Slide 1: Exchange filing cover letter
February 11, 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 Un-Audited Financial Results (Standalone and Consolidated) for the Thir
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 Q3 & 9M FY26
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 We continued to strengthen our position, We saw meaningful gains in efficiency, process supported by improved execution discipline optimization, and service reliability across and focused business expansion. businesses. Automation of workflows, tighter reconciliation controls, an
Slide 5: Vision & Roadmap
VISION & ROADMAP From the very beginning, our vision has been to build a company capable of scaling massively, earning unwavering trust, and demonstrating resilience through every challenge. We draw inspiration from the leadership and legacy of India’s finest visionaries — VISION Sir Mukesh Ambani,
Slide 6: Highlights Summary (9M FY26 vs 9M FY25)
HIGHLIGHTS SUMMARY (9M FY26 vs 9M FY25) Non Forex Net PAT Revenue Gross Profit EBIDTA EBIDTA PAT PAT Margin Margin 729.3 Cr. 134.1 Cr. 46 Cr. 24.1 Cr. 6.9% 3.3 % 3.8% 40.4% 46.9% 63.3% 56.3% 57.3% KEY TAKEAWAYS Our focus remains on margin-led growth, scaling tech platforms, and building future-ready
Slide 7: Corporate Governance
CORPORATE GOVERNANCE All Promoters Board of Promoter group A seasoned Being SME Listed In a demonstration Regular and of strong belief in shares pooled in Directors consist family owned management Entity we are timely RNFI's long-term a Trust to of 4 Independent 12.7% of shares board with required t
Slide 8: Business Model and Products
BUSINESS MODEL AND PRODUCTS FRM* Module Corporate Sales Team Payments Orchestration Value Driven Others Scouting for New MULTIPLE PRODUCTS Clients/Products Delinquent Corporate Connected Loan Verification Business Banking Collections Stack Correspondent Compliance Foreign Digital Aadhaarpay Middlewa
Slide 9: Major Events
MAJOR EVENTS AD II License approval for RNFI Money Pvt Ltd from RBI RNFI Services Ltd Appointed as Corporate Recovery Agent for Bank of India RNFI Services Ltd Appointed as Recovery Agency for Punjab National Bank HIGH’s 6 New Branches approved for RNFI Money Pvt Ltd from RBI 2 Additional Branches a
Slide 10: Directors & Management
DIRECTORS & MANAGEMENT Chairman & Founder & Chief Executive Executive Managing Director 11 11 5 5 Strategy Officer Director Director Ranveer Khyaliya Simran Singh Rahul Srivastava Kirandeep Singh Executive Chief Executive Chief Financial Chief Operating 10 2 6 11 Director Officer Officer Officer Dee
Slide 11: Q3 & 9M FY26 Highlights
Q3 & 9M FY26 HIGHLIGHTS TRUSTED FORCE MULTIPLIER FOR INDIAN BFSI AND MORE H1 FY’26 Investor Presentation RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Slide 12: Active Sahayaks & Product Cross Sold
ACTIVE SAHAYAKS & PRODUCT CROSS SOLD ACTIVE SAHAYAKS COMPARISON 9M FY25 9M FY26 No. of Products Cross Sold 8% 220648 1 PRODUCT 98,502 1,11,664 194356 2 PRODUCTS 50,972 55,670 3 PRODUCTS 24,145 26,664 4+ PRODUCTS 20,737 26,650 9M FY25 9M FY26 RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Slide 13: Average Revenue per Sahayak (ARPU/Month)
AVERAGE REVENUE PER SAHAYAK (ARPU/MONTH) 9M FY25 vs 9M FY26 AVERAGE REVENUE PER SAHAYAK (ARPU/MONTH) 0.6% 1175 1183 ARPU/Month (in ₹ ) The ARPU of 9M FY26 is calculated by adding Payworld's Active Sahayak Count. 9M FY25 9M FY26 RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Slide 14: Products Cross Sold
PRODUCTS CROSS SOLD AGEING WISE CLIENTS 84 116 9M FY26 Added in 9M FY26 22 Till FY25 82 Product countwise Clients FY25 Total Number of Clients Number of Clients 54 FY24 62 23 30 FY23 11 9 1 17 FY22 12 8 1 2 3+ 5 FY21 Number of Products RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Slide 15: Financial Highlights - 9M FY25 vs 9M FY26
FINANCIAL HIGHLIGHTS - 9M FY25 vs 9M FY26 INR in Cr. NON-FOREX FOREX OVERALL PERFORMANCE 9M FY25 9M FY26 9M FY25 9M FY26 9M FY25 9M FY26 Revenue 319.6 347.3 382.8 381.9 702.4 729.3 Gross Profit 90.1 129.4 5.4 4.7 95.6 134.1 Gross Profit Margin 28.2% 37.3% 1.4% 1.2% 13.6% 18.4% EBITDA 29.9 45.2 1.4 0
Slide 16: Financial Highlights - 9M FY26
FINANCIAL HIGHLIGHTS - 9M FY25 vs 9M FY26 INR in Cr. 729.3 134.1 46 24.1 9M FY26 3.8% 40.4% 46.9% 63.3% Revenue Gross Profit EBIDTA PAT *Revenue remained largely flat due to a decline in DMT volumes (a high-volume, low-margin business), which was offset by growth in higher-margin business. RNFI Serv
Slide 17: Financial Highlights - Q3 FY25 vs Q3 FY26
FINANCIAL HIGHLIGHTS - Q3 FY25 vs Q3 FY26 INR in Cr. NON-FOREX FOREX OVERALL PERFORMANCE Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 Revenue 112.6 126.6 131.6 131.2 244.3 257.8 Gross Profit 34.2 50.1 1.7 1.6 35.9 51.6 Gross Profit Margin 30.4% 39.6% 1.3% 1.2% 14.7% 20% EBITDA 11.6 17.4 0.3 0.1 1
Slide 18: Financial Highlights - Q3 FY26
FINANCIAL HIGHLIGHTS - Q3 FY25 vs Q3 FY26 INR in Cr. 257.8 51.6 17.5 9.5 Q3 FY26 5.6% 44% 46.4% 59.4% Revenue Gross Profit EBIDTA PAT *Revenue remained largely flat due to a decline in DMT volumes (a high-volume, low-margin business), which was offset by growth in higher-margin business. RNFI Servic
Slide 19: Let's Grow Together
LET’S GROW TOGETHER RNFI Services Limited | Investor Presentation Q3 & 9M FY26