PAISALO DIGITAL Q2 FY27 : AUM & REVENUE DOUBLING TARGET, 15–18% ROE GUIDANCE & DIGITAL EXPANSION

• MANAGEMENT TARGETING TO DOUBLE AUM & REVENUE OVER NEXT 3 FISCAL YEARS • AUM UP 33% YOY TO ₹7,266 CR, SUPPORTED BY DISTRIBUTION EXPANSION • LONG-TERM ROE TARGETED AT 15–18% VS CURRENT 13.4% • LONG-TERM ROA TARGETED AT 4–4.5% VS CURRENT 3.3% • NET INTEREST MARGIN EXPECTED TO IMPROVE TOWARD 6% BY FY27-END FROM CURRENT 5.7% • FY27 COST OF FUNDS GUIDANCE MAINTAINED AROUND 10.5% VS CURRENT 10% • ADDITIONAL BORROWING COST PRESSURE OF 25–30 BPS ANTICIPATED • LENDING YIELDS EXPECTED TO NORMALIZE DURING Q3–Q4 FY27 • CONSUMER DIGITAL APP LAUNCH TARGETED FOR DECEMBER 2026 • MANAGEMENT TARGETING 40–50% OF CUSTOMER ACQUISITION THROUGH DIGITAL APP WITHIN 3 YEARS • AI-DRIVEN OPERATING EFFICIENCY BENEFITS EXPECTED TO BECOME MORE VISIBLE FROM Q1 FY28 • DISTRIBUTION NETWORK EXPANDED TO 6,415 TOUCHPOINTS ACROSS 23 STATES • GROSS NPA IMPROVED TO 0.66%, WITH CREDIT COST DOWN TO 0.4% FROM 1.1% YOY • CO-LENDING EXPANSION AWAITING PARTNER BANKS' REGULATORY & TECHNOLOGY READINESS • HIGHER FUNDING COSTS, DROUGHT-AFFECTED RURAL DEMAND & DIGITAL EXECUTION REMAIN KEY RISKS

PAISALO DIGITAL LIMITED

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