Slide 1: Exchange filing cover letter for Q1 FY27 earnings presentation
August 08, 2026 To, The Manager Department of Corporate Compliance National Stock Exchange of India Limited, Exchange Plaza, Bandra Kurla Complex, Bandra (East), Mumbai — 400051. SCRIP SYMBOL: RNFI Sub: Earnings Presentation on Unudited Financial Results (Standalone and Consolidated) for the Quarter
Slide 2: Trusted Force Multiplier for Indian BFSI and More
TRUSTED FORCE MULTIPLIER FOR INDIAN BFSI AND MORE RNFI SERVICES LIMITED RNFI Services Limited | Investor Presentation Q1 FY27
Slide 3: Obligatory Disclosure
OBLIGATORY DISCLOSURE This presentation, along with the accompanying slides (collectively referred to as the “Presentation”), has been created by RNFI Services Limited (the “Company”) solely for informational purposes. It does not constitute an offer, recommendation, or invitation to buy or subscrib
Slide 4: Management Comments
MANAGEMENT COMMENTS As we had discussed earlier, Insurance and delinquent loan collection are two key growth engines for this year which continue to show strong traction, though their revenue contribution is still ramping up. Q3 and Q4 remain the strongest quarters for both segments, and we expect a
Slide 5: Vision & Roadmap
VISION & ROADMAP VISION ROADMAP SCALE TRUST RESILIENCE From the very beginning, our vision has been to build a company We aim to bridge cutting-edge technology with financial inclusion, capable of scaling massively, earning unwavering trust, and driving transformative growth while maintaining the hi
Slide 6: Highlights Summary (Q1 FY27 vs Q1 FY26)
HIGHLIGHTS SUMMARY (Q1 FY27 VS Q1 FY26) GROSS PROFIT EBITDA PAT REVENUE 43.4 Cr. 11.5 Cr. 5.1 Cr. 269.9 Cr. 15% (10)% 12% EBITDA MARGIN PAT Margin (NET) 8% 4.3% 1.9% (17)% (19)% Q1 FY27 VS Q1 FY26 KEY DRIVERS BEHIND PERFORMANCE REVENUE GROSS PROFIT STRATEGIC GROWTH IMPROVEMENT INVESTMENTS Expanded t
Slide 7: Three Interconnected Engines. One Exponential Growth.
THREE INTERCONNECTED ENGINES. ONE EXPONENTIAL GROWTH. SAHAYAKS PARTNER More Products TECH Integrated Tech Per Sahayak 1 1 Deeper Reach Vintage+Trust= More Better 4 2 4 2 RNFI + Lower Cost Strategic Stickiness Sahayaks earnings 3 3 SAHAYAKS PARTNER Higher LTV More Products Per Partner More Sahayaks M
Slide 8: End-to-End AI Integrated Platform
END-TO-END AI INTEGRATED PLATFORM RNFI SERVICES LIMITED | Q1 FY27
Slide 9: Granular Product Portfolio
GRANULAR PRODUCT PORTFOLIO Asset BC Connected Payment Banking Orchestration Suite Suite UPI Cash Withdrawal Mutual Funds Foreign EMI Travel Exchange Collections Delinquent Insurance Loan Foreign Broking Collection Remittances Service RNFI SERVICES LIMITED | Q1 FY27
Slide 10: Product Portfolio Positioning
PRODUCT PORTFOLIO POSITIONING Delinquent Collections Foreign Low volume • High margin Remittances High volume •High margin Expand high-margin recurring and scalable businesses Insurance Broking Low volume • High margin Scales per client High volume •High margin Scale API platform through client acqu
Slide 11: Major Events
MAJOR EVENTS SETUP Established regional Learning & Development centers to enhance training, capability building and execution excellence. TIE UP TIE UP CRA tie up with Expanded the RNFI Money with a large Private Sector Bank. portfolio through a strategic partnership with Yatra.com. LICENSE EMPANELM
Slide 12: Addition to Our Leadership
ADDITION TO OUR LEADERSHIP “Strategic Investment for Future Growth” Sameer Nagpal Kuldeep Pawar Harpreet Singh Virender Kumar GROUP CHIEF GROUP CHIEF DIRECTOR DIRECTOR OPERATING OFFICER MARKETING OFFICER DISTRIBUTION SALES With extensive experience across financial With 18+ years of experience acros
Slide 13: Directors & Management
DIRECTORS & MANAGEMENT Ranveer Simran Rahul Kirandeep Deepankar Avtar Singh Khyaliya Singh Srivastava Singh Aggarwal Monga Chairman & 11 Founder & Chief 11 Executive 5 Executive 5 Executive 10 Managing Director Strategy Officer Director Director Director Independent 2 Director Krishna Sameer Nimesh
Slide 14: Sahayaks Granularity (The Network)
SAHAYAKS GRANULARITY (THE NETWORK) Sahayaks Granularity (The Network) 221 Jammu & Kashmir 334 Himachal Pradesh 6941 75 Punjab ChandigarhU 390 tta ra 5832 kh an d 2733 38 Haryana Delhi Sikkim Arunachal 34 Pradesh 30326 9557 4629 2.4 L+ 36294 72 Uttar Pradesh 81 Assam Rajasthan Nagaland Bihar Meghalay
Slide 15: Growth Levers
GROWTH LEVERS Currently ~12% of revenue, at net Originated as a contrarian move margins of 12-15% during COVID, when the rest of the industry was expanding lending rather Insurance has been identified than preparing for delinquency AMFI registration has already been secured internally as a priority
Slide 16: Q1 FY27 Highlights
Q1 FY27 HIGHLIGHTS TRUSTED FORCE MULTIPLIER FOR INDIAN BFSI AND MORE
Slide 17: Active Sahayaks & Product Cross Sold
ACTIVE SAHAYAKS & PRODUCT CROSS SOLD Q1 FY26 Q1 FY27 1 PRODUCT 91024 65801 (27.7)% 2 PRODUCTS 41706 35768 (14.2)% 3 PRODUCTS 18697 19734 6% 4+ PRODUCTS 15689 21445 36% Total 167116 142748 (14.6)% RNFI SERVICES LIMITED | Q1 FY27
Slide 18: Product Countwise Partners
PRODUCTS CROSS SELL TOTAL NUMBER OF CLIENTS (AGE-WISE) CROSS SELL Q1 FY27 140 106 Added in FY27 9 Till FY26 FY26 130 Product countwise Partners Number of Partners FY25 82 FY24 54 97 24 FY23 30 10 24 1 FY22 17 9 1 2 3+ FY21 55 5 Number of Products RNFI SERVICES LIMITED | Q1 FY27
Slide 19: ARPU/Month (in ₹)
ARPU Q1 FY27 VS Q1 FY26 AVERAGE REVENUE PER SAHAYAK (ARPU/MONTH) 27.9% 1946 ARPU/Month (in ₹ ) 1522 Q1 FY26 Q1 FY27 RNFI SERVICES LIMITED | Q1 FY27
Slide 20: Financial Highlights - Q1 FY26 vs Q1 FY27
FINANCIAL HIGHLIGHTS- Q1 FY26 VS Q1 FY27 INR in Cr. NON-FOREX FOREX OVERALL PERFORMANCE Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Q1 FY26 Q1 FY27 Revenue 100.6 114.8 149.0 155.1 249.6 269.9 Gross Profit 35.8 41.7 2.0 1.7 37.8 43.4 Gross Profit Margin 35.6% 36.3% 1.3% 1.1% 15.1% 16.1% EBITDA 12.1 11.3 0.7 0.2
Slide 21: Let's Grow Together
LET’S GROW TOGETHER For any further queries please contact; Mr. Mohit Chauhan/ Ms. Palak Agarwal Company Secretary/ Investor Relations cs@rnfiservices.com/ palak@twentyeighthconsulting.com RNFI Services Limited | Investor Presentation Q1 FY27