Slides
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Investor Presentation Q1 FY’26 (for the quarter and period ended June 30, 2026) Investor Presentation Q1 FY’27 1
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Safe Harbour Statement 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 information about 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 information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is 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 uncertainties include, 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 statements and projections. Investor Presentation 2
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Presentation Flow MF - Operational Highlights – Q1 FY’27 Page No: 8 Business Overview Financials Revenue Highlights – Q1 FY’27 Page No: 14 Revenue Profile – Q1 FY’27 Page No: 16 Consolidated Financial Highlights – Quarterly Page No: 17 About CAMS Business at a Glance Page No: 25 Mutual Fund Services Business Page No: 26-28 Board of Directors Page No: 37 Non-MF Businesses Page No: 29-35 Corporate Structure Page No: 36 History / Milestones Page No: 40 Awards & Accolades Page No: 41-42 Shareholding Page No: 43 Management Team Page No: 38-39 Standalone & Consolidated P&L – FY’27 & FY’26 Page No: 18-21 MF Industry vs. CAMS – Q1 FY’27 Page No: 9 Business updates Page No: 11-12 Business Highlights Q1 FY’27 Page No: 5-7 Financial Highlights – Q1 FY’27 Page No: 15 Operational Metrics Q1 FY’27 Page No: 10 Update on ESG Initiatives Page No: 23 Investor Presentation 3
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1. Business Overview 2. Financials 3. ESG & CSR Activities 4. Company Overview 4
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Business Highlights Q1 FY’27 Operating revenue grew 11.5% Y-o-Y to ₹395 Cr., reflecting sustained business momentum Financial Highlights EBITDA grew 18.3% Y-o-Y to ₹183 Cr. despite challenging market conditions, reflecting the resilience of CAMS’s business model and continued operating momentum Revenue diversification on track as non-MF businesses grew 28.4% Y-o-Y, while one non-MF business crossed the 5% revenue contribution mark for the first time Mutual fund asset-based revenue grew by 11.2 % Y-o-Y EBITDA margin expanded by 270 basis points to 46.4% from 43.7% Y-o-Y, driven by operating leverage and disciplined cost management Profit After Tax (PAT) grew 17.3% Y-o-Y to reach ₹128 Cr. in Q1 FY’27, leading to an improvement in PAT margin to 31.1%, reflecting healthy profitability Investor Presentation 5
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Business Highlights Q1 FY’27 Mutual Funds CAMS AuM grew 14.8% Y-o-Y to a record ₹56 Lakh Cr. In Q1 FY'27, while sustaining its dominant market position with a 67.2% share Live SIP accounts grew 18.8% Y-o-Y to 6.72 Cr., significantly ahead of industry growth of 14.4%. Market share improved to 63.9% from 61.5% a year ago SIP collections grew 20.7% Y-o-Y to ₹59,681 Cr. in Q1FY’27, outperforming industry collections growth of 16.5% CAMS’s unique investor base expanded 16.8% Y-o-Y to over 4.85 Cr., outpacing industry growth of 12.1% The Specialized Investment Fund (SIF) segment continues to gain traction. CAMS has launched 11 SIFs to date, collectively crossing ₹10,000 crore in AuM. With over 8,000 distributors and 45,000 investors participating in the segment, growth momentum is expected to strengthen further in the coming months AlphaGrep Mutual Fund went live with its maiden NFO on July 6, 2026. ASK, Carnelian, Oaklane and Neo are expected to go live over the next three months, taking CAMS’ client base to 31 AMCs GIFT City Retail Funds crossed 10,000 investors, with monthly gross sales of ₹200 Cr. and AuM of ₹750 Cr. Investor Presentation Equity AuM grew 17.6% Y-o-Y , outperforming industry growth at 16.4%, to reach a record ₹31.4 lakh crore. Equity net sales at ₹86,026 Cr. grew by 43% Y-o-Y , ahead of industry growth at 39% 6
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Business Highlights Q1 FY’27 Investor Presentation AI-led transformation gaining traction: 10%+ physical financial transactions via AI at the maker layer; 4/8 extraction types live Key platforms on track: Fundsnet planned for Sep’26 go-live and complete deprecation of old platform by Q4 FY’26; CAMSLens 2.0, e-KYC, revamped KRA and Data Warehouse progressing as planned Beyond Mutual Funds Non-MF Revenue grew 28.4% Y-o-Y in Q1 FY'27, highlighting the success of CAMS’ diversification strategy beyond core MF operations. Share of non MF revenue stood at 14.9% CAMSPay’s revenue grew 69.1% Y-o-Y; 17 new deals signed in Q1 FY’27, reflecting strong client acquisition momentum. CAMS Alternatives achieved a strong quarter, with revenue up 25.6% Y-o-Y in Q1 FY’27. With AuM crossing 3.2 Lakh Cr., CAMS reinforced its dominance in the Alternatives market, winning 50 new mandates, including 23 marquee new logos CAMS KRA recorded a marginal 2.6% Y-o-Y decline in revenue in Q1 FY’27, despite a market wide recommended rate revision ~29% and subdued market activity. It also received in-principle approval as an IFSCA-authorised KRA in GIFT City on July 1, 2026, unlocking a significant growth opportunity CAMSRep’s Bima Central grows its unique user base by 45%, adds 8.3 Lakh unique user in Q1 FY’27 ConsenPro, a consent lifecycle management platform jointly developed by CAMS and Think360, is being shaped to address specific industry-wide consent management challenges, with early wins from BFSI and enterprise clients as organizations navigate evolving DPDPA compliance requirements 7
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Mutual Funds – Operational Highlights – Q1 FY’27 Q1 FY’27 24.4 Cr. Q1 FY’26 29.2 Cr. 20% Growth Y-o-Y Transactionvolume Equity AUM (Rs Lakh Cr.) EquityNet Sales^ (₹ Cr.) UniqueInvestorGrowthNFO Mobilization(in₹ Cr.) SIP Collections(₹ Cr.) ^Equity includes Growth & Equity oriented Schemes , IndexEquity And HybridexcludingArbitrage 3,442 Q1 FY’26 Q1 FY’27 52% Share* 53% Share* 918 ❑ Equity Net Sales increased by 43% Y-o-Y ,Industry growth was at -39% 60K 86 K Q1 FY’26 Q1 FY’27 65.4% Share 68.2% Share 43% Growth Y-o-Y 18% Growth Y-o-Y 21% Growth Y-o-Y 17% Growth Y-o-Y vs. 12% for industry 49K 59.7K Q1 FY’26 61.3% Share 63.6% Share Q1 FY’27 4.15 Cr. 4.85 Cr. Jun’25 Jun’26 26.7 31.4 66.1% Share 66.8% Share Q1 FY’26 Q1 FY’27 Investor Presentation 8
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Mutual Fund Industry vs. CAMS AAuM – Q1 FY’27 CAMS – Market Share (based on Quarterly AAuM) 67.2%* *Market share & AuM does not include fund of fund Domestic| AuM including FOF domestic for Q1 FY’27 - ₹57.33 Tn, Q4 FY’26 - ₹56.59 Tn., Q1 FY’26 - ₹ 49.34Tn. Yield calculated on this AuM # Equity includes Growth & Equity Oriented schemes, Index-Equity & Hybrid excluding Arbitrage Net flows into equity assets reached ₹ 86,026Cr. in Q1 FY’27 Inflows through SIPs increased by 21% Y-o-Y / 1% Q-o-Q AAuM Serviced by CAMS ₹55.9 Tn. 14.8% Y-o-Y 1.4 % Q-o-Q Equity AAuM – CAMS ₹31.4 Tn. 17.6% Y-o-Y 2.9% Q-o-Q ₹83.1 Tn. Industry AAuM Equity AAuM # – Industry ₹47.0 Tn. Q1 FY’27 15.3% Y-o-Y 2.0 % Q-o-Q 16.4% Y-o-Y 3.3% Q-o-Q 9 Investor Presentation
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Transaction Volume 292.3 Mn. Y-o-Y: 19.7% Q-o-Q: 0.2% Live Investor Folios 116.2 Mn. (as on June 30, 2026) Y-o-Y: 19.4% Q-o-Q: 5.8% Unique Investors Serviced 48.5 Mn. (as on June 30, 2026) SIP Book 67.2 Mn. (as on June 30, 2026) Y-o-Y: 18.8% Q-o-Q: 0.3% Systematic Transactions Processed 240.3 Mn. Y-o-Y:18.2% Q-o-Q: 3% Y-o-Y: 16.8% Q-o-Q: 2% Operational Metrics – Q1FY’27 10 Investor Presentation
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Beyond MF o CAMS Alternatives posted a strong revenue growth of 25.6% Y-o-Y growth o Continued momentum in business acquisition with 50 new mandates, including 23 first-time clients; Overall AuM crosses ₹3.20 Lakh Cr. o CAMS‘ digital stack for alternative segment continues to gain strong traction across the industry. Total signups on WealthServ platform crossed 288 with addition of 20 mandates during the quarter o Strengthened GIFT City footprint with 40+ funds outsourcing services 11 o Delivered 69.1% Y-o-Y revenue growth, reflecting continued momentum across the payments business o Secured 17 new mandates during the quarter o Processed 13.4 Mn. bank account verifications during the quarter, a 32% Y-o-Y growth further strengthening CAMSPay’s position as a trusted digital onboarding and verification partner for the BFSI ecosystem o CAMSPay continues to broaden its revenue streams, with Cards driving strong momentum and Education emerging as a new growth vertical through university and ERP partner onboarding Investor Presentation o Amid softer market activity, CAMS KRA’s revenue edged down 2.6% Y-o-Y in Q1 FY'27 despite a market wide recommended rate revision of ~29% o Received in-principle approval as an IFSCA-authorised KYC Registration Agency (KRA) in GIFT City on July 1, 2026 which unlocks a powerful market opportunity o Onboarded 58 new intermediaries during the quarter reflecting deep market confidence in CAMS KRA’s technology-led platform and service quality
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Beyond MF o CAMS finserv recorded a 45.3% Y-o-Y growth in revenue on the back of strong product offerings o CAMS finserv strengthened its commitment to the ecosystem through a ₹1 Cr. equity participation in Sahamati (SRO-AA) and continues to contribute to industry governance and key initiatives through its Board Observer role o Secured 23 new deals which included stockbrokers, portfolio managers and lenders o CAMS CRA registered 75% Y-o-Y growth on subscriber base o Nivruti Platform (PoP solution) continues to gain momentum with a successful deployment at a leading pension fund and a new mandate secured from another fund o e-NPS accounted for 8% of new accounts in Q1 of FY’27 o Bima Central added 8.3 lakh unique users in Q1 FY 27, growing its base by 45% taking the cumulative unique user base beyond 25 lakhs o Bharti AXA Life Insurance became third insurer to bring their entire policyholder base to Bima Central o 2 large distributors signed up for Bima Central & Bima Central Administrator, enabling single stop policy servicing for distributors 12 o ConsenPro gaining strong momentum with BFSI & enterprise pipelines; accelerating demand for DPDPA compliance solutions with end-to-end consent lifecycle management Investor Presentation o KwikID remained the anchor product offering for Think360 driving its key revenue for client base o Personal Finance Manager live with one of the largest PSU Banks
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1. Business Overview 2. Financials 3. ESG & CSR Activities 4. Company Overview 13
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Revenue Highlights – Q1 FY’27 Investor Presentation ₹39502.95 Lakh Q-o-Q Y-o-Y11.5 % Revenue Asset Mix Equity component: Q1 FY’27 @ 54.3% (Q4 FY'26: @ 53.5% / Q1 FY'26: @ 53.8%) 14 Asset Based Revenue Non-Asset Based Revenue MF Revenue Non-MF Revenue (2.6%) Q-o-Q 28.4% Y-o-Y 1.4% Q-o-Q 11.2% Y-o-Y (5.9%) Q-o-Q (3.5%) Y-o-Y 0.4% Q-o-Q 9.0% Y-o-Y ₹
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Investor Presentation Operating EBITDA – 46.4% (0.3%) Q-o-Q PBT – 42.3% 19.6% Y-o-Y PAT – 31.1% 17.3% Y-o-Y 15,482 18,366 18,320 Q1 FY’26 Q4 FY’26 Q1 FY’27 Return on Net-Worth* 36.8% ** Cash & Cash Equivalent as on 30th June’26 was Rs.971.45 Cr. Interim Dividend: ₹ 2.50 Per share ❑ * 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 – Q1 FY’27 15 14,543 16,707 17,397 Q1 FY’26 Q4 FY’26 Q1 FY’27 10,909 12,643 12,802 Q1 FY’26 Q4 FY’26 Q1 FY’27 Profit numbers are after considering the non-cash charge (ESOPs) amounting to ₹ 1.9 Cr. (Q1 FY’27), ₹ 4.2 Cr. (Q1 FY’26) and ₹ 2.4 Cr. (Q4 FY’26) 18.3% Y-o-Y 4.1% Q-o-Q (1.2%) Q-o-Q Investor Presentation
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Investor Presentation Revenue Profile Q1 FY’27 35,415 39,522 39,503 30th June 2630th June 25 31st March 26 11.5% Quarter ended Particulars Quarter ended 30th June 25 31st March 26 30th June 26 AIF 2.8% 3.1% 3.1% CAMSPay 3.7% 5.0% 5.7% CAMS Rep 1.5% 1.7% 1.4% Think360 AI 1.3% 1.1% 1.1% CAMSKRA 2.1% 2.6% 1.9% Others 1.6% 1.8% 1.7% Non-Mutual Fund 13.0% 15.3% 14.9% Revenue Breakup Quarter ended 74.3% 73.0% 74.1% 12.7% 11.7% 11.0% 13.0% 15.3% 14.9% 100% MF – Assets Based MF-Non assets Based Non-Mutual Fund Revenue (In ₹ Lakh) Breakup of Non-Mutual Fund Investor Presentation 16 30th June 25 31st March 26 30th June 26
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Investor Presentation Consolidated Financial Highlights – Quarterly 35,415 37,674 39,014 39,522 39,503 FY26 Q1 Q2 Q3 Q4 FY27 Q1 Total Operating Revenue Total Revenue 15,482 16,813 17,936 18,366 18,320 43.7% 44.6% 46.0% 46.5% 46.4% FY26 Q1 Q2 Q3 Q4 FY27 Q1 OP .EBITDA & OP . EBITDA in % OP.EBITDA OP.EBIDA in (%) 14,543 15,437 16,565 16,707 17,397 39.6% 39.7% 41.1% 40.9% 42.3% FY26 Q1 Q2 Q3 Q4 FY27 Q1 PBT & PBT in % PBT PBT in (%) In INR Lakh In INR Lakh In INR Lakh In INR Lakh 10,909 11,494 12,554 12,643 12,802 29.7% 29.6% 31.1% 31.0% 31.1% FY26 Q1 Q2 Q3 Q4 FY27 Q1 PAT & PAT in % PAT PAT in (%) Numbers are after eliminating non-controlling interest in Think Analytics & Fintuple Technologies | After considering share of loss in MFC JV Investor Presentation 17
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Investor Presentation Q1 FY’27 & FY’26 Standalone P&L Particulars Q1 FY'27 Q1 FY'26 Y-o-Y Q4 FY'26 Q-o-Q FY'26 Revenue from operations 35,304.80 33,438.27 1,866.53 35,700.73 (395.93) 1,41,225.69 Other income 1,464.16 1,058.30 405.86 1,087.84 376.32 4,238.05 Total revenue 36,768.96 34,496.57 2,272.39 36,788.57 (19.61) 1,45,463.74 Expenses Employee benefits expense 9,519.89 9,705.65 185.76 9,813.97 294.08 39,256.72 Finance costs 128.82 162.71 33.89 130.91 2.09 592.38 Depreciation and amortisation expense 2,163.56 1,796.13 (367.43) 2,478.87 315.31 8,661.14 Other expenses 8,636.36 8,815.69 179.33 10,764.59 2,128.23 38,534.16 Total expenses 20,448.63 20,480.18 31.55 23,188.34 2,739.71 87,044.40 Profit before tax 16,320.33 14,016.39 2,303.94 13,600.23 2,720.10 58,419.34 Tax expense Current tax 4,075.46 3,508.56 (566.90) 4,160.10 84.64 15,205.97 Current tax expense of earlier years - - - (221.34) (221.34) (456.43) Deferred tax 63.51 (11.17) (74.68) (237.77) (301.28) (39.81) Net tax expense 4,138.97 3,497.39 (641.58) 3,700.99 (437.98) 14,709.73 Profit / (Loss) for the period 12,181.36 10,519.00 1,662.36 9,899.24 2,282.12 43,709.61 Earnings per share (In ₹): Basic 4.91 4.26 3.99 17.66 Diluted 4.89 4.24 3.98 17.56 ₹ in Lakh Investor Presentation 18
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Investor Presentation Q1FY’27 & FY’26 Standalone P&L (with split of operating & other expenses) Particulars Q1 FY’27 Q1 FY’26 Y-o-Y Q4 FY’26 Q-o-Q FY’26 Revenue from operations 35,304.80 33,438.27 1,866.53 35,700.73 (395.93) 1,41,225.69 Other income 1,464.16 1,058.30 405.86 1,087.84 376.32 4,238.05 Total revenue 36,768.96 34,496.57 2,272.39 36,788.57 (19.61) 1,45,463.74 Expenses Employee benefits expense 9,519.89 9,705.65 185.76 9,813.97 294.08 39,256.72 Finance costs 128.82 162.71 33.89 130.91 2.09 592.38 Depreciation and amortisation expense 2,163.56 1,796.13 (367.43) 2,478.87 315.31 8,661.14 Operating expenses 5,797.56 6,298.38 500.82 6,098.24 300.68 25,795.57 Other expenses 2,838.80 2,517.31 (321.49) 4,666.35 1,827.55 12,738.59 Total expenses 20,448.63 20,480.18 31.55 23,188.34 2,739.71 87,044.40 Profit before tax 16,320.33 14,016.39 2,303.94 13,600.23 2,720.10 58,419.34 Tax expense Current tax 4,075.46 3,508.56 (566.90) 4,160.10 84.64 15,205.97 Current tax expense of earlier years - - - (221.34) (221.34) (456.43) Deferred tax 63.51 (11.17) (74.68) (237.77) (301.28) (39.81) Net tax expense 4,138.97 3,497.39 (641.58) 3,700.99 (437.98) 14,709.73 Profit / (Loss) for the period 12,181.36 10,519.00 1,662.36 9,899.24 2,282.12 43,709.61 Earnings per share (In ₹): Basic 4.91 4.26 3.99 17.66 Diluted 4.89 4.24 3.98 17.56 ₹ in Lakh Investor Presentation 19
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Investor Presentation Q1FY’27 & FY’26 Consolidated P&L Particulars Q1 FY'27 Q1 FY'26 Y-o-Y Q4 FY'26 Q-o-Q FY'26 Revenue from operations 39,502.95 35,415.19 4,087.76 39,522.02 (19.07) 1,51,624.90 Other income 1,658.17 1,314.78 343.39 1,293.77 364.40 5,116.71 Total revenue 41,161.12 36,729.97 4,431.15 40,815.79 345.33 1,56,741.61 Expenses Employee benefits expense 12,366.49 12,243.71 (122.78) 12,533.37 166.88 49,701.98 Finance costs 148.04 193.67 45.63 152.60 4.56 698.37 Depreciation and amortisation expense 2,454.73 2,084.38 (370.35) 2,804.07 349.34 9,877.37 Other expenses 8,862.56 7,743.46 (1,119.10) 8,677.06 (185.50) 33,532.36 Total expenses 23,831.82 22,265.22 (1,566.60) 24,167.10 335.28 93,810.08 Profit before tax from ordinary activities before Share of Profit / (Loss) of Joint venture 17,329.30 14,464.75 2,864.55 16,648.69 680.61 62,931.53 Share of profit / (loss) of joint venture (net of tax) (24.50) (25.70) 1.20 (40.85) 16.35 (76.20) Profit before tax for the period / year 17,304.80 14,439.05 2,865.75 16,607.84 696.96 62,855.33 Tax expense Current tax 4,425.21 3,740.06 (685.15) 4,571.40 146.19 16,424.90 Current tax expense of earlier years - (59.01) (59.01) (221.17) (221.17) (515.28) Deferred tax 170.07 (46.12) (216.19) (286.76) (456.83) (256.12) Net tax expense 4,595.28 3,634.93 (960.35) 4,063.47 (531.81) 15,653.50 Profit / (Loss) for the period 12,709.52 10,804.12 1,905.40 12,544.37 165.15 47,201.83 Non-Controlling Interest (92.07) (104.93) (12.87) (98.96) (6.89) (398.74) Profit attributable to Owners of the Company 12,801.59 10,909.05 1,892.53 12,643.33 158.26 47,600.57 Earnings per share (In ₹): Basic 5.16 4.41 5.10 19.23 Diluted 5.14 4.39 5.08 19.13 ₹ in Lakh Investor Presentation 20
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Investor Presentation Q1FY’27 & FY’26 Consolidated P&L (with split of operating & other expenses) ₹ in Lakh Investor Presentation Particulars Q1 FY'27 Q1 FY'26 Y-o-Y Q4 FY'26 Q-o-Q FY'26 Revenue from operations 39,502.95 35,415.19 4,087.76 39,522.02 (19.07) 1,51,624.90 Other income 1,658.17 1,314.78 343.39 1,293.77 364.40 5,116.71 Total revenue 41,161.12 36,729.97 4,431.15 40,815.79 345.33 1,56,741.61 Expenses Employee benefits expense 12,366.49 12,243.71 (122.78) 12,533.37 166.88 49,701.98 Finance costs 148.04 193.67 45.63 152.60 4.56 698.37 Depreciation and amortisation expense 2,454.73 2,084.38 (370.35) 2,804.07 349.34 9,877.37 Operating expenses 5,696.72 4,850.92 (845.80) 5,446.69 (250.03) 20,971.42 Other expenses 3,165.84 2,892.54 (273.30) 3,230.37 64.53 12,560.94 Total expenses 23,831.82 22,265.22 (1,566.60) 24,167.10 335.28 93,810.08 Profit before tax from ordinary activities before Share of Profit / (Loss) of Joint venture 17,329.30 14,464.75 2,864.55 16,648.69 680.61 62,931.53 Share of profit / (loss) of joint venture (net of tax) (24.50) (25.70) 1.20 (40.85) 16.35 (76.20) Profit before tax for the period / year 17,304.80 14,439.05 2,865.75 16,607.84 696.96 62,855.33 Tax expense Current tax 4,425.21 3,740.06 (685.15) 4,571.40 146.19 16,424.90 Current tax expense of earlier years - (59.01) (59.01) (221.17) (221.17) (515.28) Deferred tax 170.07 (46.12) (216.19) (286.76) (456.83) (256.12) Net tax expense 4,595.28 3,634.93 (960.35) 4,063.47 (531.81) 15,653.50 Profit / (Loss) for the period 12,709.52 10,804.12 1,905.40 12,544.37 165.15 47,201.83 Non-Controlling Interest (92.07) (104.93) (12.87) (98.96) (6.89) (398.74) Profit attributable to Owners of the Company 12,801.59 10,909.05 1,892.53 12,643.33 158.26 47,600.57 Earnings per share (In ₹): Basic 5.16 4.41 5.10 19.23 Diluted 5.14 4.39 5.08 19.13 21
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1. Business Overview 2. Financials 3. ESG & CSR Activities 4. Company Overview 22
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ESG Achievements Replacement of Air Conditioners (Acs) after end-of-life with AC’s that are compatible with refrigerants that have lesser GWP factor Encouraged use of Charging station for e-Bikes and Electric cars Procurement of 29% of renewable energy • Pursuant to Regulation 34(2)(f) of the SEBI (LODR) Regulations, 2015, the Company is required to comply with the Business Responsibility and Sustainability Reporting (BRSR) framework as a part of Annual reporting obligations • BRSR reflects the Environmental, Social and Governance (ESG) aspects of the business • In addition to the above, mandatory assurance on the BRSR Core indicators from the FY 2025-26 as the Company falls within Top 500 listed entities as per the market capitalization • Engagement of an external agency for deciding an efficient roadmap to BRSR and for achieving the Net Zero Targets in accordance with the Science Based Target initiative (SBTi) • BRSR report and Limited Assurance report for the FY 2025-26 have been published as a part of the Annual report of the Company Investor Presentation 23
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1. Business Overview 2. Financials 3. ESG & CSR Activities 4. Company Overview 24
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CAMS – Business at a Glance Notes: 1. Market share basis Q1 FY’27 2. Based on mutual fund average assets under managementmanagedby 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 67.2% Services 9 of the 15 largest MFs2; over 23.3 years average relationshipwith 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, HDB, Fidelity, Seafarer, LIC, Whiteoak, Vanguard, Aditya Birla Sun Life, Franklin Templeton Experienced management team with average work experience of over 27 years in a variety of financial services sectors 25Investor Presentation 2 5
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Call Centre Services Mail back / SMS Services ServiceRequests 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 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 redemptionof 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 26Investor Presentation
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Mutual Funds Business Intelligence Application myCAMS Single gateway, multiple funds Opera360 Smart Audit Portal DiCE Pro Distributor Commission & Empanelment Application Ferreto AML Solutions Watchtower360 Insider trading monitoring CAMSKRA CAMS for Alternatives CAMSPay CAMSRep Think360 Instant KYC Feature-rich digital stack Insightful market intelligence UPI AutoPay Unconventional Alternative Data Insights Digital Onboarding and Video KYC Account Aggregator Services INVITs & REITs Data Benchmarking Institution edge360 Platform for intermediaries GoCORP Platform for intermediaries Data LakePin code level insights Affluence 360 Marketing Communication Surveillance RAIDARDataX360 eIA Customer Servicing for Insurers and Brokers CAMSAi Regulatory Compliance DPDP Nurturing Innovation Through Our Industry First Products & Solutions Investor Presentation 27
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Mutual Fund Services Provided by CAMS 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 transactionreporting Assist with Queries / Service Requests Recording of distributors empanelled Compliancewith KYC regulations Compliance with scheme document Mail management, mail back services Recording & maintenanceof brokerage structures Compliancewith SEBI regulations SMS / Online customer service Computationof 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 28 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 Investor Presentation
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3 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. ~40% Of Overall Insurance Industry- NACH Transactions 13.8 Mn+ Bank Accounts Validated 5.04 Mn+ UPI AutoPay Mandate Registrations 1.2 Mn+ NACH Mandate Registrations Investor Presentation 29
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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. 550+ funds serviced across 260+ fund houses 30 ₹3.2 Tn. Assets Under Service 285+ Installations of CAMS WealthServ and Fintuple’s digital on-boarding solution 28,200+ investors onboarded since launch, reflecting strong industry adoption Investor Presentation
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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 • Received in-principle approval as an IFSCA-authorised KYC Registration Agency (KRA) in GIFT City on 01st July, 2026 which unlocks a powerful market opportunity 20% Market Share 2nd largest KRA 31 2 Cr.+ KYC Records Investor Presentation
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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. 10.7 Mn. e-Insurance (eIA) accounts >14Mn.+ e-Policies under service 2.5Mn. Unique Active Bima Central Users ~100 K Average Monthly Service Transactions 11.74 Bn. Premium collected 4.43 Mn. POS Transactions processed Insurer Services 16 Clients Across Life, Health & General Insurers 32Investor Presentation
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Investor Presentation 40 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 #2 in eNPS onboarding 10.6% Market share in Non-Govt. business 23 PoPs active on CAMS platform 90% C-SAT score Investor Presentation 33
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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. 9% Market share 34 363 Enterprises onboarded on CAMSfinserv 90+ FIPs Integrated including Banks, Insurance companies & CRA Investor Presentation
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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 ConsenPro pipeline: 50+ conversations; Expanded RAIDAR to AMFI; BFSI & enterprise proposals active. US AI Services client onboarded 35 190+ Clients Served 150+ AI & Data Science Experts 135 Mn.+ Customer IDs Processed Investor Presentation
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Corporate Structure 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 100% Think Analytics Consultancy Services Pvt Ltd Think360 AI, Inc (USA) * 100% MF Central Technologies Limited (MFC) 50% 36Investor Presentation * Under Liquidation
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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 Audit • Dinesh Kumar Mehrotra Committee • Vijayalakshmi Rajaram Iyer • Santosh Kumar Mohanty • Santosh Kumar Mohanty • Pravin Udhyavara Bhadya Rao • Anuj Kumar Stakeholders Relationship Committee • Dinesh Kumar Mehrotra • Narumanchi Venkata Sivakumar • Anuj Kumar • Vijayalakshmi Rajaram Iyer • Dinesh Kumar Mehrotra • Santosh Kumar Mohanty • Vijayalakshmi Rajaram Iyer • Narumanchi Venkata Sivakumar • Pravin Udhyavara Bhadya Rao Risk Management Committee Anuj Kumar Managing Director 37Investor Presentation Nomination & Remuneration committee CSR and ESG Committee
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Experienced management team with 27+ years average tenure, skilled in business growth, diversification, and innovation Anuj Kumar – Managing Director • Joined the company in March 2016 • Previously associated with Godrej & Boyce, Escorts Finance & IBM India Soumendu Sekar Ganguly – Chief Operating Officer • Joined the company in April 2017 • Previously associated with Naukri, 99acres and Shiksha, and Sulekha Ramcharan Sesharaman – Chief Financial Officer • Joined the company in March 2020 • Previously associated with Photon Interactive and Reliance Jio Infocom Ravi Kethana – Chief Platform Officer • Joined the company in December 2019 • Previously associated with Tata Consultancy Services and Wipro Prabal Nag – Chief Business Officer • Joined the company in June 2009 • Previously associated with MetropolitanLife USA, JM Financial Asset Management and JP Morgan Asset Management India Rahul Sethi – Chief MarketingOfficer • Joined the company in Sep 2024 • Previously associated with Worldline, Edelweiss Financial Services, Lady Blush, Ibibo Web Pvt Ltd., etc. Deepak Kumar Singh – Chief InformationSecurity Officer • Joined the company in May 2024 • Previously associated with Indian Navy Syed Hassan – Chief Program Officer • Joined the company in March 2022 • Previously associated with DXC Technology, Britannia Industries, Unilever ES Varadharajan– Chief Risk & Process Officer • Joined the company in 2002 • Previously associated with UTIMF Manikandan Gopalakrishnan – Company Secretary & Compliance Officer • Joined the company in June 2011 • Previously associated with BPL, Precot Meridian & SJK Steel Plant • Joined the company in September 2017 • IDFC Bank, Yes Bank, Barclays Bank, Infosys Girish Sankar – Chief StrategyOfficer & Business Head – Alternatives& AA • Joined the company in October 2016 • Previously associated with TCS 38 Neha Sanjeev – Chief of Staff Investor Presentation
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Experienced management team with 27+ years average tenure, skilled in business growth, diversification, and innovation • 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 PrasenjitMukherjee,SeniorVice President and BusinessHead – CAMS CRA • Joined the company in March 2022 • Previously associated with BFSI organization’ssuch 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 2016 • Previouslyassociated with Sundaram Finance, SundaramBusiness Services, Idea Cellular 39 Anish Jagdish Sawlani, Chief Executive Officer – CAMSKRA • 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 • Joined the company in March 2022 • Previously associated with BFSI organization’ssuch as Edelweiss Tokio Life, ING Group, Exide Life Insurance and SBI Capital markets Prasenjit Datta, Chief Technology Officer – CAMS Investor Presentation
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History / Milestones 1988 • Our Company was incorporated as Computer Age Management Services Private Limited and received a certificate of incorporationfrom 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 registrationwas 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 participantfor NSDL 2007 • Our Company was issued a certificate of registration dated January 31, 2007 by SEBI to act as a depository participantfor 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 incorporationfrom 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 • E-IA policies exceeded 1 Cr. • CAMSKRA became 2nd largest KRA 2025 40 2026 • In-principle approval for GIFT City KRA • ConsenPro goes live with clients Investor Presentation
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Awards and Accolades FY23-24 Data Applications • 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 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. 41 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) Investor Presentation
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Awards and Accolades 42 • 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 recognized for ‘Best Innovation in RegTech’ at the India FinTech Awards 2025 • CAMS’s journey, with Anuj Kumar, Managing Director, CAMS, being honored with the ‘ET Edge Impact CEO of the Year’ award, in the category of Turnaround Leader • CAMS has been honored with the Sustainable Infrastructure Leader award at the Data Innovation Awards 2026, presented recently by Hitachi Vantara and Dataquest at Exchange India 2026 – Dehradun FY25-26 FY26-27 • CAMSPay’s UPI Offline Plus has been honored with the Technoviti Awards 2026 for innovation in payments organized by Banking Frontiers Investor Presentation
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Investor Presentation Shareholders’ Information Market Capitalisation 19,778.19 Cr. Shares Outstanding 24,82,04,728 Free Float 19,778.19 Cr. Scrip Symbol / Code CAMS / 5,43,232 Stock Data Shareholding Pattern (%) Top Shareholders HDB Employees Welfare Trust Fidelity Emerging Markets Fund Life Insurance Corporation of India Seafarer Overseas Growth & Income Fund WhiteOak Capital Group Vanguard International Equity Index Funds Vanguard Total International Stock Index Fund Aditya Birla Sun Life ELSS Tax Saver Fund Fidelity Investment Trust : Fidelity International Discovery Fund Franklin Templeton Investment Funds - Franklin India Fund Note : Data as on 30th June’26 43Investor Presentation 44.88% 15.72% 6.81% 1.01% 31.56% FPIs MFs Insurance Cos AIF Others Market Capitalisation INR Cr.
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COMPANY: Computer Age ManagementServicesLimited (CAMS) Mr.Anish Sawlani |Head – IR |+91 72990 07973 | anish.sawlani@camsonline.com Ms. Geetanjali Joshi| AVP - IR |+91 7409983006| geetanjali.j@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 44