Choice International Limited · NSE:CHOICEIN
Choice International — Q1 FY26 Earnings Presentation
45 slides from Choice International's earnings presentation, Jul 21, 2025
Slide 1: Cover letter to exchanges: Investor Presentation
Choice The Joy of Earning REF: CIL/CC/38/2025-2026 July 21, 2025 To, To, The Department of Corporate Services, The Department of Corporate Services, The BSE Limited, The NSE Limited P.J. Towers, 5% Floor, Exchange Plaza Dalal Street, Plot No. C/ 1, G Block, Mumbai- 400 001 Bandra — Kurla Complex, Ba
Slide 2: Q1 FY26 Earnings Presentation
• -, I [~ l \ 1 .&1,......,.,.· j)'! I' ) I -. Choice ~ ~~~~~..;a lt-. - J The Joy of Earning • • r1v1n ence Weaving lndia s Growth Story 1 Choice International Limited (BSE: 531358, NSE: CHOICEIN) Ql FY26 Earnings Presentation
Slide 3: Company Overview
Company Overview Choice The Joy of Earning One of the leading financial conglomerates with over a decade's expertise providing tech-led services Business Footprint & Expertise Financial Growth Snapshot Branch Offices Project Offices Clientele In- House Tech Experts Choice Business Associates Team St
Slide 4: Key Highlights
l(ey Highlights Choice The Joy of Earning A diversified mix for sustainable business Broking & Distribution . ------~ \ \ • ., - - - - - - - - - - - - • NBFC Stock Broking, Wealth, Insurance \ Revenue Split A 29% A 18% A 64% A 108% 1,150K 241K+ f 7.45 Bn f 5.96 Bn Demat Accounts Active Accounts Tota
Slide 5: Q1 FY26 Highlights
Ql FY26 Highlights Choice The Joy of Earning EBITDA (f Mn) Revenue (f Mn) 6 49% ' I 983 . ,----------------------------------- ------------------, ' I 868 & 16% I I • 777 I 617 I I 582 I 2,550 • I 2,492 I I 2,380 I • 2,115 2,059 0 1FY25 02 FY25 03 FY25 04 FY25 01 FY26 PAT (f Mn) 6 50% 'I------------
Slide 6: Key Highlights
l(ey Highlights Choice The Joy of Earning • CAGR=39% - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Slide 7: Stock Broking - Industry Overview
Stoel{ Brol<lng - Industry Overview Choice The Joy of Earning Digital Platforms Growth Of Demat Accounts In India (In Lakhs) .... .c ~ 7,960 e C) Financial Literacy ....C E a, Young Investor Participation C 1,924 -2 Cl C 550 ·- -c IPO Market Bloom C a, -I 233 190 Cl) '- ....u0 Regulatory Reforms C L
Slide 8: Stock Broking
Stoel{ Brol<lng Choice The Joy of Earning Expanding our PAN India reach and client demographic Steadily Increasing Client Base Market Share & ADTO (f Mn) Broking & Distribution Segment Revenue (f Mn) A 60% ~-----------------------------------------, I 1.25% 1.23% 1.21% A 29% 1.2~ 1.19% 1,150 14,880
Slide 9: Strengthening Touchpoints Through Expansion
Strengthening Touchpoints Through Expansion Choice The Joy of Earning Increasing Reach Through New Branches Franchisee Network Expansion A 65% A 27% -- - - - - - - - - - - - -- - - - - - - - - - - - - - - - - - - - - - - - - - - -' -- - - - - - - - - - - - - - - - - - -- - - - - - - - - - - - - - -
Slide 10: Choice FinX app
Choice The Joy of Earning AFGHANISTAN NIFTY BANKNIFTY SENSEX 23Mn+ 2.57 Mn+ 24,968.40 -143.05 56,283.00 - 545.80 81 ,757.73 - 501.52 PAKIST I' API requests App Downloads served per day Hi Pritam ~ 2,44,311 Your Assets 94,211.22 (62.77%) ✓ Simple User Interface LJ Stocks Mutual Funds Trading Fund MYA
Slide 11: Stock Broking: New app features
Stoel{ Brol<lng ChoiceThe Joy of Earning Simple User Interface, ln-app Curated Baskets, Diverse Investment Products Hedged Integration: StrikeX - The Pro FinReels - Invest Unified Global Search New UI - Built for Profitable Strategies Trader's Edge Smart, One Reel at - One Search for All Simplicity,
Slide 12: Stock Broking: Simple User Interface
Stoel{ Brol<lng Choice The Joy of Earning Simple User Interface, ln-app Curated Baskets, Diverse Investment Products NIFTY BANKNIFTY SEN SEX NIFTY BANK NIFTY SENSEX NIFTY BANKNIFTY SENSEX CHOICEIN NSE (EO) 24,008.00 -2H 10 53,595.25 .770 •0 79,454.47 h0 3' 24,473.25 (0 52%) 54,870.00 (-0.45") 80,830
Slide 13: Tech Insights
Tech Insights Choice The Joy of Earning Seamless collaboration, cutting - edge features Front End ~-------------------------------------~ : HYBRID CLOUD : I Choice FinX Middlevvare Core Backend I I I -Mobile App I I -Web Trading Platform I I I Choice Connect I I I -Mobile App I -Web Platform I I l l
Slide 14: Wealth Distribution - Industry Overview
Wealth Distribution - Industry Overview Choice The Joy of Earning EVOLVING FINANCIAL LANDSCAPE INTERMEDIARIES ASSUME MULTIPLE ROLES , .,,,, Growing Affluent and Middle Class Advisors & Behavioral Managers • HNWls (>USD lM*)- estimated to grow • Help in goal based investing from 375K in FY24 to 550K
Slide 15: Wealth Distribution
Wealth Distribution Choice The Joy of Earning Maximising growth of portfolio with a mix products Sustained Growth in AUM Progressive increase in SIP Book Steady Increase in Transactions AUM Composition by Investment Type & 443% A 78% & 56% ,--------------------------------------, I I ---------------
Slide 16: Arete Capital and Choice Wealth merger synergies
Arete Capital Choice Wealth ChoiceThe Joy of Earning + MERGER SYNERGIES + Deeper Foray Into Expanded Client Base Wider Range Of Products & Solutions To Offer Large Mutual SMEs Corporates Funds Charitable ~&..-- Provident Fund & Tax Free Structured Trusts ~f Retirement Funds Bonds Products Family oOo
Slide 17: Insurance - Industry Overview
Insurance - Industry Overview Choice The Joy of Earning Insurance Density Rising Share of Broking Channel in GI Share of Broker Channel in (US$) Premiums (f Cr) GI Premiums Long Term Goal 9,640 4% 152% 11% Medium Term Goal 889 34% --- ---- ---- 19% 92 95 77 • Brokers 60 • Direct Agents • Bancassuran
Slide 18: Insurance Distribution - Overview
Insurance Distribution - Overview Choice The Joy of Earning Corporate Business Retail Business Annualised Employee Productivity 01 FY26 14.32 6 36% A 151% 390 04 FY25 19.28 539 489 273 274 458 432 213 03 FY25 15.51 360 109 02 FY25 16.00 01 FY25 13.87 01 FY25 02 FY25 03 FY25 04 FY25 01 FY26 01 FY25 0
Slide 19: Retail - Business Overview
Retail - Business Overview Choice The Joy of Earning Health and Travel Insurance Life Insurance Motor Insurance .6 258% .6 65% .6 128% -------------------------------------------- ~ I .6 58% .6 68% I I .6 273% I ' _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ i I __
Slide 20: Corporate - Business Overview
Corporate - Business Overview Choice The Joy of Earning Key Property & Engineering ~ Transit .1~@?1 Surety & Credit Insurance Offerings ~o (0J Ml Liability 8'°8 Employee Benefits Speciality Covers Tailor made solutions for large risks Risk Advisory analysis & inspections Claims consultancy for corpo
Slide 21: NBFC - Industry Overview
NBFC - Industry Overview Choice The Joy of Earning Banks Vs NBFCs - Yo Y growth in Advances Rise in Funding Avenues for green Financing {f Lakh Cr) 40 ·-------· r------- r--------• • - - - - - - - • r - - - .. r - - - - - - - • I Global Financial Taper Demonetization I IL & FS Onset of Global econom
Slide 22: NBFC
NBFC Choice The Joy of Earning Empowering MSMEs through retail lending tailored specifically for the dynamic semi-urban and rural landscapes f 7.45 Bn f 5.96 Bn Total AUM Retail AUM Key On time collections Competencies In-House Collection Team First preference for A FOCUSED APPROACH TO SERVE MSME Le
Slide 23: NBFC: Net Interest Margin and Portfolio Mix
NBFC Choice The Joy of Earning Empowering MSMEs through retail lending tailored specifically for the dynamic semi-urban and rural landscapes Net Interest Margin Focused Retail Portfolio Mix A Expanded by 85 bps • MSME Business Loans f 5.96 Bn • Solar Finance 21.22% 11.85% as of Ql FY26 11.30% Others
Slide 24: Robust Underwriting and Liability Profile
NBFC Choice The Joy of Earning Robust Underwriting Processes 0 I I I l . Real-time Credit 2. Multiple Database 3. Centralized 4. Geo-tagging 5. Cashless Bureau checks Checks Credit Team Operations In addition to own Dedupe Check KYC verification, IVR, of 100% branches via penny drop scorecard for on
Slide 25: NBFC product offering
NBFC Choice The Joy of Earning Wide range of product offering to cater multiple customer segments in priority sector Products Name MSME Business Solar Loan Loans (Secured) Ticket Size Upto f 5 Mn Upto f 5 Mn Tenor (in Months) Upto 120 Upto 60 ROI Range 16-22% 18-24% Security Coverage(%) 40-80 100 Pr
Slide 26: Advisory Services - Industry Overview
Advisory Services - Industry Overview Choice The Joy of Earning Investments in Core Infra (f Lakh Cr) 14,137 Projects US$ 1,382.36 Bn Total Project Cost 37.3 1,141 Projects Under Development 61 Sub-sectors 25.6 18.9 15 18.3 12.4 l l. l 8.6 India is building more than infrastructure. It's building co
Slide 27: Advisory Services
Advisory Services Choice The Joy of Earning Order Book (f Bn) Order Book - State Wise Order Book - Sector Wise 5.86 e Maharashtra 18% e Rajasthan 5.45 5.50 5.55 e Bihar 5.01 16% e Others* Delhi 24% Andhra Pradesh Jharkhand Chhattisgarh 22% Goa 01 FY25 02 FY25 03 FY25 04 FY25 01 FY26 Himachal Pradesh
Slide 28: Key New Advisory Projects
l(ey New Advisory Projects Choice The Joy of Earning During the quarter, added these key strategic projects worth *fl303 Mn Two landmark projects across New public sector mandates, reinforcing its leadership in Maharashtra and Odisha. rural and digital transformation initiatives. • Awarded a work or
Slide 29: Key Highlights
l(ey Highlights Choice The Joy of Earning DD r;;' DD D I; DD D Q TT D Serving to 150+ lK+ ULBs SOK+ PRls Selected to lead the Departments (CG & SG) digitalization of 13K + PACS 0 hi I 000 000 Developed Women Trained 15K + trainees Serving to Multilateral Agencies Flagship Schemes JJM, PMAY, Entrepre
Slide 30: Choice Matters: Impacting
Choice The Joy of Earning Choice is committed to actively participate in India's remarkable growth story and leveraging our resources, expertise, and innovative solutions to make a meaningful impact on various aspects of Indian life, from economic development and employment opportunities to social w
Slide 31: Investment Banking
Investment Banl{ing Choice The Joy of Earning Choice Capital Advisors Pvt. Ltd., a SEBl-registered Category-I Merchant Banker, specializes in capital market transactions and corporate finance, offering end-to-end financial solutions from strategy to execution. Key Services Main Board IPO SME IPO Rig
Slide 32: Key Clientele
l(ey Clientele Choice The Joy of Earning ,.. ,. n, ---- ill • - ,,.._ ,. 'Rffi ·-· ..... -· -- . ~ VPRPL \'LSH.\'V PRAKASH ._,_ RPl .,. . ~_VGLIA LTD RAMDEVBABA SO LV EN T P V T. L T D. ISO 22000, 2005 & ISO 9001-2008 Certified Company FSSAI NO. 10013022001589 ESPRIT STONES •• relipay A BRA.NO OF RN
Slide 33: IPO Performance Highlights
IPO Performance Highlights Choice The Joy of Earning Main Board SME SME SME SME SME Main Board Particulars Prostarm Info *Shri Ahimsa Utssav CZ Gold RNFI Services Ltd. Esprit Stones Ltd. Ramdevbaba Vishnu Prakash System Ltd. Naturals Ltd. Jewels Ltd. Solvent Ltd. R Punglia Ltd. Fund Raised (t in Mn)
Slide 34: Choice Connect
Choice Connect Choice The Joy of Earning Empowering individual agents to become financial advisers with the help of proprietary engine, engaging trainings and digital execution of services No. of Choice Business Associates {CBAs) Expanded Reach in Array Of Financial Products For CBAs Unserved and A
Slide 35: Choice Connect
Choice Connect Choice The Joy of Earning Equity Clients Onboarded & Progressive Growth in POSP Uptrend in Credit Cards Issued Brokerage Trend 6 589% ~...__---------- 12,240 76 23,025 10,154 53 16,540 15,283 39 4,908 8,619 26 26 3,343 1,307 0 1 FY25 02 FY25 03 FY25 04 FY25 01 FY26 FY23 FY24 FY25 01 F
Slide 36: Consolidated Financial Performance - Quarterly
Consolidated Financial Performance - Quarterly Choice The Joy of Earning Particulars ( f Lakhs) Ql FY26 Ql FY25 Y-o-Y Q4 FY25 Q-o-Q Growth(%) Growth(%) Revenue from Operations 23,388 20,064 16.57% 25,300 (7.56)% Other Income 407 529 (23.06)% 204 99.51% Total Income 23,795 20,593 15.55% 25,504 (6.70)
Slide 37: Consolidated Financial Performance - Quarterly
Consolidated Financial Performance - Quarterly Choice The Joy of Earning Particulars ( f Lakhs) Ql FY26 Ql FY25 Y-o-Y Q4 FY25 Q-o-Q Growth(%) Growth(%) Revenue from Operations 23,388 20,064 25,300 Other Income 407 529 204 Total Income 23,795 20,593 15.55% 25,504 (6.70)% Employee Benefit Expenses 6,9
Slide 38: Board Members
Board Members Choice The Joy of Earning Board with extensive experience across businesses Mrs. Vinita Patodia Mr. Kamal Poddar Mr. Suyash Patodia Mr. Arun Poddar Mr. Ajay Kejriwal Non- Executive Chairperson Managing Director Joint Managing Director Executive Director & CEO Executive Director • •• ••
Slide 39: Entity Structure
Entity Structure Choice The Joy of Earning CHOICEIN / '\ ' '\ /' ' /' /' /' /' /' ' Choice Equity Choice Insurance Choice Choice Choice Capital Choice Consultancy Choice AMC Broking Broking Finserv Trustees Advisors Services 100% 90% 50% 82.34% 100% 100% 100% '- / I r / ' Choice Corporate Services /
Slide 40: Environmental, Social and Governance
Environmental, Social and Governance Choice The Joy of Earning oOo ------· ------- I / ' I I I I I I I I I I I I I ~ ~ I I I I I I I Governance Social Environment • Well-established Financial services • Providing and facilitating access to • Conducting operations in energy efficient business. Implem
Slide 41: Geographical Presence
Geographical Jammu & Kashmir (2 Branches) --......L- Himachal Pradesh Choice The Joy of Earning Presence Chandigarh _ _ _ _ _ _ __ (1 Branch) - - . . . . - - - - - - - - - (1 Branch) Uttarakhand ----------- (1 Branch) Punjab Uttar Pradesh (2 Branches) ----- (9 Branches) Haryana Bihar (5 Branches) (7
Slide 42: Media Presence
Media Presence Choice The Joy of Earning Extensive coverage by Television, Digital, Print and Social Media Offline Events News and Print Media ~~ CNBC ffilmGllm. Busi iicssLinc T V "IS ~ . Tllt,1Hl~~--OI 1'1)1.\ lk CNBC 3TicITTf T11 1-. I~ O\O\ll<' T nn: Business Standard Ahmed a bad Delhi ,.,. CNBC
Slide 43: Membership and Certifications
Membership and Certifications Choice The Joy of Earning Registered across exchanges in India Memberships and Registrations Certifications Auditors NSE 3SE EXPERIENCE THE NEW M o o~ ~. Trade with Trust • ·cS>· JI~ • MSKA & Associates 0 NCDEX P,09oti ko Sohd b:(hon9-e • M+i1r6G Chartered Accountants C
Slide 44: Disclaimer
Disclaimer Choice The Joy of Earning Certain statements in this presentation concerning our future growth prospects are forward looking statements, which involve a number of risks, and uncertainties that could cause actual results to differ materially from those in such forward-looking statements. T
Slide 45: Thank You