactions Transactions (USD(US$ in India Tn) Tn) 60-70 500-550 30 164 18 44 FY21 FY24 FY28P FY2
Slide 23: India's macro: Digital Public Infrastructure
India’s macro in place for sustained growth Government interventions for creating Digital Public Infrastructure (DPI) DPI rails Data Exchange Payments Identity Reserve Bank of India UIDAI, Govt Developer RBI, NPCI (RBI), MeitY Departments UPI Aadhaar Digilocker FASTag PMJDY Components Account Aggreg
Slide 24: India's macro: Financial Services underpenetrated
India’s macro in place for sustained growth Financial Services underpenetrated – massive scope Retail lending Credit card Life insurance General insurance as % of GDP penetration (%) density (US$) density (US$) India 37% 5% 74 23 China 61% 1.6x 38% 7.6x 274 3.7x 234 10x UK 83% 2.2x 62% 12.4x 3,640 4
Slide 25: India's macro: Fintech slated for growth
India’s macro in place for sustained growth Fintech slated for growth Fintech Funding by segment Key themes shaping Fintech ecosystem Global India Power Law: Driving Affluent India credit driving access for significant next 200mn value creation Indians DPI rails Unlocking creating Vertical plays Ind
Slide 26: Insurance penetration is abysmally low
India’s macro in place for sustained growth Insurance penetration is abysmally low 4.2% 4.2% 4.0% 3.7% 3.7% 3.8% 3.7% 3.4% 3.5% 3.3% 3.2% 3.2% 3.0% 2.8% 2.8% 2.8% 2.7% 2.7% 2.7% 2.6% 0.9% 1.0% 0.9% 1.0% 1.0% 1.0% 0.9% 0.7% 0.7% 0.8% FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY24 Overall Life Non-
Slide 27: Widest protection gaps: Health expenditure out-of-pocket
India continues to have one of the widest protection gaps 66% of Health expenditure is Out-of-Pocket: Health insurance is needed Health Expenditure by Source of Financing Out-of-Pocket Country as % Healthcare Expense India 66% Australia 15% Canada 15% China 36% France 9% Germany 12% Indonesia 47% Ja
Slide 28: Widest protection gaps: Life coverage
India continues to have one of the widest protection gaps Only 3% Life Coverage: Term Insurance is needed Mortality protection gap (Protection required minus Life Coverage) Country Protection Gap India 97% US 82% Canada 47% Germany 72% France 49% Japan 59% Australia 72% China 88% Brazil 64% Note: Mo
Slide 29: The future is in Tier 2 & 3 cities
India is vast and growing The future is in Tier 2 & 3 cities Penetration (%) Density (USD) Geography Life Non-Life Total Life Non-Life Total USA & Canada 2.7 8.6 11.3 1,999 6,416 8,415 Advanced EMEA 4.3 3.0 7.4 1,957 1,351 3,308 Emerging EMEA 0.6 1.0 1.5 30 49 80 Advanced Asia Pacific 5.4 3.1 8.6 1,
Slide 30: Evolution of Insurance Distribution Channels
Evolution of Insurance Distribution Channels Early 2000s Additions in 2010 Additions in 2015 Additions in 2022 30
Slide 31: India's Insurtech Ecosystem
India’s Insurtech Ecosystem Categories B2C B2B2C B2B PoSP agents & Sub-category B2C Broker Embedded Insurance Group Insurance consolidators Platform aggregating Insurtech selling Insurtech selling & selling insurance Insurtech selling group insurance through insurance embedded Description from multi
Slide 32: 21.8mn 55.6mn ₹6,616 Cr
93% Market share (online aggregators)^ 21.8mn Transacting Consumers till date ₹ 6,616 Cr 55.6mn Insurance premium Insurance Policies sold (Q1 FY26) (till date) 46% Protection (Health & Term insurance) new premium 51 growth YoY Insurance (Q1 FY26) 90.2% Partners CSAT ^ Market share is as per the Fros
Slide 33: Policybazaar.com: Solving insurance challenges
Policybazaar.com Solving insurance challenges What are we solving ? How do we do it ? Human Intensive Operations Tech-Enabled Processes Data-Backed Innovation Dependence On High Cost Physical Distribution Digital Distribution Sharp Risk Assessment Information Asymmetry Product & Process Risk Transpa
Slide 34: Benefits to Consumers & Insurers
Benefits to Consumers & Insurers Benefits to the Consumer Benefits to the Insurer Product & Price Simulation Support Consumer-Centric Design One-Stop Insurance Shop for with Tech-Based High-Quality Easy & Convenient journeys Tailored Solutions Process innovation Consumer Disclosures Service & Suppor
Slide 35: PB Advantage for consumers
PB Advantage for consumers Uniquely positioned for capturing mindshare Policybazaar provides a holistic product suite with seamless experience Customized journeys 800+ Product span Service & claims support Assistance using chatbots (from 51 insurers) (full stack experience) Natural language processi
Slide 36: PB Advantage for insurance partners
PB Advantage for insurance partners Leverage data and technology to create best in class products and experiences High quality • Data disclosure directly from the customer - bypassing agent channel which is prone to fraud customer disclosures • Tech based document verification Extensive historical •
Slide 37: Our Business model
Our Business model 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 Assistance & Process Innovation Better Direct Declaration Consumer P
Slide 38: Our offerings from 51 partners
Our offerings from 51 partners Compliance-led Savings & Protection Products Others Products Investment Products Health Term Motor Travel Home Pet Insurance Insurance Insurance Insurance Insurance Insurance ~200 ~80 250+ 50 140+ Plans Plans Plans Plans Plans 26 15 23 16 14 Insurance Insurance Insuran
Slide 39: Health Insurance
Health Insurance Catering to all insurance needs: Special products Healthy Individuals & Families Riders Senior Citizen Plans Plans to suit evolving needs: Yearly cover increase 30 minutes claim support Room Rent Waiver (In 200+ cities) Relationship manager For every customer Hospital Cash Benefit 2
Slide 40: Health Insurance: Affordable to premium plans
Health Insurance Catering to all insurance needs: from Affordable plans to Unlimited coverage plans Affordable Plans Monthly Payment Mode for Cost effective plans with Promoting Wellness through Step affordability Limited ‘Room Category’ tracker for Improving affordability Share of Business 35% • Be
Slide 41: Health Insurance: Wholesome and niche products
Health Insurance Catering to all insurance needs: Wholesome offerings as well as Niche products New products for evolving needs: OPD Cover OPD cover provides for medical care & OPD Cover treatments to patients who do not need to stay Unlimited Tele-Consultation 24x7 access to doctors overnight at th
Slide 42: Health Insurance: Unbundled offers
Health Insurance Catering to all insurance needs: Unbundled offers & personalized options Unbundled offers: Choose the features you want ! Indexed Health Conversion Strong alignment 1.53 1.52 1.42 with customer needs 1.20 1.23 1.14 1.00 0.97 1.04 reflected in the 52% increase in conversion within 2
Slide 43: Term insurance: Salaried customers
Term insurance New-age products for all consumers: Salaried customers Zero cost plans Increasingly moving from First Year Lowest Price Guarantee with Special exit value Discounts towards Lifetime Discounts HNI Plans with Plans that give High Sum Assured upto ₹20 Cr “2X Refund of Premium” 43
Slide 44: Term insurance: Women, Self-employed & NRI
Term insurance New-age products for all consumers: Women, Self-employed & NRI Term insurance plans for housewives Plans for self-employed customers NRI-focused plans with ₹1 Cr Sum Assured Term Insurance Buyers 9% 12% 16% Women Men Income FY19 FY23 Q1FY26 documents Women-centric plans Waiver Critica
Slide 45: Motor Insurance: Pay-As-You-Drive
Motor Insurance Improving affordability with Usage based plans: Pay-As-You-Drive 45
Slide 46: Motor Insurance: Improving affordability
Motor Insurance Improving affordability Monthly payment options for better affordability Improving affordability with Limited Network Plans & Additional Disclosures Multi-year plans for Additional savings 46
Slide 47: Motor Insurance: Tools & Reminders
Motor Insurance Consumer Connect: Tools & Reminders 1 2 3 4 47 47
Slide 48: Savings plans
Savings plans Offering customer centric plans which compete with other asset classes From Capital Guarantee solutions Low Cost ULIP vs Mutual Fund Goal Based Offering to Low-cost Market Linked Plans Offering with the Lowest cost across asset classes Wealth Creation Mutual Fund - Product Low cost ULI
Slide 49: Savings plans: Investment Portfolio
Savings plans Customer Investment Portfolio as a Wealth Management Tool 49
Slide 50: Savings plans: Fund management
Savings plans Flexible Fund & Investment Management: Switching funds or re-allocating premium 50
Slide 51: Segmental Market Reach Approach
Segmental Market Reach Approach Awareness brand campaigns in local / regional languages Tamil Marathi Telugu Hindi Punjabi Gujarati Oriya Malayalam Check out our Nominee Grief Support Program Bengali Kannada 51
Slide 52: Continuing to use humor as a tool
Continuing to use humor as a tool Awareness brand campaigns with Kapil Sharma Engaging popular comedians like Kapil Sharma to create consumer awareness about serious subjects like ➢ The critical need of protection products (Health & Term insurance) for middle class families ➢ Benefits of comparing t
Slide 53: Using multiple formats of mass-media
Using multiple formats of mass-media for improving brand recall Boosting presence in relevant events & through TV show integrations Leveraging Sports events Going beyond mainstream TV advertisement by integrating to raise awareness about health insurance with popular shows in Hindi as well as region
Slide 54: Online B2C + Offline Push
The best of both worlds: Online B2C + Offline Push Direct to Consumer Retail Business Intermediary Led Business Online B2C Online B2C + Offline Push B2B2C Consumer Led business Consumer Led business Agent Led / Initiated business Consumers Consumers Consumers •Tele-assistance during purchase •Tele-a
Slide 55: New channels of access
New channels of access Offline Push through stores & in-person appointments Website / Mobile site Telephone Chat • Choice of products, pricing, • Assistance during purchase • Assistance during purchase combos • Service coordination – through chatbots • Unassisted purchase medicals + documentation •
Slide 56: Phygital approach
Phygital approach On-ground sales support in 200+ cities, helping convert better Benefits to consumer Cities with on-ground sales support Flexible & convenient in- person engagement Human touch Trust of the brand Policybazaar Post-sales independent verification to check mis- selling Benefits to PB I
Slide 57: Technology for Consumers & Insurance Partners
Technology for Consumers & Insurance Partners Seamless services using integrations for dedicated & real-time data pipes BU Tech: Customer Experience & Insurer Integrations Customer Experience Insurer Integration Layer Layer Consumer Tech Insurer Tech 57
Slide 58: Technology solutions for Consumers
Technology solutions for Consumers Customized & self-aided journeys throughout the lifecycle Customized solutions Personalized quotations & plan recommendations Easy Documentation Calendar Self-aided consumer Real-time Motor Vehicle using OCR & Management for journeys Endorsements Inspection Compute
Slide 59: 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 details Compare products across insurers Self video inspection (Motor) Easy payment or Telemedical (Life / Health) proces
Slide 60: Technology solutions: Self-help journeys
Technology solutions for Consumers A wholesome experience in the App: Self-help journeys for smooth pre-issuance experience Video inspection for Video verification for Medical scheduling for motor insurance life insurance term insurance 60
Slide 61: Technology solutions: App experience
Technology solutions for Consumers A wholesome experience in the App Consumer Education Policy Management Renewals / Awareness 61
Slide 62: Technology solutions powered by AI
Technology solutions powered by AI Gen AI and other advanced tech solutions for Customers During Purchase Post-Sales Service Call-Based Assistance Self-Help Tools Case-specific advice for the Digital dashboards for customer as AI solutions help document access, renewal agents interpret customer need
Slide 63: AI for Insurance Partners & PB Employees
Technology solutions powered by AI Gen AI and other advanced tech solutions for Insurance Partners & PB Employees Insurance Partners PB Employees AI-Driven Fraud Detection Sales Intelligence Tools ML models spot behavioral anomalies Advisors see full customer profile; AI and detect forged documents
Slide 64: AI solutions for Insurance Partners
AI solutions for Insurance Partners Risk assessment framework for fraud detection Current • Website / M-site Risk Score less than Cut-off Explicit Interactions • Tele / Video Variables • Meeting Price • Enquiries Advantage Historical • Transactions Interactions Lower claims Sent to the insurer for •
Slide 65: AI solutions for Insurance Partners
AI solutions for Insurance Partners Risk assessment framework for fraud detection 65
Slide 66: AI solutions for Insurance Partners
AI solutions for Insurance Partners Risk assessment framework for fraud detection Face Matching, Voice Matching and Liveness Scores Verification with Public Databases Face biometrics & Voice identification employed for fraud detection. Liveliness Detection is done to check for deepfakes, if any. 66
Slide 67: AI solutions for Insurance Partners
AI solutions for Insurance Partners Risk assessment framework for fraud detection Prioritizing Sharper Risk Assessment over revenue Significant drop in Deaths per 10k policies gain in the short term PB initiated Life Insurance Cancellations Based on recommendation of the 14.4 PB Fraud Detection fram
Slide 68: AI solutions to Empower employees
AI solutions to Empower employees Call compliance, pitch tracking and quality assessment using technology Proactive detection and flagging of compliance breaches 68
Slide 69: AI solutions to Empower employees
AI solutions to Empower employees CRM systems with in-built “Intent Analysis”, “Lead Matching”, “Pitch Quality Check” Proprietary systems for lead management & booking management System conducts “Intent Analysis” Match Lead-score with Agent-score Auto-allocation of leads, system based DND mode, call
Slide 70: Technology solutions to Empower employees
Technology solutions to Empower employees CRM systems for “Physical Assistance” CRM system with additional features : a mobile app format to provide assistance to our employees supporting consumers through in-person appointments 70
Slide 71: Quality Management System
Technology solutions to Empower employees Quality Management System • Maintains the quality of conversations; highlights any mis- selling/ high-performing advisor techniques • Automated Speech Recognition Reporting & Business Intelligence Unified Communication (ASR) platform to determine System insi
Slide 72: Claims Assistance: popularized through media campaigns
Claims Assistance: popularized through media campaigns Our dedicated team ensures a hassle-free Our team provides end-to-end support to the experience in the hospital and for pre & post grieving families throughout the claims process; from hospitalization engagement claim filing to claim disbursal H
Slide 73: Claims Assistance: real customers' claims experience
Claims Assistance: popularized through media campaigns showcasing real customers’ claims experience 73
Slide 74: Claims Assistance: Health Insurance
Claims Assistance: Health Insurance On-ground assistance at the time of claims (Health Insurance) Health On-Ground Claims support in 200+ cities Customer calls for RM meets customer & PB Claims Advisor Satisfied customer claim assistance provides end-to-end Hassle-free in-hospital pitches the networ
Slide 75: Claims Assistance Testimonials
Claims Assistance Testimonials Health claims experience endorsed by customers These stories are testament to the power of Health insurance in providing Financial security and Peace of mind “I want to extend my deepest gratitude to Sanjeet, my advisor from Policybazaar, for being a true support syste
Slide 76: Claims Assistance: Term Insurance
Claims Assistance: Term Insurance On-ground assistance at the time of claims Free grief support programs for beneficiaries of term insurance in case of an unfortunate demise Claim Beneficiary: Mr. Dhiraj Arora Grief support program for nominees has a bi-fold impact After the sudden passing of Mrs. D
Slide 77: Claims Assistance: Motor Insurance
Claims Assistance: Motor Insurance Assured Delivery Program: On-ground assistance at the time of claims Motor Assured Delivery Program Customer calls for PB Claims Advisor RM meets customer Car repaired in Satisfied customer claim assistance pitches ADP garage & provides end-to- record time end assi
Slide 78: Claims Assistance: Motor Insurance
Claims Assistance: Motor Insurance Assured Delivery Program: On-ground assistance at the time of claims Customer Satisfaction Score (CSAT) of 94% reflected in 116 testimonials received on email/social media Garages affiliated throughout India Customers endorse Assured Delivery Program through word-o
Slide 79: Claims Assistance: Tech-enabled motor claims
Claims Assistance: Motor Insurance Tech-enabled assistance at the time of claims Video uploaded by the • Information passed to the Insurer customer on the mobile app • Insurer assigns a Surveyor • PB System sends an AI-based damage report with cost estimations to the Surveyor • Back-end settlement o
Slide 80: Claims Assistance: Handy kit for claims
Claims Assistance Handy kit for claims Claim Assistance Card for the nominee to ensure they have handy policy details as well as direct claims assistance number always with them 80
Slide 81: Claims Grievance Redressal Day
Claims Grievance Redressal Day Claims Samadhaan Diwas And few days back, I received a call from Policybazaar ad I came to know about the Claim Samadhaan Diwas. Real-time re-assessment of repudiated / rejected claims In a tripartite conversation with the insurance partner, consumer and Policybazaar G
Slide 82: Awards & Recognition
Awards & Recognition BW Fintech Festival FICCI PICUP Awards SABRE South Asia Best Fintech of the Year Best Financial Services Campaign for Best Insurtech “Maternity Insurance for Women” Best use of AI in Fintech FE FUTECH Insurance Asia Awards 2025 India Insurance Summit Summit and Awards Best AI In
Slide 83: paisabazaar
paisabazaar@
Slide 84: Paisabazaar: India's largest comparison platform for credit products
Paisabazaar: India’s largest comparison platform for credit products India’s largest ~19 Lacs credit score awareness initiative Avg Monthly Enquiries ~₹28 k Cr (credit products) ^ Loan disbursals ARR* ~5.3 Cr ~15 Lacs Credit Score Consumers ~4 Lacs Transactions ARR* till date Credit Cards issued ARR
Slide 85: Offering consumers wide choice & ease of comparison
Offering consumers wide choice & ease of comparison Solving structural problems by keeping consumer at the core Consumer Pain-points Paisabazaar Advantage Transparent & Neutral Comparison Difficult to find best offer Credit offers from 70+ partners Relevant Offers Rank-ordered Lack of transparency,
Slide 86: India's Platform of Choice for credit needs
Evolved as India’s Platform of Choice for credit needs Independent, unbiased & transparent platform with E2E assistance Best offers always, including Bank Pre-approved offers Industry-first SmartMatch algo to help find most relevant offers >16%* of India’s active credit score^ consumers on Paisabaza
Slide 87: Large & underpenetrated retail lending market
Large & underpenetrated retail lending market; digital growing faster India is a large Consumer Credit Market#.. With an increasing share of Digital* 40% 22% 18 Lac Cr 2 Cr 10 Lac Cr Secured Loans Credit Cards issued Unsecured Loans disbursed (Annualized) disbursed (Annualized) 12% (Annualized) FY22
Slide 88: Secured lending driving disbursal growth
Secured lending driving disbursal growth; moderation in unsecured & cards Disbursals (₹ Cr) [Core+ New Initiatives] Credit cards issuance (k) Core New Initiatives 7,003 140 134 96 90 3,542 3,140 COVID 2,320 41 year COVID 1,491 year 984 12 110 1 Q1-FY20 Q1-FY21 Q1-FY22 Q1-FY23 Q1-FY24 Q1-FY25 Q1-FY26
Slide 89: Pillars that would help us compete, differentiate & win
Pillars that would help us compete, differentiate & win Initiatives like Credit Go deeper in Building a holistic Deepen Scaling Secured Premier League to Unsecured financial wellness engagement, deliver Credit Credit platform take the Brand to impactful CX Bharat • Strengthening D2C • Diverse produc
Slide 90: Going deeper into unsecured to offer seamless CX
Going deeper into each aspect of unsecured to offer seamless CX Full control on Process: Fraud Avoidance & Risk Mgmt: • Own E2E process (Digital/phygital/physical) • Block/restrict riskier segments • Real-time tracking • Focus on fraud-avoidance Deepen consumer engagement in Cards Enhance Co-created
Slide 91: Responsible lending
Responsible lending Collaborating with ecosystem to detect fraud early, manage risk 1. Review performance of various segments diligently 2. Building ML based fraud detection models in collaboration with key partners with the partners • Capturing & implementing best practices Example Partner • Partne
Slide 92: Responsible lending: Assessment
Responsible lending Aim to be the platform for fraud-avoidance & sustainable risk Combining parameters from different sources Application Behaviour Fraud Reporting Bureau parameters Fintech Ecosystem Tracking • Source of visit • PB consolidated list of • Bureau Tradeline • Partnering with • Applicat
Slide 93: Strengthening focus on the large secured credit market
Strengthening focus on the large secured credit market… Secured Loans is a large market… ... With ~15 Lac Cr* market disbursal size Home Loans 10 Lakh Cr. Secured Loans: ~60% of TAM Loan against property 4 Lakh Cr. Loan against car 70,000 Cr. *Management estimates 93
Slide 94: Investing in fulfillment & digital capabilities in Secured Credit
Investing in fulfillment & digital capabilities to build scale in Secured Credit Scaling Secured Credit PB Connect Strengthening D2C play through phygital A tech platform to bring in digitization, efficiency • Wide & deep partnerships across PSUs, Pvt Banks, • Streamline processes from HFCs etc appl
Slide 95: Building a comprehensive financial wellness platform
Building a robust, comprehensive financial wellness platform FDs, Bonds & PB money adding to comprehensive product suite Building Investments - Bonds & FDs ⮚ Option to invest in Corporate Bonds ⮚ Launched FDs with Banks, SFBs & NBFC ⮚ Opening Govt Securities & Baskets Delivering Deep Insights with P
Slide 96: Credit Score platform backbone of consumer engagement
Credit Score platform continues to be the backbone of consumer engagement Enabled 5.3 Cr consumers to be credit aware Access to credit score from all FREE for Life with monthly updates 4 Credit Bureaus Digital process enabling 7 Languages Vernacular focus ease of access English ह िं दी मराठी ಕನ್ನ ಡ
Slide 97: Credit Score Platform
Credit Score Platform Helping consumers get actionable insights to track, manage & improve score 5.3 Cr consumers accessed credit score Understand your Help track score Insights on score Report changes change 5.3 4.3 3.5 2.73 2.15 1.75 0.91 0.36 0.04 1.84 Lacs new transactions in Q1 by consumers to
Slide 98: Driving business transformation through AI
Driving business transformation through AI: experience, efficiency & risk control ➢ AI Video Credit Report Customer Experience ➢ AI Based Chat ➢ AI Selfie in CPL ➢ Personalized Marketing Smart Marketing ➢ Channel Propensity Models ➢ AI Generated Nudges ➢ BRE (Business Rule Engine) Risk Models Enterp
Slide 99: New campaign CPL sees 4 million+ consumers in 4 weeks
New campaign CPL sees participation from 4 million+ consumers in 4 weeks Chetan Bhagat, Author Ranveer Allahbadia, Podcaster Bhawani Singh Pathania, MLA CA Rachana Ranade, Influencer Over 4 Million Participants 710 Cities Covered 4.5 Lacs new acquisition 99
Slide 100: Taking CPL to Bharat through social media buzz
Taking CPL to Bharat through high impact social media buzz Multi-Channel Marketing Strategy Influencer Collaborations: ● 35+ key creators across social platform ● A 10-day exhaustive Influencer Campaign ● Coverage in multiple vernacular languages Campaign Performance: 24mn Impressions | 20mn Reach |
Slide 101: Credit Champion Contest
Credit Champion Contest: Building Internal Credit Awareness App-only contest across Paisabazaar, Policybazaar, PB Partners Participation from 10,000+ employees across 15+ locations Included all departments including sales, ops, tech, and support teams Reinforced the idea that credit awareness begins
Slide 102: New initiatives
New initiatives
Slide 103: PB Partners: Sustained market leadership
PB Partners Sustained market leadership & Increasing efficiency ➢ PBPartners.com is a platform for independent sellers of Insurance and other financial products Zone wise Share of business ➢ Enable sellers to sell across Products and Suppliers via an app ➢ Tech based platform for Research, Issuance,
Slide 104: PB Partners: A win-win for all stakeholders
PB Partners A win-win for all stakeholders of the ecosystem Benefit to Benefit to Benefit to Insurer Partners Network Agents / Seller Partners Consumers • Insurer partner gets to deal with one • Higher earning avenue: Larger range • Personalized offerings from the entity instead of multiple agents o
Slide 105: PB Partners: First-in-industry tech initiatives
PB Partners First-in-industry tech initiatives Improving the breadth of product offerings, supported by sales training 105
Slide 106: PB Partners: Lifecycle management
PB Partners First-in-industry tech initiatives Simplified Consumer Life cycle management using the platform 106
Slide 107: PB Partners: Self-help features
PB Partners First-in-industry tech initiatives Self-help features: Endorsements, Cancellations & Refunds 107
Slide 108: PB Partners: App for operational support
PB Partners A full-fledged app for operational support Service request on the phone – Get Service request on the phone Policy Motor renewals – One click pay 108 108
Slide 109: PB Partners: Relationship Manager for 24*7 support
PB Partners Relationship Manager for 24*7 support SVRM (Secondary Virtual Relationship Manager) Tech-based initiative Dedicated 24*7 support for seller partners • Payout Queries • Pre-inspections • Endorsement Assistance • Quotation Management • CJ & KYC Support • Claims Resolution Improves operatio
Slide 110: PB Partners: Experience Centers
PB Partners Enabling & up-skilling the Seller partners through Experience Centers Experience Centers to offer training, development & upskilling opportunities to our seller partners Aarambh A training program for newly recruited partners on Primary BU & Cross-sell opportunities Saksham An exclusive
Slide 111: PB Partners: Awards & Recognition
PB Partners Awards & Recognition Stars of the Industry Awards for Excellence & Leadership in BFSI Global Marketing Excellence Insurtech of the Year 2024 - 2025 UBS Forum - 19th Edition Future Awards 2024 of Learning & Development Summit & Awards 2025 Marketing Excellence in BFSI Sector for On-Demand
Slide 112: PB for Business: Corporate Insurance grew 11x
PB for Business Corporate Insurance grew 11x in 4 years Corporate plans include both Employee benefit policies such as Group Term & Group Health insurance and Property & Liability coverage Insurance Premium (₹ Cr) 11x FY22 FY26 One app for all services Q1 Q1 Claims management, cashless OPD services
Slide 113: PB for Business: Tech-based solution for corporates
PB for Business Tech-based solution for all corporates (employers & employees) App designed to enable employers (corporates) for policy management / administration Employee benefits accessible on the app for employees HR Portal WhatsApp Bot Facilitating efficient employee insurance enrolment & manag
Slide 114: UAE Operations: Premium grew 15x
UAE Operations Premium grew 15x times Focus on Health and Life Insurance Premium (₹ Cr) Started operations in FY19 insurance Current ARR ₹ 1,428 Cr* Other Financial products also on the same platform Leadership position Loans (Personal, Mortgage, Car), Credit Cards & Bank Accounts Continued focus on
Slide 115: UAE Operations: Co-created products
UAE Operations Enhancing the value proposition: Co-created products Co-created products exclusively tailored for NRIs Cross-border coverage: providing coverage in both UAE and India Cashless Claims for Free Annual Health No Claim Bonus AED 1 Million in Check-up both UAE & India Port the policy in Au
Slide 116: UAE Operations: Claims Assistance for motor
UAE Operations Enhancing the value proposition: Claims Assistance for motor Insurance Claims Assurance Program “Claim Your Calm” 116
Slide 117: UAE Operations: Fraud prevention
UAE Operations Enhancing the value proposition: Fraud prevention Assisting insurance partners with fraud prevention Using real-time transaction monitoring, risk assessment, & regulatory compliance 117 117
Slide 118: UAE Operations: Awards & Recognition
UAE Operations Awards & Recognition The Middle East Leadership UAE Business Awards 2025 - MEA Awards 2025 Markets Sukoon Insurance Broker of the Year (Mid-Year Awards) Digital Insurance Pioneers of the Year Top Performing Broker - Overall Insurtech of the Year Consumer Client Service Excellence Awar
Slide 119: END
END For any queries please email: investor.relations@pbfintech.in PB Fintech Limited Plot 119, Sector 44 Gurugram Haryana 122001