Religare Enterprises Limited · NSE:RELIGARE

Religare Enterprises — Q1 FY2027 Earnings Presentation

37 slides from Religare Enterprises's earnings presentation, Aug 12, 2026

  1. Slide 1: Exchange filing cover letter for earnings call presentation

    August 12, 2026 The National Stock Exchange of India Ltd BSE Limited Corporate Communications Department Corporate Services Department “Exchange Plaza”, 5th Floor, Phiroze Jeejeebhoy Towers Bandra-Kurla Complex, Bandra (East), Dalal Street, Mumbai – 400051 Mumbai – 400001 Scrip Symbol: RELIGARE Scri

  2. Slide 2: Religare Enterprises Limited Investor Presentation Q1 FY2027

    Religare Enterprises Limited INVESTOR PRESENTATION | Q1 FY2027 | August 2026 1

  3. Slide 3: Disclaimer

    Disclaimer This presentation has been prepared by and is the sole responsibility of Religare Enterprises Limited (together with its subsidiaries, referred to as the “Company”). By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presentation does not const

  4. Slide 4: Table of Contents

    Table of Contents 01 Religare Enterprises Limited (REL) – Business Overview 02 Religare Broking Limited – Business Overview 03 Religare Finvest Limited – Business Overview 04 Religare Housing Development Finance Corporation Limited – Business Overview 05 Care Health Insurance Limited – Business Over

  5. Slide 5: Religare Enterprises Limited (REL)

    Religare Enterprises Limited (REL) A diversified portfolio of insurance and financial services business INSURANCE BUSINESS FINANCIAL SERVICES BUSINESS Focused on self-employed and NBFC with 15+ years of informal segment in semi- India’s 2nd Largest SAHI Full-service Broker operations in MSME lending

  6. Slide 6: Key Leadership Appointments

    Key Leadership Appointments Strengthening leadership across our businesses to drive growth and create long term value Mr. Arjun Lamba Mr. Ajay Kumar Shah Mr. Manish Vishnu Dodeja Managing Director Managing Director & CEO Executive Director Religare Enterprises Ltd. Care Health Insurance Ltd. Care He

  7. Slide 7: REL – Q1 FY27 Executive Summary

    REL – Q1 FY27 Executive Summary Q1FY27 Consolidated Highlights Revenue Profit after Tax Net Worth * Cash & Cash Equivalents Rs. 2,358.4 Cr Rs. (46.9) Cr Rs.3,061.9 Cr Rs. 378.3 Cr 26% YoY Growth | Rs. 1,876.3 Cr n.m. YoY Growth | Rs. 8.1 Cr 20% YoY Growth | Rs. 2,553.4 Cr 170% YoY Growth | Rs. 140.1

  8. Slide 8: REL – Income Statement (Consolidated)

    REL – Income Statement (Consolidated) Particulars (Rs. Cr) Q1FY27 Q1FY26 Q4FY26 FY26 FY25 Interest Income 244.73 199.54 260.69 913.54 714.64 Dividend Income 3.32 1.23 2.66 6.41 4.73 Fee and Commission Income 0.75 4.18 2.09 8.54 15.01 Net Gain on Fair Value Changes 44.16 9.46 - - 1.35 Sale of Service

  9. Slide 9: REL – Segment Reporting (Consolidated)

    REL – Segment Reporting (Consolidated) Q1FY27 Particulars (Rs. Cr) Insurance Financial Services Unallocated Total Revenue (1) 2,229.74 133.13 1.33 2,364.20 Segment Performance (2) (87.26) 13.27 (2.74) (76.73) Assets 12,822.04 2,433.51 29.93 15,285.48 Liabilities 10,070.69 1,018.92 103.69 11,193.30 F

  10. Slide 10: REL – Income Statement (Standalone)

    REL – Income Statement (Standalone) Particulars (Rs. Cr) Q1FY27 Q1FY26 Q4FY26 FY26 FY25 Revenue from Operations Interest Income 1.67 - 1.27 1.96 5.17 Net Gain on Fair Value Changes 0.30 0.21 0.04 1.02 0.00 Other Operating Income Other 0.55 0.03 0.45 1.25 1.09 Total Revenue from Operations 2.52 0.24

  11. Slide 11: Religare Broking Ltd. – Business Overview

    Religare Broking Ltd. – Business Overview 10

  12. Slide 12: Religare Broking Limited (RBL)

    Religare Broking Limited (RBL) Strong foothold to drive growth Assets Under Custody Product Offerings Revenue Mix Business Channels Presence (AUC) 7% Brokerage Broking E-Gov. Retail Broking I Depository  Branches North (28%) North (36%) I Investment Products I 16% 47% Interest  Business Partners R

  13. Slide 13: Religare Broking – Key Financial Strengths

    Religare Broking – Key Financial Strengths (Rs. Cr) Total Income (1) Revenue Mix (1) 99.5 Brokerage Interest Others 94.1 98.7 89.6 91.0 25% 21% 24% 23% 31% 31% 33% 31% 30% 25% 44% 44% 46% 45% 47% Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Sustained Revenue Growth

  14. Slide 14: Religare Broking – Key Financial Strengths

    Religare Broking – Key Financial Strengths Avg. Daily Turnover (ADTO) - Cash Avg. Daily Turnover (ADTO) - Derivatives (Rs. Cr) (Rs. Cr) 375 11,860 334 11,247 10,211 9,623 9,782 301 274 276 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cash Trading Volumes Grew in Li

  15. Slide 15: Religare Broking – Income Statement

    Religare Broking – Income Statement Particulars (Rs. Cr) Q1 FY27 Q1 FY26 Q4 FY26 FY26 FY25 Brokerage 47.3 41.8 43.9 167.0 186.9 E-Governance Income 9.2 8.8 10.1 36.3 32.0 Interest Income 29.8 23.3 30.6 112.3 103.1 Other operational revenue 13.3 20.2 14.0 57.8 60.7 Total Income 99.5 94.1 98.7 373.4 3

  16. Slide 16: Religare Broking – Growth Drivers

    Religare Broking – Growth Drivers Increase Traded Clients Improve Platform & Products Grow Non-Broking Revenue Process-Led Execution Improve client connect and add Upgrade the trading platform and Grow MTF Book to boost interest Process Re-engineering: Optimize more products to increase client mobil

  17. Slide 17: Religare Finvest Ltd. – Business Overview

    Religare Finvest Ltd. – Business Overview 16

  18. Slide 18: Religare Finvest Limited (RFL)

    Religare Finvest Limited (RFL) Rebuilding a Credible, Capital-Ready Lender Net AUM Collection Efficiency PAT Net Owned Fund (NOF) Rs. 53.1 Cr ~98% Rs 15.1 Cr Rs 837.8 Cr MULTI-STATE PRESENCE KEY PROPOSITION Q1 FY27 HIGHLIGHTS De-risking of Balance Sheet  Robust capital position with tangible net wo

  19. Slide 19: RFL – Key Ratios

    RFL – Key Ratios (Rs. Cr) Total Income (Rs. Cr) PAT Collection Efficiency (Standard Book) 42.8 89.0 39.6 99.2% 98.3% 21.0 98.0% 19.3 97.7% 97.7% 14.4 30.8 17.9 15.1 1.2 Q1 FY26 Q2 FY26 Q3 FY26 Q4FY26 Q1FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1FY27 Q1 FY26 Q2 FY26 Q3 FY26 Q4FY26 Q1FY27 Impact due to lo

  20. Slide 20: RFL – Income Statement

    RFL – Income Statement Particulars (Rs. Cr) Q1 FY27 Q1 FY26 Q4 FY26 FY26 FY25 Interest Income 13.6 18.3 40.6 106.7 66.4 Other Operating Income 0.1 0.5 0.8 2.5 4.8 Finance Costs (0.2) (0.2) (0.2) (1.0) (1.3) Net Interest Income 13.5 18.6 41.1 108.2 69.9 Other Income 0.7 0.5 1.5 13.7 5.5 Net Total Inc

  21. Slide 21: Religare Housing Development Finance Corporation Ltd – Business Overview

    Religare Housing Development Finance Corporation Ltd – Business Overview 20

  22. Slide 22: Religare Housing Development Finance Corporation Limited (RHDFCL)

    Religare Housing Development Finance Corporation Limited (RHDFCL) Affordable Housing Specialist within REL Ecosystem Credit Rating Product Mix Customer Mix AUM LTV CRAR LT – ICRA BBB-(Stable) HL – 66% Salaried – 44% Rs. 247 Cr >50% 121% CARE BBB-(Stable) LAP – 34% SENP – 56% ST – ICRA A3 PAN-INDIA P

  23. Slide 23: RHDFCL – Foundation for Scalable Growth

    RHDFCL – Foundation for Scalable Growth Strong Structural Growth Drivers Customer Focused Experienced Management Team  Affordable housing market growing at  Focused on self employed informal  Seasoned leadership team with extensive ~20% CAGR (1) segment in Tier-2 and beyond housing finance expert

  24. Slide 24: RHDFCL – Key Ratios

    RHDFCL – Key Ratios Total Income Portfolio Yield AUM (Rs. Cr) (Rs. Cr) 14.9% 15.0% 15.0% 15.3% 248.0 7.8 14.6% 247.1 7.2 7.4 7.0 7.4 244.3 243.2 241.1 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Continued stability in top line performance

  25. Slide 25: RHDFCL – Income Statement

    RHDFCL – Income Statement Particulars (Rs. Cr) Q1FY27 Q1FY26 Q4FY26 FY26 FY25 Interest Income 7.10 6.91 7.71 28.48 30.1 Interest Expenses (0.41) (0.09) (0.36) (0.78) (1.0) Net Interest Income (NII) 6.69 6.82 7.35 27.70 29.1 Fees and other charges 0.22 0.19 0.26 0.93 1.2 Other Income 0.52 0.21 0.20 0

  26. Slide 26: Care Health Insurance Ltd. – Business Overview

    Care Health Insurance Ltd. – Business Overview 25

  27. Slide 27: Care Health Insurance Limited (Care)

    Care Health Insurance Limited (Care) India’s Leading Standalone Health Insurer GWP Investment Book Market Share Rs. 3,247 Cr ~ Rs. 11,751 Cr 24% share in SAHI segment DISTRIBUTION REACH KEY PROPOSITION Q1 FY27 HIGHLIGHTS 2nd Largest SAHI  GWP stood at Rs. 3,247 Cr in Q1 FY27, registering a Overall

  28. Slide 28: Care – Q1FY27 Performance

    Care – Q1FY27 Performance Maintaining leadership with Strong Premium Growth Vis-à-vis Industry Robust growth traction in premiums Strong Retail market share (Rs. Cr) 11,417 9,223 19.7% 21.3% 37% y-o-y 18.8% 16.8% 7,022 11.6% 12.6% 9.4% 10.8% 3,247 2,375 FY24 FY25 FY26 Q1 FY26 Q1 FY27 FY24 FY25 FY26

  29. Slide 29: Care – Q1FY27 Investment Portfolio Overview

    Care – Q1FY27 Investment Portfolio Overview Scaled investment book while maintaining stable yields and a high-quality portfolio Investment AUM Gross Debt Yield (Annualized) 93% Invested in Leverage Ratio Rs. 11,751 Cr 7.3% Bonds & Govt Securities 4.3x AUM GROWTH & YIELD TREND (1) INVESTMENT PORTFOLI

  30. Slide 30: Care – Key Metrics

    Care – Key Metrics Retail GWP (without 1/n Basis) Claims Paid & Count of Claims paid Grievances / 10K policies 3.8 lakhs 4.4 lakhs (Rs. Cr) (Units) 2,048 Rs.1,762 0.70 Rs.1,279 Cr 1,416 Cr 0.28 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Count of claims paid Renewal Rate for Retail Health Indemnity Cl

  31. Slide 31: Care – Digital Transformation

    Care – Digital Transformation Building a seamless, digital first healthcare experience 99.9% 44 96% New Policies Products Available Automated Policy Applied Digitally Renewals 99.9% 74 85% Fresh Digital Premium Cashless Claims Cashless Claims processed in Collection NPS < 30 Minutes 30

  32. Slide 32: Care – Customer App: One App. Whole Health

    Care – Customer App: One App. Whole Health App Installation Monthly Active Users Health Offering Wellness Offering (# in mn) (# in Lakhs) 14.0 12.5 13.2 12.0 11.0 8.4 8.0 Online Medicines Activity Tracker 4.7 FY24 FY25 FY26 Q1FY27 FY24 FY25 FY26 Q1FY27 Health Check-ups & Curate Product offering Home

  33. Slide 33: Care – Financial Profile

    Care – Financial Profile Particulars (Rs. Cr) Q1FY27 Q1FY26 FY26 FY25 Gross Written Premium (1) 3,247 2,375 11,417 9,223 Profit Before Tax (2) 163 102 519 388 Claims Ratio % 68.2% 68.0% 66.2% 66.8% Expense Ratio % 34.5% 35.0% 34.9% 35.3% Ind AS Combined Insurance Service ratio % 102.7% 103.0% 101.1%

  34. Slide 34: Care – P&L IND AS

    Care – P&L IND AS Particulars (Rs. Cr) Q1FY27 Q1FY26 Insurance revenue (A) 2,947 2,298 Incurred Claims and Expense (B) 2,008 1,562 Amortised Insurance Cost (C) 862 679 Net expenses/income from Insurance and reinsurance contracts (D) 79 70 Insurance service result(E=A-B-C-D) (3) (13) Investment incom

  35. Slide 35: Care – Income Statement

    Care – Income Statement Particulars (Rs. Cr) Q1 FY27 Q1 FY26 Q4 FY26 FY26 FY25 Gross Written Premium (GWP) 3,028 2,136 3,245 10,416 8,562 Net Earned Premium (NEP) 1,979 1,581 2,133 7,256 6,347 Investment Income 202 162 186 693 540 Profit Before Tax (131) (19) 107 18 208 Profit After Tax (98) (15) 79

  36. Slide 36: Abbreviations

    Abbreviations Abbreviation Full Form / Description ADTO Average Daily Turnover AHFC Affordable Housing Finance Company AI/ ML Artificial Intelligence/ Machine Learning ALM Asset Liability Management AUC Assets Under Custody AUM Assets Under Management BMI Body Mass Index BSE BSE Limited (formerly Bo

  37. Slide 37: Thank You

    THANK YOU ! Religare Enterprises Limited Investor Relation Advisors – Adfactors PR Private Limited Ms. Hanishi Shah| +91 9619059339 investor.relations@religare.com hanishi.shah@adfactorspr.com |teamreligare@adfactorspr.com Website – https://www.religare.com Website – www.adfactorspr.com 36

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