Slides
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Investor Presentation Q3 FY’26
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Investor Presentation Safe Harbour Statement 2 This presentation and the accompanying slides (the “Presentation”), which have been prepared by Computer Age Management Services Limited (CAMS) (the “Company”), have been prepared solely for information purposes and do not constitute any offer ,recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or be relied on in connection with any contract or binding commitment what so ever. No offering of securities of the Company will be made except by means of a statutory offering document containing detailed informationabout the Company. This Presentation has been prepared by the Company based on information and data which the Company considers reliable, but the Company makes no representation or warranty, express or implied, whatsoever,and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the informationthat you may consider material. Any liability in respect of the contents of,or any omission from, this Presentationis expressly excluded. Certain matters discussed in this Presentation may contain statements regarding the Company’s market opportunity and business prospects that are individually and collectively forward-looking statements. Such forward-looking statements are not guarantees of future performance and are subject to known and unknown risks, uncertainties and assumptions that are difficult to predict. These risks and uncertaintiesinclude, but are not limited to, the performance of the Indian economy and of the economies of various international markets, the performance of the industry in India and world-wide, competition, the company’s ability to successfully implement its strategy, the Company’s future levels of growth and expansion, technological implementation, changes and advancements, changes in revenue, income or cash flows, the Company’s market preferences and its exposure to market risks, as well as other risks. The Company’s actual results, levels of activity, performance or achievements could differ materially and adversely from results expressed in or implied by this Presentation. The Company assumes no obligation to update any forward-looking information contained in this Presentation. Any forward-looking statements and projections made by third parties included in this Presentation are not adopted by the Company and the Company is not responsible for such third party statementsand projections.
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Business Overview
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Investor Presentation Presentation Flow 4 MF - Operational Highlights –Q3 FY’26 Page No: 7 Business Overview Financials About CAMS Revenue Highlights – Q3 FY’26 Page No: 15 Business at a Glance Page No: 30 Mutual Fund Services Business Page No: 31 - 33 Board of Directors Page No: 42 Non-MF Businesses Page No: 34 - 40 Corporate Structure Page No: 41 History / Milestones Page No: 45 Awards & Accolades Page No: 46 - 47 Shareholding Page No: 48 Revenue Profile – Q3 FY’26 Page No: 17 Update on ESG Initiatives Page No: 27 - 28 Consolidated Financial Highlights – Quarterly Page No: 21 Management Team Page No: 43 - 44 Standalone & Consolidated P&L – Q3 FY’26 & FY’25 Page No: 22 - 25 MF Industry vs. CAMS –Q3 FY’26 Page No: 8 Business updates Page No: 12 - 13 Business Highlights Q3 FY’26 Page No: 5 - 6 Financial Highlights – Q3 FY’26 Page No: 16 Operational Metrics Q3 FY’26 Page No: 9 MF Industry vs. CAMS –9m FY’26 Page No: 10 Operational Metrics 9m FY’26 Page No: 11 Revenue Highlights – 9m FY’26 Page No: 18 Revenue Profile 9m FY’26 Page No: 20 Financial Highlights – 9m FY’26 Page No: 19
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Investor Presentation Business Highlights for Q3 FY’26 5 Mutual Funds CAMS AuM crossed ₹55 l akh Crore. milestone in Dec’25, ret ai ni ng market l eadershi p w i t h ~68% market share and del i veri ng 18% Y- o- Y grow t h in l i ne w i t h t he in dust ry Equi t y asset s surged to an all-time high of ₹30.4 l akh Crore, w i t h market share ri si ng to a record 66. 4%, up 70 bps Y- o- Y & scal i ng f ast er t han in dust ry Equity net sales reached ~₹84,000 Crore, dri vi ng market share to 71% , a sharp 930 bps i ncrease Y- o- Y N ew SI P regi st rat i ons st ood at a heal t hy 1. 16 crore in Q3 FY26, grow i ng 18% Y- o- Y and si gni f i cant l y out paci ng in dust ry grow t h of 6% SI P col l ect i ons of CAMS- servi ced f unds scal e d st rongl y, grow i ng 20% Y- o- Y to ₹55,964 crore Li ve SI Ps expanded 8% Y- o- Y, i m provi ng our market share to 65. 2% U ni que i nvest or base crossed 4. 4 Crore duri ng t he quarte r, grow i ng14% YoY and out paci ng in dust ry grow t h of 11% CAMS secured a new m andat e f rom Carnel i an Asset Managem ent , t aki ng t he MF RTA cl i ent count to 29 AMCs Tat a Mut ual Fund l aunched i t s m aiden Ti t ani um SI F N FO duri ng t he quarte r, and overal l SI F AuM of CAMS- servi ced f unds crossed ₹2,400 crore in D ecem ber 2025 Ret ai l f und l aunches in G I FT Ci t y gai ned m om ent um , w i t h Tat a MF l aunchi ng t he industry’s fi rst ret ai l i nbound f und Financial Highlights The Company has delivered its all-time highest quarterly revenue in Q3 FY’26, fuelled by strong performance across both MF and non-MF businesses Enterprise revenue grew 5.5% Y-o-Y (up 3.6% Q-o-Q), while non-MF revenue surged 24.3% Y-o-Y (up 4.8% Q-o-Q) EBITDA margins were at a robust 46%, absolute EBITDA of Rs 179 Crore, scaling to its highest ever, despite market volatility and the cost impact of the new labo ur code implementation
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Investor Presentation Business Highlights for Q3 FY’26 6 Beyond Mutual Funds N on- MF revenue contri but i on i ncreased to 14. 5%in Q3 FY’26, underscori ng sust ai ned revenue di versi f i cat i on The KRA busi ness of N SE ( N SEDAL) w as successf ul l y t ransf erred to CAMS KRA, rei nf orci ng i t s posi t i on as India’s second- la rgest KRA w i t h a 2. 15 Crore+ uni que user base CAMS KRA revenue grew in sequent i al quarte rs as w el l as annual l y, despi t e decl i ne in new account openi ng in t he capi t al markets CAMSPaypost ed st rong m om ent um w i t h 59% Y- o- Y revenue grow t h( 24% f rom base busi ness and t he rest f rom t he recent l y l aunched Paym ent G at ew ay busi ness) , si gni ng 22 new deal s in Q3 FY26 CAMS Al t ernat i ves reporte d i t s hi ghest- ever quarte rly revenue, regi st eri ng a robust 16% Y- o- Y grow t h. W i t hAuM exceeding ₹3 Lakh Crore ( represent i ng over 50% of t he out sourced market ) and W eal t hServ adopt i on crossi ng 250 m andat es, bot h busi ness acqui si t i on and di gi t al engagem entsawsust ai ned accel erat i on CAMS Rep revenue grew15% Y- o- Y. Added 7 l akh pol i ci es and 5. 5 l akh eI As, scal i ng to 13 m i l l i on pol i ci es and 10 m i l l i on eI As overal l , com m andi ng 40% + market share Bi m a Central w on t he Best I nsurance Tech Sol ut i onat t he G FF Awards 2025, w hi l e Thi nk360. ai recei ved t he RegTechI nnovat i on Excel l ence Award at t he ETBFSI Excel l er Awards 2025 Thi nk360 l aunched ConsenPro, an end- to- end di scovery and consent l i f ecycl e m anagem ent sol ut i on fo r D PD PA com pl i ance
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Investor Presentation 4.15 Cr. 4.32 Cr. 4.46 Cr. Jun'25 Sep'25 Dec'25 57,575 1,02,671 83,776 Q1FY'26 Q2FY'26 Q3FY'26 Mutual Funds – Operational Highlights – Q3 FY’26 7 *Equity includes Growth ,Index Equity & Hybrid schemes excluding Arbitrage New highs in transaction volume Unique Investor Growth Equity Net Sales* (Rs. Cr.) Y-o-Y growth of 14% vs. 11% of industry Equity AuM (Rs. Cr.) Q2 FY’26 24.4 Cr. 27.3 Cr. Q1 FY’26 26,69,179 28,73,481 30,37,882 Q1FY'26 Q2FY'26 Q3FY'26 66.1% Share 66.1% Share 19% Growth Y-o-Y 14% Growth Y-o-Y 65.4% Share 69.2% Share NFO Mobilization (in Rs. Cr) 3,442 28,149 5,399 Q1FY'26 Q2FY'26 Q3FY'26 53% Share* 41% Share* * CAMS’s share in MF Industry 26.0 Cr. Q3 FY’26 66.4% Share 71.2% Share 80% Share*
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Investor Presentation Mutual Fund Industry vs. CAMS AAuM – Q3 FY’26 8 CAMS – Market Share (based on Quarterly AAuM) ~68%* ₹ 54.7 Tn. *Market share & AuM does not include fund of fund Domestic| AuM including FOF domestic for Q3 FY’26 - Rs.55.80Tn., Q2 FY’26 - RS 52.98Tn., Q3 FY’25 - Rs. 46.78Tn. Yield calculated on this AuM # Equity includes Growth & Equity Oriented schemes, Index-Equity & Hybrid excluding Arbitrage 18.2% Y-o-Y 4.9% Q-o-Q Net flows into equity assets reached all time high in Q3 FY’26 at Rs.83,776 Cr. Inflows through SIPs increased by 20% Y-o-Y / 6% Q-o- Q AAuM Serviced by CAMS Equity AAuM – CAMS ₹ 30.4 Tn. 18.6% Y-o-Y 5.7% Q-o-Q ₹81.0 Tn. Industry AAuM Equity AAuM # – Industry ₹43.5 Tn. Q1 FY’26 18.1% Y-o-Y 5.0% Q-o-Q 17.3% Y-o-Y 5.2% Q-o-Q
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Investor Presentation Transaction Volume 272.8 Mn. Y-o-Y: 14% Q-o-Q: 5% Live Investor Folios 107.8 Mn. (as on December 31, 2025) Y-o-Y: 18.5% Q-o-Q: 5.5% Unique Investors Serviced 44.6 Mn. (as on December 31, 2025) Y-o-Y: 14% Q-o-Q: 3% SIP Book 63.8 Mn. (as on December 31, 2025) Y-o-Y: 8% Q-o-Q: 3% Systematic Transactions Processed 222.8 Mn. Y-o-Y:14% Q-o-Q: 4% Operational Metrics – Q3 FY’26 9
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Investor Presentation Mutual Fund Industry vs. CAMS AAuM – 9m FY’26 10 CAMS – Market Share (based on Quarterly AAuM) ~68%* ₹ 51.8 Tn. *Market share and AUM does not include fund of fund Domestic | AuM including FOF domestic for 9m FY’26 - Rs. 52.71 Tn., 9m FY’25 - Rs.44.13 Tn. Yield calculated on this AuM # Equity includes Growth & Equity Oriented schemes, Index-Equity & Hybrid excluding Arbitrage 18.7% Y-o-YNet flows into equity assets remain positive in 9 Mn. FY’26 at Rs.2,44,022 Cr. Inflows through SIPs at Rs.1.58 Tn. increased by 23% Y-o-Y AAuM Serviced by CAMS Equity AAuM – CAMS ₹ 28.6 Tn. 19.3% Y-o-Y ₹76.8 Tn. Industry AAuM Equity AAuM # – Industry ₹43.2 Tn. Q1 FY’26 18.8% Y-o-Y 18.5% Y-o-Y
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Investor Presentation Transaction Volume 777 Mn. Y-o-Y: 19% Live Investor Folios 107.8 Mn. (as on December 31, 2025) Y-o-Y: 18.5% Unique Investors Serviced 44.6 Mn. (as on December 31, 2025) Y-o-Y: 14.3% SIP Book 63.8 Mn. (as on December 31, 2025) Y-o-Y: 8% Systematic Transactions Processed 639.5 Mn. Y-o-Y:22% Operational Metrics – 9m FY’26 11
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Investor Presentation Beyond MF 12 o CAMS Alternatives posted its highest-ever quarterly revenue in Q3 FY’26, marking a strong 16% Y-o-Y growth o Continued momentum in business acquisition with 30 new mandates, including 10 first-time clients; Overall AUM crosses Rs.3 Lakh Cr. o WealthServ platform crossed 250 mandates. Continues to see widespread adoption with over 3400 investors onboarded digitally in Q3 FY’26, taking overall count to over 20,000 o Strengthened GIFT City footprint with 38 funds outsourcing services. Launched digital onboarding for GIFT City funds o CAMSRep Overall revenue grew by 15%Y-o-Y and 11% Q-o-Q o Bima Central Administrator was launched at IIA Annual event and has received strong response from Insurers and Distributors. o Bima Central continues its momentum with 20 Lakh unique users, 96K mobile downloads and 1.73 Lakh transactions this quarter o The business added 7 LAKH policies and 5.5 Lakh eIA scaling to 13 Mn. policies and 10 Million eIA, commanding 40%+ market share o CAMSRep received a 4-star rating from Aegis Graham Bell Awards, Bima Central was awarded Best Insurance Tech Solution at the GFF Awards 2025 o CAMSPay delivered robust performance, with revenue increasing by 59% Y-o-Y (24% from base business and the rest from the recently launched Payment Gateway business) and 7% Q-o-Q o Signed 22 new deals in Q3FY’26 o UPI AutoPay Mandate registration continues its strong growth, rising 9% Q-o-Q and 61% Y-o-Y , clocks 1.3 Lakh mandates a day in October 2025 o Mandate registration from NBFC sector increased by 7% Q-o-Q and 12% Y-o-Y, highlighting enhanced customer engagement, product relevance, and ongoing digital adoption
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Investor Presentation Beyond MF 13 o Think360’s revenue grew by 28% Y-o-Y o Launched ConsenPro for DPDPA compliance - end to end discovery and consent lifecycle management solution for out of the box compliance o Recognized by ET for rAIdar, a regulatory innovation for helping manage customer communication within compliant boundaries o Think360.ai was awarded the RegTechInnovation Excellence Award at the ETBFSI Exceller Awards 2025 o Signed 38 new deals this quarter, marking the highest number achieved in a single quarter o Accelerated go-lives during the quarter with 23 FIUs onboarded in Q3 FY’26, representing a ~35% increase over Q2 o Analytics service stack built on core AA witnessed accelerated adoption, delivering 43% client growth and 70% volume growth Q-o-Q o NPS achieved over 37%Q-o-Q and 80%Y-o-Y revenue growth with two new bank sign-ups, including a major private sector bank o Successfully gone live with a multi-scheme framework across CAMS platforms o 20 PoPs active on CAMS CRA o CAMS CRA has been selected for a Proof of Concept (PoC) for NPS Swasthya o CAMS KRA revenue grew in sequential quarters as well as annually, despite decline in new account opening in the capital markets o Revenue up 5% Q-o-Q and 6% Y-o-Y , Crosses 2.15 Cr. unique user base and maintains is position as 2nd largest KRA in the country o Enhanced market standing after successful migration of NSE KRA to CAMS KRA o The momentum in new client sign-ups continued, with 25 new intermediaries partnering with CAMS KRA for onboarding
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Financials
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Investor Presentation 15 Revenue Highlights – Q3 FY’26 Revenue ₹ 39013.90 Lakh 3.6% Q-o-Q 5.5 % Y-o-Y Asset Mix Equity component: Q3 FY’26 @ 54.0% (Q3 FY’25: @ 54.6% / Q2 FY’26: @ 53.8%) Asset Based Revenue 3.8% Q-o-Q 5.0% Y-o-Y Non-Asset Based Revenue MF Revenue 0.7% Q-o-Q (8.8)% Y-o-Y 3.3% Q-o-Q 2.9% Y-o-Y Non-MF Revenue 4.8% Q-o-Q 24.3% Y-o-Y
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Investor Presentation Operating EBITDA – 46.0 % 6.7% Q-o-Q PBT – 41.1% (1.1) Y-o-Y PAT – 31.1% 0.1% Y-o-Y 17,377 16,813 17,936 Q3 FY25 Q2 FY26 Q3 FY26 Return on Net-Worth* 40.2% ** Cash & Cash Equivalent as on 31st Dec 25 was Rs 852.86 Cr. Interim Dividend: ₹3.5 Per share (after the share split) * Return on Net-worth – PAT (annualized) / Average Equity for the quarter| ** Includes Bank balances, Fixed deposit, Govt Bond &Investment in MF / Excludes money held in trust (ECS, NPS & Stamp duty collection A/c & Money in unpaid dividend A/c Numbers are after eliminating non-controlling interest in Think Analytics & Fintuple Technologies | After considering share of loss in MFC JV Financial Highlights – Q3 FY’26 16 16,757 15,437 16,565 Q3 FY25 Q2 FY26 Q3 FY26 12,549 11,494 12,554 Q3 FY25 Q2 FY26 Q3 FY26 Profit numbers are after considering the non-cash charge (ESOPs) amounting to ₹ 2.4 Cr. (Q3 FY’26), ₹ 3.6 Cr. (Q3 FY’25) and ₹ 4.3 Cr. (Q2 FY’26) 3.2% Y-o-Y 7.3% Q-o-Q 9.2% Q-o-Q
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Investor Presentation Revenue Profile Q3 FY’26 17 36,974 37,674 39,014 31st Dec 2531st Dec 24 30thSep25 5.5% Quarter ended Particulars Quarter ended 31st Dec 24 30th Sep 25 31st Dec 25 AIF 2.6% 2.9% 2.9% CAMS Pay 3.0% 4.4% 4.6% CAMS REP 1.3% 1.3% 1.4% Think360 AI 1.0% 1.2% 1.2% CAMSKRA 2.9% 2.9% 3.0% Others 1.4% 1.7% 1.5% Non Mutual Fund 12.3% 14.4% 14.5% Revenue Breakup Quarter ended 73.9% 73.4% 73.6% 13.8% 12.2% 11.9% 12.3% 14.4% 14.5% 31-Dec-24 30-Sep-25 31-Dec-25 100% MF – Assets Based MF-Non assets Based Non- Mutual Fund Revenue (In ₹ Lakh) Breakup of Non-Mutual Fund
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Investor Presentation Revenue ₹1,12,102.88 Lakh 5.1% Y-o-Y Asset Mix Equity component: 9m FY’26 @ 53.9% (9m FY’25: @ 54.2%) Asset Based Revenue 5.6% Y-o-Y Non-Asset Based Revenue MF Revenue(6.3)% Y-o-Y 3.7% Y-o-Y Revenue Highlights – 9m FY’26 18 Non-MF Revenue 14.7% Y-o-Y
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Investor Presentation Operating EBITDA – 44.8 % PBT – 40.2% PAT – 30.2% (1.9%) Y-o-Y 49,578 50,231 9m FY25 9m FY26 Return on Net-Worth* 38.8% * Return on Net-worth – PAT (annualized) / Average Equity for the quarter Numbers are after eliminating non-controlling interest in Think Analytics & Fintuple Technologies | After considering share of loss in MFC JV Financial Highlights – 9m FY’26 19 47,517 46,546 9m FY25 9m FY26 35,617 34,957 9m FY25 9m FY26 Profit numbers are after considering the non-cash charge (ESOPs) amounting to ₹ 10.8 Cr. (9m FY’26) and ₹ 14.7 Cr. (9m FY’25) 1.3% Y-o-Y (2.0%) Y-o-Y
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Investor Presentation Revenue Profile 9m FY’26 20 1,06,632 1,12,103 9m FY’269m FY’25 5.1% 9m ended Particulars Half Yearly 9m FY’25 9m FY’26 AIF 2.7% 2.9% CAMS Pay 3.2% 4.3% CAMS REP 1.3% 1.4% Think360 AI 0.9% 1.2% CAMSKRA 3.5% 2.7% Others 1.3% 1.6% Non Mutual Fund 12.8% 14.0% Revenue Breakup Quarter ended 73.4% 73.7% 13.8% 12.3% 12.8% 14.0% 9m FY'25 9m FY'26 100% MF – Assets Based MF-Non assets Based Non- Mutual Fund Revenue (In ₹ Lakh) Breakup of Non-Mutual Fund
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Investor Presentation Consolidated Financial Highlights – Quarterly 21 33,140 36,517 36,974 35,617 35,415 37,674 39,014 -0.4 -0.3 -0.2 -0.1 0 0.1 0.2 5,5 00 10, 500 15, 500 20, 500 25, 500 30, 500 35, 500 40, 500 45, 500 FY25 Q1 Q2 Q3 Q4 FY26 Q1 FY26 Q2 FY26 Q3 Total Operating Revenue Total Revenue 15,061 17,140 17,377 15,981 15,482 16,813 17,936 45.4% 46.9% 47.0% 44.9% 43.7% 44.6% 46.0% 0.0 % 10. 0% 20. 0% 30. 0% 40. 0% 50. 0% 60. 0% 70. 0% 80. 0% 90. 0% 0 2,0 00 4,0 00 6,0 00 8,0 00 10, 000 12, 000 14, 000 16, 000 18, 000 20, 000 FY25Q1 Q2 Q3 Q4 FY26 Q1 FY26 Q2 FY26 Q3 OP.EBITDA & OP. EBITDA in % OP.EBITDA OP.EBIDA in (%) 14,367 16,394 16,757 14,926 14,543 15,437 16,565 41.9% 43.4% 43.6% 40.4% 39.6% 39.7% 41.1% 0.0 % 10. 0% 20. 0% 30. 0% 40. 0% 50. 0% 60. 0% 70. 0% 80. 0% 90. 0% 13, 000 13, 500 14, 000 14, 500 15, 000 15, 500 16, 000 16, 500 17, 000 FY25 Q1 Q2 Q3 Q4 FY26 Q1 FY26 Q2 FY26 Q3 PBT & PBT in % PBT PBT in (%) In INR Lakh In INR Lakh In INR Lakh In INR Lakh 10,821 12,247 12,549 11,402 10,909 11,494 12,554 31.5% 32.4% 32.6% 30.9% 29.7% 29.6% 31.1% 0.0 % 10. 0% 20. 0% 30. 0% 40. 0% 50. 0% 60. 0% 70. 0% 80. 0% 9,5 00 10, 000 10, 500 11, 000 11, 500 12, 000 12, 500 13, 000 FY25 Q1 Q2 Q3 Q4 FY26 Q1 FY26 Q2 FY26 Q3 PAT & PAT in % PAT PAT in (%) N um bers are af t er el i m i nat i ng non- control l i ng i nt erest in Thi nk Anal yt i cs & Fi nt upl eTechnologies | After considering share of loss in MFC JV
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Investor Presentation Standalone P&L (FY’26 vs. FY’25 – Quarterly & 9m Results) 22 Part i cul ars Q3 FY’26 Q3 FY’25 Y- o- Y Q2 FY’26 Q- o- Q 9m FY’26 9m FY’25 Y- o- Y FY’25 Revenue f rom operat i ons 36, 697. 22 34, 754. 98 1, 942. 24 35, 389. 47 1, 307. 75 1, 05, 524. 96 99, 746. 21 5, 778. 75 1, 33, 390. 02 O t her i ncom e 1, 083. 30 1, 203. 70 ( 120. 40) 1, 008. 61 74. 69 3, 150. 21 3, 133. 43 16. 78 4, 154. 62 Tot al revenue 37, 780. 52 35, 958. 68 1, 821. 84 36, 398. 08 1, 382. 44 1, 08, 675. 17 1, 02, 879. 64 5, 795. 53 1, 37, 544. 64 Expenses Em pl oyee benef i t s expense 9, 845. 25 9, 534. 92 ( 310. 33) 9, 891. 85 46. 60 29, 442. 75 27, 867. 04 ( 1, 575. 71) 37, 300. 40 Fi nance cost s 143. 04 180. 25 37. 21 155. 72 12. 68 461. 47 546. 27 84. 80 716. 41 D epreci at i on and am ort i sat i on expense 2, 234. 38 1, 623. 35 ( 611. 03) 2, 151. 76 ( 82. 62) 6, 182. 27 4, 562. 19 ( 1, 620. 08) 6, 513. 15 O t her expenses 9, 566. 41 8, 906. 78 ( 659. 63) 9, 387. 47 ( 178. 94) 27, 769. 57 25, 326. 43 ( 2, 443. 14) 34, 375. 36 Tot al expenses 21, 789. 08 20, 245. 30 ( 1, 543. 78) 21, 586. 80 ( 202. 28) 63, 856. 06 58, 301. 93 ( 5, 554. 13) 78, 905. 32 Prof i t bef ore t ax 15, 991. 44 15, 713. 38 278. 06 14, 811. 28 1, 180. 16 44, 819. 11 44, 577. 71 241. 40 58, 639. 32 Tax expense Current t ax 3, 736. 27 3, 875. 65 139. 38 3, 801. 04 64. 77 11, 045. 87 11, 120. 39 74. 52 14, 623. 35 Adj ust m ent of t ax rel at i ng to earlie r perio ds ( 235. 09) - 235. 09 - 235. 09 ( 235. 09) - 235. 09 - D ef erred t ax 292. 62 55. 27 ( 237. 35) ( 83. 49) ( 376. 11) 197. 96 ( 37. 38) ( 235. 34) ( 86. 39) N et t ax expense 3, 793. 80 3, 930. 92 137. 12 3, 717. 55 ( 76. 25) 11, 008. 74 11, 083. 01 74. 27 14, 536. 96 Prof i t / ( Loss) fo r t he perio d 12, 197. 64 11, 782. 46 415. 18 11, 093. 73 1, 103. 91 33, 810. 37 33, 494. 70 315. 67 44, 102. 36 Earnings per share (In ₹): Basi c 4. 93 4. 78 4. 48 13. 67 13. 60 17. 90 D i l ut ed 4. 90 4. 76 4. 46 13. 59 13. 55 17. 83 ₹ in Lakh
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Investor Presentation Standalone P&L (FY’26 vs. FY’25 – Quarterly & 9m Results) (with split of operating & other expenses) 23 Part i cul ars Q3 FY’26 Q3 FY’25 Y- o- Y Q2 FY’26 Q- o- Q 9m FY’26 9m FY’25 Y- o- Y FY’25 Revenue f rom operat i ons 36, 697. 22 34, 754. 98 1, 942. 24 35, 389. 47 1, 307. 75 1, 05, 524. 96 99, 746. 21 5, 778. 75 1, 33, 390. 02 O t her i ncom e 1, 083. 30 1, 203. 70 ( 120. 40) 1, 008. 61 74. 69 3, 150. 21 3, 133. 43 16. 78 4, 154. 62 Tot al revenue 37, 780. 52 35, 958. 68 1, 821. 84 36, 398. 08 1, 382. 44 1, 08, 675. 17 1, 02, 879. 64 5, 795. 53 1, 37, 544. 64 Expenses Em pl oyee benef i t s expense 9, 845. 25 9, 534. 92 ( 310. 33) 9, 891. 85 46. 60 29, 442. 75 27, 867. 04 ( 1, 575. 71) 37, 300. 40 Fi nance cost s 143. 04 180. 25 37. 21 155. 72 12. 68 461. 47 546. 27 84. 80 716. 41 D epreci at i on and am ort i sat i on expense 2, 234. 38 1, 623. 35 ( 611. 03) 2, 151. 76 ( 82. 62) 6, 182. 27 4, 562. 19 ( 1, 620. 08) 6, 513. 15 O perat i ng expenses 6, 912. 04 6, 484. 33 ( 427. 71) 6, 486. 91 ( 425. 13) 19, 697. 33 18, 142. 48 ( 1, 554. 85) 24, 746. 07 O t her expenses 2, 654. 37 2, 422. 45 ( 231. 92) 2, 900. 56 246. 19 8, 072. 24 7, 183. 95 ( 888. 29) 9, 629. 29 Tot al expenses 21, 789. 08 20, 245. 30 ( 1, 543. 78) 21, 586. 80 ( 202. 28) 63, 856. 06 58, 301. 93 ( 5, 554. 13) 78, 905. 32 Prof i t bef ore t ax 15, 991. 44 15, 713. 38 278. 06 14, 811. 28 1, 180. 16 44, 819. 11 44, 577. 71 241. 40 58, 639. 32 Tax expense Current t ax 3, 736. 27 3, 875. 65 139. 38 3, 801. 04 64. 77 11, 045. 87 11, 120. 39 74. 52 14, 623. 35 Adj ust m ent of t ax rel at i ng to earlie r perio ds ( 235. 09) - 235. 09 - 235. 09 ( 235. 09) - 235. 09 - D ef erred t ax 292. 62 55. 27 ( 237. 35) ( 83. 49) ( 376. 11) 197. 96 ( 37. 38) ( 235. 34) ( 86. 39) N et t ax expense 3, 793. 80 3, 930. 92 137. 12 3, 717. 55 ( 76. 25) 11, 008. 74 11, 083. 01 74. 27 14, 536. 96 Prof i t / ( Loss) fo r t he perio d 12, 197. 64 11, 782. 46 415. 18 11, 093. 73 1, 103. 91 33, 810. 37 33, 494. 70 315. 67 44, 102. 36 Earnings per share (In ₹): Basi c 4. 93 4. 78 4. 48 13. 67 13. 60 17. 90 D i l ut ed 4. 90 4. 76 4. 46 13. 59 13. 55 17. 83 ₹ in Lakh
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Investor Presentation Consolidated P&L (FY’26 vs. FY’25 – Quarterly & 9m Results) 24 Particulars Q3 FY’26 Q3 FY’25 Y-o-Y Q2 FY’26 Q-o-Q 9m FY’26 9m FY’25 Y-o-Y FY’25 Revenue from operations 39, 013. 90 36, 974. 29 2, 039. 61 37, 673. 79 1, 340. 11 1, 12, 102. 88 1, 06, 631. 75 5, 471. 13 1, 42, 248. 33 Other income 1, 287. 98 1, 494. 02 ( 206. 04) 1, 220. 18 67. 80 3, 822. 94 3, 922. 07 - 99. 13 5, 263. 66 Total revenue 40, 301. 88 38, 468. 31 1, 833. 57 38, 893. 97 1, 407. 91 1, 15, 925. 82 1, 10, 553. 82 5, 372. 00 1, 47, 511. 99 Expenses Employee benefits expense 12, 445. 75 11, 970. 40 ( 475. 35) 12, 479. 15 33. 40 37, 168. 61 35, 127. 30 ( 2, 041. 31) 46, 907. 85 Finance costs 167. 93 214. 74 46. 81 184. 17 16. 24 545. 77 644. 14 98. 37 847. 31 Depreciation and amortisation expense 2, 533. 15 1, 951. 66 ( 581. 49) 2, 455. 77 ( 77. 38) 7, 073. 30 5, 487. 17 ( 1, 586. 13) 7, 772. 01 Other expenses 8, 678. 15 7, 721. 17 ( 956. 98) 8, 433. 69 ( 244. 46) 24, 855. 30 22, 220. 88 ( 2, 634. 42) 30, 118. 55 Total expenses 23, 824. 98 21, 857. 97 ( 1, 967. 01) 23, 552. 78 ( 272. 20) 69, 642. 98 63, 479. 49 ( 6, 163. 49) 85, 645. 72 Profit before tax from ordinary activities before Share of Profit / (Loss) of Joint venture 16, 476. 90 16, 610. 34 ( 133. 44) 15, 341. 19 1, 135. 71 46, 282. 84 47, 074. 33 ( 791. 49) 61, 866. 27 Share of profit / (loss) of joint venture (net of tax) ( 5. 35) - ( 5. 35) ( 4. 30) ( 1. 05) ( 35. 35) - ( 35. 35) - Profit before tax for the period / year 16, 471. 55 16, 610. 34 ( 138. 79) 15, 336. 89 1, 134. 66 46, 247. 49 47, 074. 33 ( 826. 84) 61, 866. 27 Tax expense Current tax 4, 008. 11 4, 226. 34 218. 23 4, 105. 33 97. 22 11, 853. 50 12, 156. 18 302. 68 15, 897. 55 Adjustment of tax relating to earlier periods ( 235. 10) 0. 52 235. 62 - 235. 10 ( 294. 11) 0. 52 294. 63 ( 142. 98) Deferred tax 238. 79 ( 27. 15) ( 265. 94) ( 162. 03) ( 400. 82) 30. 64 ( 271. 48) ( 302. 12) ( 357. 85) Net tax expense 4, 011. 80 4, 199. 71 187. 91 3, 943. 30 ( 68. 50) 11, 590. 03 11, 885. 22 295. 19 15, 396. 72 Profit / (Loss) for the period 12, 459. 75 12, 410. 63 49. 12 11, 393. 59 1, 066. 16 34, 657. 46 35, 189. 11 ( 531. 65) 46, 469. 55 Non-Controlling Interest ( 94. 12) ( 138. 65) ( 44. 52) ( 100. 72) ( 6. 59) ( 299. 78) ( 428. 12) ( 128. 34) ( 549. 83) Profit attributable to Owners of the Company 12, 553. 87 12, 549. 28 4. 60 11, 494. 31 1, 059. 57 34, 957. 24 35, 617. 23 ( 659. 99) 47, 019. 38 Earnings per share (In ₹): Basic 5. 07 5. 09 4. 65 14. 13 14. 47 19. 08 Diluted 5. 04 5. 07 4. 62 14. 05 14. 40 19. 01 ₹ in Lakh
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Investor Presentation Consolidated P&L ( FY’26 vs. FY’25 – Quarterly & 9m Results) (with split of operating & other expenses) 25 Particulars Q3 FY’26 Q3 FY’25 Y-o-Y Q2 FY’26 Q-o-Q 9m FY’26 9m FY’25 Y-o-Y FY’25 Revenue from operations 39, 013. 90 36, 974. 29 2, 039. 61 37, 673. 79 1, 340. 11 1, 12, 102. 88 1, 06, 631. 75 5, 471. 13 1, 42, 248. 33 Other income 1, 287. 98 1, 494. 02 ( 206. 04) 1, 220. 18 67. 80 3, 822. 94 3, 922. 07 - 99. 13 5, 263. 66 Total revenue 40, 301. 88 38, 468. 31 1, 833. 57 38, 893. 97 1, 407. 91 1, 15, 925. 82 1, 10, 553. 82 5, 372. 00 1, 47, 511. 99 Expenses Employee benefits expense 12, 445. 75 11, 970. 40 ( 475. 35) 12, 479. 15 33. 40 37, 168. 61 35, 127. 30 ( 2, 041. 31) 46, 907. 85 Finance costs 167. 93 214. 74 46. 81 184. 17 16. 24 545. 77 644. 14 98. 37 847. 31 Depreciation and amortisation expense 2, 533. 15 1, 951. 66 ( 581. 49) 2, 455. 77 ( 77. 38) 7, 073. 30 5, 487. 17 ( 1, 586. 13) 7, 772. 01 Operating expenses 5, 661. 59 5, 007. 96 ( 653. 63) 5, 185. 93 ( 475. 66) 15, 698. 44 14, 118. 82 ( 1, 579. 62) 19, 213. 92 Other expenses 3, 016. 56 2, 713. 21 ( 303. 35) 3, 247. 76 231. 20 9, 156. 86 8, 102. 06 ( 1, 054. 80) 10, 904. 63 Total expenses 23, 824. 98 21, 857. 97 ( 1, 967. 01) 23, 552. 78 ( 272. 20) 69, 642. 98 63, 479. 49 ( 6, 163. 49) 85, 645. 72 Profit before tax from ordinary activities before Share of Profit / (Loss) of Joint venture 16, 476. 90 16, 610. 34 ( 133. 44) 15, 341. 19 1, 135. 71 46, 282. 84 47, 074. 33 ( 791. 49) 61, 866. 27 Share of profit / (loss) of joint venture (net of tax) ( 5. 35) - ( 5. 35) ( 4. 30) ( 1. 05) ( 35. 35) - ( 35. 35) - Profit before tax for the period / year 16, 471. 55 16, 610. 34 ( 138. 79) 15, 336. 89 1, 134. 66 46, 247. 49 47, 074. 33 ( 826. 84) 61, 866. 27 Tax expense Current tax 4, 008. 11 4, 226. 34 218. 23 4, 105. 33 97. 22 11, 853. 50 12, 156. 18 302. 68 15, 897. 55 Adjustment of tax relating to earlier periods ( 235. 10) 0. 52 235. 62 - 235. 10 ( 294. 11) 0. 52 294. 63 ( 142. 98) Deferred tax 238. 79 ( 27. 15) ( 265. 94) ( 162. 03) ( 400. 82) 30. 64 ( 271. 48) ( 302. 12) ( 357. 85) Net tax expense 4, 011. 80 4, 199. 71 187. 91 3, 943. 30 ( 68. 50) 11, 590. 03 11, 885. 22 295. 19 15, 396. 72 Profit / (Loss) for the period 12, 459. 75 12, 410. 63 49. 12 11, 393. 59 1, 066. 16 34, 657. 46 35, 189. 11 ( 531. 65) 46, 469. 55 Non-Controlling Interest ( 94. 12) ( 138. 65) ( 44. 52) ( 100. 72) ( 6. 59) ( 299. 78) ( 428. 12) ( 128. 34) ( 549. 83) Profit attributable to Owners of the Company 12, 553. 87 12, 549. 28 4. 60 11, 494. 31 1, 059. 57 34, 957. 24 35, 617. 23 ( 659. 99) 47, 019. 38 Earnings per share (In ₹): Basic 5. 07 5. 09 4. 65 14. 13 14. 47 19. 08 Diluted 5. 04 5. 07 4. 62 14. 05 14. 40 19. 01 ₹ in Lakh
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ESG & CSR Activities
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Investor Presentation 27 ESG Initiatives CAMS continues to make steady progress on the three pillars of ESG CSR and ESG Committee drives ESG framework The Company has taken Environment as one of its focus areas Commencement of Science Based Target (SBT) setting for reducing GHG emissions in line with the climate change. ESG ratings provided by rating agencies has been categorized under the head “ Aspiring” category indicating that the company is demonstrating a strong commitment to environmental, social, and governance (ESG) principles and is in the process of implementing solid disclosures and initiatives.
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Investor Presentation 28 ENVIRONMENTAL, SOCIAL AND GOVERNANCE (ESG) ESG HIGHLIGHTS: GHG emissions from direct operations and energy consumption- In line with industry averages Carbon footprint from Scope 3 emissions - In line with the standard practices Energy intensity - Aligned with the benchmark Effective management of waste intensity Waste recycling and recovery - High quantity as compared to peers The Environment pillar is driven by the following factors: Employees‘ health insurance coverage - At par with industry norms Balanced workforce with a female employee percentage- In par with the industry standards Lower rate of grievances from employees and workers Frequency of customer complaints lower than the benchmarks The Social pillar is driven by the following factors: Stronger presence of Independent Directors on the board than the minimum required by the regulations Sufficient number of women director on the Board Percentage of independent directors on the committees- Better than the statutory guidelines The Governance pillar is driven by the following factors: Environment Score Social Score Governance Score
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Company Overview
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Investor Presentation CAMS – Business at a Glance Notes: 1. Market share basis Q3 FY’26 2. Based on mutual fund average assets under management managed by clients and serviced by CAMS as per AMFI Technology-driven financial infrastructure and services provider to mutual funds and other financial institutions India’s largest registrar and transfer agent (“RTA”) of mutual funds (“MFs”) with an aggregate market share of ~68%1 Services 10 of the 15 largest MFs2; over 23 years average relationship with 10 largest MF clients Leveraged domain expertise, processes and infrastructure to cater to MFs, AIFs and insurance companies Pan-India physical network comprising 285 service centers spread over 25 states and 5 union territories Established track record of delivering robust financial results; Fastest growing MF RTA with high RoE and EBITDA margins Marquee shareholders, including LIC, HDB, Fidelity, Franklin Templeton, Seafarer, Whiteoak, Vanguard, Government Pension Fund Global, Aditya Birla Sun Life Group, 360 One India Private Ltd Experienced management team with average work experience of over 27 years in a variety of financial services sectors 30
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Investor Presentation Call Centre Services Mail back / SMS Services Service Requests and Account Information Front Office Services Transaction Processing Transaction Origination Operations Investor Services Risk Management Compliance Recording of Empanelled Distributors Recording of Brokerage Structures Brokerage Computation Distributor Queries Extensive Data on Investor Preferences Actionable Insights High Capability of Processing Expertise Innovative Product Development Manage High Volume of Data / Transactions Infrastructural Stability Support Timely Launches of NFOs Operational Integration CAMS – Mutual Fund Services Business 31 Provides a range of technology-enabled infrastructure to mutual funds – Involved through the life cycle of an account from account creation to processing transactions and redemption of the amount invested Service Aggregator Business Enabler Knowledge Partner Customer Care & Investor Services Distributor Services Transfer Agency Services Best Practice Implementation Uniform Regulatory change implementation Business-Continuity Mechanisms
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Investor Presentation Nurturing Innovation Through Our Industry First Products & Solutions 32 Mutual Funds Business Intellige nce Applicati on myCAMS Single gateway, multiple funds Opera360 Smart Audit Portal DiCE Pro Distributor Commission & Empanelment Application Ferreto AML Solutions Watchtower36 0 Insider trading monitoring CAMSKRA CAMS for Alternatives CAMSPay CAMSRep Think360 Instant KYC Feature- rich digital stack Investment and Wealth Management Software Insightfu l market intellige nce Global fund administra tion UPI AutoPay REITs/InvITs Data Benchmarking Institution edge360 Platform for intermedia ries GoCORP Platform for intermedia ries Unconvention al Alternative Data Insights Automate business APIs Digital Onboarding and Video KYC Account Aggregato r Services Data LakePincode level insights Affluence 360 DataX360 RAIDAR Keep consent controlled and DPDP ready AI driven communications adherence to regulatory standards
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Investor Presentation Mutual Fund Services Provided by CAMS 33 Transaction Origination and Processing Accept transaction requests from investors (both paper- based and electronic) Initial verification of transaction request Management of KYC requirements of investors Transaction processing and payment services Send transaction confirmation to investors and distributors Reconcile bank accounts; Compute and pay brokerage fees; Report effect on unit capital Front Office Back Office Services to Asset Management Companies Services to MF Investors Services to Distributors Record keeping and management Anti-money laundering services Periodic statements and alerts Distributor help desk Reporting to govt. authorities Suspicious transaction reporting Assist with Queries / Service Requests Recording of distributors empanelled Compliance with KYC regulations Compliance with scheme document Mail management, mail back services Recording & maintenance of brokerage structures Compliance with SEBI regulations SMS / Online customer service Computation of various brokerage Setting up of accounts Management information reporting Call center to address queries Claw-back of brokerages On-boarding of intermediaries Fee computation and administration Push and pull services Addressing distributor queries 1 2 3 4 CAMS is involved through the life cycle of an account – from account creation to processing to redemption; Also provides statutory statements, transaction origination, operations, investor and distributor services, risk management services and compliance services
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Investor Presentation 34 The leading platform and service partner for alternatives, Combining versatile technology, contemporary digital utilities and full stack services for investor on-boarding, fund accounting and operations has helped us scale to become the largest platform & service partner for alternatives. 520+ funds serviced across 240 fund houses ₹3 Tn. Assets Under Service 250+ Installations of CAMS WealthServ and Fintuple’s digital on-boarding solution 1st RTA at GIFT City to set up full-stack offerings for AIFs
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Investor Presentation 35 CAMS KRA, the second-largest KYC Registration Agency, is rapidly expanding its reach in the capital market. Leveraging AI and automation, we're offering innovative solutions like our 10-minute KYC process to streamline operations and attract new clients. Our focus on operational excellence and strategic partnerships positions us as a preferred fintech solution provider for FY’25. Leading from the front with first-in-the-industry initiatives • 10 Min KYC – the only KRA in the country to process a KYC request in 10 minutes • Nexus – KRA Dashboard for financial institutions to track online PAN registration status with CAMS KRA • WhatsApp KYC – A pioneering industry solution for client onboarding 20% Market Share 2nd largest KRA
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Investor Presentation 36 The premier customer experience platform in India to service both Insurance companies & policy holders empowers over 45 insurance companies with end-to-end operational support and technology-driven solutions. India’s first insurance portfolio management platform, Bima Central, offers policy holder services, renewal reminders, cover dashboard, policy download, policy highlights, etc. 10 Mn.+ e-Insurance (eIA) accounts 13 Mn.+ e-Policies under service 1.6 Mn. Unique Active Bima Central Users 100 K Average Monthly Service Transactions 3.58 Bn. Premium collected by agents across 3.5k+ pin codes 17 Clients Across Life, Health & General Insurers 2.75 Mn. POS Transactions processed Insurer Services
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Investor Presentation 37 Market leader in Mutual Funds payment processing As a scalable, full-stack BFSI-focused payments platform, CAMSPay provides a holistic suite of services that lead the way in achieving same-day NAV processing and expedited on-boarding and authentication of new customers. 13.7 Mn.+ Bank Accounts Validated 5.9 Mn.+ UPI AutoPay Mandate Registrations 1.6 Mn.+ NACH Mandate Registrations
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Investor Presentation Winning strides in the path breaking Account Aggregator arena CAMSfinserv is among the first RBI-licensed account aggregator platform to drive adoption of consent-based sharing of financial asset information among Banks, financial institutions, Fintechs and customers and shape the inevitable future of digital lending, onboarding and advisory. 38 9% Market share 363 Enterprises onboarded on CAMSfinserv 90+ FIPs Integrated including Banks, Insurance companies & CRA
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Investor Presentation 39 Full stack data science & AI-centric solutions to propel BFSI enterprises A trusted advisor and digital partner to marquee Indian BFSI enterprises, Think360 pioneers in Alternative Data and AI Credit Scoring solutions. Think360 offers modern AI capabilities that transform KYC and customer onboarding, and enable financial institutions to rapidly scale their API and partnership infrastructure. AI Products Launched ConsenPro, a DPDPA compliance solution for Regulated Entities 190 + Clients Served 150+ AI & Data Science Experts 90 Mn.+ Customer IDs Processed
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Investor Presentation 40 #2 in eNPS registration 10% Market share in Retail business CAMS industry-first NPS CRA platform on award winning cloud platform Launched by PFRDA Chairman in March’22, CAMS eNPS platform is designed to provide superior subscriber experience leveraging robust technology and deep experience in serving customers for pension account opening, record keeping and maintenance services 10 Out of top 15 PoPs to be operational on CAMS platform 90% C-SAT score
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Investor Presentation Corporate Structure 41 CAMS Insurance Repository Services Limited (CIRSL) Computer Age Management Services Limited 100% CAMS Investor Services Private Limited (CISPL) 100% CAMS Financial Information Services Private Limited (CFISPL) 100% Think Analytics India Pvt Limited 55% Sterling Software Pvt Ltd (SSPL) 100% CAMS Payment Services Private Limited 100% Fintuple Technologies Private Limited 78.5% Think Analytics Consultancy Services Pvt Ltd Think360 AI, Inc (USA) 100% MF Central Technologies Limited (MFC) 50%
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Investor Presentation Dinesh Kumar Mehrotra Chairman & Non - Independent Director Narumanchi Venkata Sivakumar Independent Director Experienced Board of Directors Board of Directors Vijayalakshmi Rajaram Iyer Independent Director Pravin Udhyavara Bhadya Rao Independent Director Santosh Kumar Mohanty Independent Director • Narumanchi Venkata Sivakumar • Dinesh Kumar Mehrotra • Vijayalakshmi Rajaram Iyer • Santosh Kumar Mohanty Audit Committee • Santosh Kumar Mohanty • Pravin Udhyavara Bhadya Rao • Anuj Kumar Stakeholders Relationship Committee • Dinesh Kumar Mehrotra • Narumanchi Venkata Sivakumar • Anuj Kumar CSR and ESG Committee • Vijayalakshmi Rajaram Iyer • Dinesh Kumar Mehrotra • Santosh Kumar Mohanty Nomination & Remuneration committee • Vijayalakshmi Rajaram Iyer • Narumanchi Venkata Sivakumar • Pravin Udhyavara Bhadya Rao Risk Management Committee 42 Anuj Kumar Managing Director
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Investor Presentation Experienced management team with 27+ years average tenure, skilled in business growth, diversification, and innovation • Joined the company in March 2016 • Previously associated with Godrej & Boyce, Escorts Finance & IBM India Anuj Kumar – Managing Director • Joined the company in March 2020 • Previously associated with Photon Interactive and Reliance Jio Infocomm Ramcharan Sesharaman – Chief Financial Officer • Joined the company in April 2017 • Previously associated with Naukri, 99acres and Shiksha, and Sulekha Soumendu Sekar Ganguly – Chief Operating Officer • Joined the company in December 2019 • Previously associated with Tata Consultancy Services and Wipro Ravi Kethana – Chief Platform Officer • Joined the company in Sep 2024 • Previously associated with Worldline, Edelweiss Financial services, Lady Blush, Ibibo Web Pvt Ltd., etc. Rahul Sethi – Chief Marketing Officer • Joined the company in 2002 • Previously associated with UTIMF ES Varadharajan – Chief Risk & Process Officer • Joined the company in June 2011 • Previously associated with BPL, Precot Meridian & SJK Steel Plant Manikandan Gopalakrishnan – Company Secretary & Compliance Officer • Joined the company in May 2024 • Previously associated with Indian Navy Deepak Kumar Singh – Chief Information Security Officer • Joined the company in June 2009 • Previously associated with Metropolitan Life USA, JM Financial Asset Management and JP Morgan Asset Management India Prabal Nag – Chief Business Officer • Joined the company in September 2017 • IDFC Bank, Yes Bank, Barclays Bank, Infosys Girish Sankar – Chief Strategy Officer & Business Head – Alternatives & AA Syed Hassan – Chief Program Officer • Joined the company in March 2022 • Previously associated with DXC Technology, Britannia Industries, Unilever 43 • Joined the company in October 2016 • Previously associated with TCS Neha Sanjeev – Chief of Staff
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Investor Presentation Experienced management team with 27+ years average tenure, skilled in business growth, diversification, and innovation • Joined the company in March 2018 • Previously associated with Big4 consulting firms in the US, such as Accenture & Capgemini Kaushik Narayan, Chief Executive Officer – Fintuple • Joined the company in December 2020 • Previously associated with 3i Infotech, PwC US, EXL and TCS Amit Das, Co-Founder and Chief Executive Officer – Think360 AI • Joined the company in June 2022 • Previously associated with NSDL, now Protean e-Gov Technologies Ltd Prasenjit Mukherjee,Senior Vice President and Business Head – CAMS CRA • Joined the company in March 2022 • Previously associated with BFSI organization’s such as Edelweiss Tokio Life, ING Group, Exide Life Insurance and SBI Capital markets Vivek Bengani, Chief Executive Officer – CAMSRep • Joined the company in 2nd January 2023 • Previously associated with PwC US and FICO Suryadip Ghoshal, Co-Founder and Chief Analytics Officer – Think360 AI • Joined the company in February 2022 • Previously associated with HFCL, ABN Amro Bank, Bill Junction Payments, Bharti Airtel and ICIC Bank Tejinder Pal Singh Manchanda, Chief Executive Officer – CAMSfinserv 44 • Joined the company in 2016 • Previously associated with Sundaram Finance, Sundaram Business Services, Idea Cellular Anish Jagdish Sawlani, Chief Executive Officer – CAMS KRA • Joined the company in October 2017 • Bennett, Coleman & Co. Ltd., Agenda Net marketing Ltd. and Financial Software & Systems Pvt. Ltd. Vasanth Emmanuel Jeyapaul, Chief Executive Officer – CAMSPay
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Investor Presentation History / Milestones 45 1988 • Our Company was incorporated as Computer Age Management Services Private Limited and received a certificate of incorporation from the RoC on May 25, 1988 1993 • Our Company was issued a certificate of registration as a Registrar to an Issue under category II, dated December 24, 1993 by SEBI 1995 • The certificate of registration was issued to our Company was upgraded and a fresh certificate of registration as Registrar to an Issue and Share Transfer Agent under category I, dated July 22, 1995, was issued by SEBI to our Company 2006 • Our Company was issued a certificate of registration dated June 1, 2006 by SEBI to act as a depository participant for NSDL 2007 • Our Company was issued a certificate of registration dated January 31, 2007 by SEBI to act as a depository participant for CDSL 2011 • CIRSL was incorporated on May 12, 2011 • CIRSL had received in- principle approval of IRDAI to carry on business as an insurance repository 2016 • CFISPL was incorporated on September 26, 2016 2018 • Great Terrain acquired 37.50% stake in our Company 2020 • Listed in BSE on October 1st, 2020 • RBI registration for account aggregator Services • Incorporation of CAMSPay (payment aggregator services) 2021 • Certification of Registration for CRA Services • Franklin Templeton Go-Live • Set up office in GIFT City • Account aggregator launch • MF Central launch 2013 • CIRSL was issued a certificate of registration dated July 31, 2013 by IRDAI to carry on the business as an insurance repository • Our Company acquired 100% stake in SSPL, which provides technology support to our Company 2012 • CISPL was incorporated on February 13, 2012 • CISPL was issued a certificate of registration dated June 29, 2012 to carry on the business as a KRA 2022 • CAMS CRA Go-Live • Acquired majority stake in Fintuple Technologies Pvt Ltd • Launched innovation lab at IIT Madras 2023 • CAMSPay receives in- principle authorization from RBI to operate as a Payment Aggregator • CAMS Acquires majority stack in Think360 AI 20242019 • Our Company was converted into a public limited Company and received a fresh certificate of incorporation from the RoC on September 27, 2019; and Great Terrain acquired 6.03% stake in our Company • CAMSPay receives final approval from RBI to operate as a Payment Aggregator • Launch of REIT platform CompaREITnow • JV formed along with Kfin technologies for MFCentral • Acquired KRA business of NSE 2025
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Investor Presentation Awards and Accolades 46 FY23-24 • CAMS Wins LACP vision for Annual Report • CAMS FE CFO Awards CAMS was selected in the Small Enterprises category CFO Mr. Ramcharan Sesharaman was honoured with the prestigious Award • BW HR Excellence Awards 2023 For Employee Engagement strategy category • Economic Times Datacon Award 2023 under Smart Data Applications Software category • CAMSfinserv Wins Banking Frontier’s Technoviti 2023 for implementing Account Aggregator based bank account validation in myCAMS Application (with 6 Mn+ registered users) for Third Party verification • Think360 AI has been recognized by Fintech Global in the 3rd Edition of the AIFintech100 list • Think360 AI is now a Great Place to Work Certified ™ Company • HDFC Bank has honored CAMSPay with the prestigious ‘Best Corporate Technology Adoption’ award • CAMS was the 𝗪𝗜𝗡𝗡𝗘𝗥 for the award category “𝗡𝗲𝘄 𝗜𝗻𝗶𝘁𝗶𝗮𝘁𝗶𝘃𝗲𝘀 𝗜𝗧 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗔𝘄𝗮𝗿𝗱” at the “𝟭𝟲𝘁𝗵 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝗗𝗮𝘁𝗮𝗖𝗲𝗻𝘁𝗲𝗿 𝗦𝘂𝗺𝗺𝗶𝘁 & 𝗔𝘄𝗮𝗿𝗱𝘀 𝟮𝟬𝟮𝟯” organized by UBS Forums Pvt. Ltd • Think360 AI has been recognized as ‘Top Data Science Services Providers’ by AIM Research • Think360.AI was awarded with 'Best Data Intelligence Analytics Developer 2023' in the Small Business Awards Category at Global Business Awards • “𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗔𝘄𝗮𝗿𝗱” at the “𝟭𝟲𝘁𝗵 𝗘𝗱𝗶𝘁𝗶𝗼𝗻 𝗗𝗮𝘁𝗮𝗖𝗲𝗻𝘁𝗲𝗿 𝗦𝘂𝗺𝗺𝗶𝘁 & 𝗔𝘄𝗮𝗿𝗱𝘀 𝟮𝟬𝟮𝟯” organized by UBS Forums Pvt. Ltd. FY25-26 • Think360 AI has been recognized as ‘Top Data Science Services Providers’ by AIM Research • Think360.AI was awarded with 'Best Data Intelligence Analytics Developer 2023’ in the Small Business Awards Category at Global Business Awards • Banking Frontier’s Technoviti Awards 2024 – CAMSfinserv for ‘LAMF solution’ • Bank Frontier’s Technoviti Awards 2024 – CAMSPay for ‘Daily SIP on UPI AutoPay’ • Business World Award 2024 Young Leader under 40’ award for – Anish Sawlani, CEO of CAMSKRA • Business World Award 2024 – CAMSfinserv was awarded for ‘Open Banking Solution’ • Tatva awards 2024 – CAMSPay for Best Service Provider award for AutoPay and CAMSRep for ‘Digital Payment Solutions’ from ICICI Prudential Life Insurance • CAMS Insurance Repository – ‘Best Use of Technology’ award at the Insurance Leaders Meet 2024 & Excellence Awards • CAMSRep was awarded for ‘Best in Class for Tech-Enabled Innovation’ at the ASSOCHAM 16th Global Insurance Summit & Award 2024 • Drivers of Digital Awards-Bima Central by CAMSRep – Best Use of Digital Media (Insurance Category) • Drivers of Digital Awards-CAMSPay – Best Online Payments Solution (BFSI)
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Investor Presentation Awards and Accolades 47 FY25-26 • Awards 2025 – for Bima Central’s role in solving insurance usage for the whole of India • CAMSPay has been awarded for ‘Excellence in Payment Aggregation – BFSI– Merchant Category’ by Inkspell Media • Best Insurance Tech Solution’ Award at the Global Fintech Festival Awards 2025 • Best InsurTech of the Year’ Award at the Asia Fintech Awards 2025 – First International Award • 4-Star Innovation Rating by Aegis Graham Bell Award, recognized by Ministry of Electronics and Information Technology • 5th time TATAVA Annual Award Winner. ‘Policyholder Payout Processing for Retail & Group’ by ICICI Prudential Lif • Think 360-Best RegTech Innovation at the ET BFSI Exceller Awards 2025 • Inclusion in the AIFintech100 (2025) list of the world’s most innovative AI solution providers • Recognition by AIM Research as one of the 50 Best Firms for Data Scientists to Work For (2025) • CAMS was recognised for ‘Best Innovation in RegTech’ at the India FinTech Awards 2025 • CAMS’s journey, with Anuj Kumar, Managing Director, CAMS, being honoured with the ‘ET Edge Impact CEO of the Year’ award, in the category of Turnaround Leader
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Investor Presentation Shareholders’ Information 44.66% 14.22% 6.31% 1.42% 33.39% FPIs MFs Insurance Cos AIF Others Market Capitalisation Rs.18,348.43 Cr Market Capitalisation Rs.18,348.43 Cr. Shares Outstanding 24,76,50,635 Free Float Rs.18,348.43 Cr. Scrip Symbol / Code CAMS / 543232 Stock Data Shareholding Pattern (%) Top Shareholders Life Insurance Corporation of India HDB Employee Welfare Trust Franklin Templeton Investment Fidelity Investment Seafarer Overseas Ashoka Whiteoak Vanguard Group Government Pension Fund Global Aditya Birla Sun Life Group 360 One India Private Equity Fund Note : Data as on 31st December 2025 48
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COMP ANY: Computer Age Management Services Limited (CAMS) Mr .Anish Sawlani |Head – IR |+91 72990 07973 | anish.sawlani@camsonline.com Ms. Gayathri Krishna | Executive - IR |+91 8754413541| gayathri.k@camsonline.com INVESTORRELATIONSADVISORS : MUFG Intime India Private Limited Thank You Mr . Nikunj Seth +91 9773397958 nikunj.seth@in.mpms.mufg.com Ms. Sejal Bhattar +91 7666736666 sejal.bhattar@in.mpms.mufg.com Meeting Request Link