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R N F I S E R V I C E S L I M I T E D T R U S T E D F O R C E M U L T I P L I E R F O R I N D I A N B F S I A N D M O R E Company Private & Confidential H 1 F Y ’ 2 6 I n v e s t o r P r e s e n t a t i o n 1
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation This presentation, along with the accompanying slides (collectively referred to as the “Presentation”), has been created by RNFI Services Limited (the “Company”) solely for informational purposes. It does not constitute an offer, recommendation, or invitation to buy or subscribe to any securities and should not be relied upon as the basis for any contractual or binding commitment. The Company will only make an offering of its securities through a statutory offering document that includes comprehensive information about the Company. The Company has prepared this Presentation using information and data it considers reliable. However, the Company does not make any express or implied representation or warranty regarding the truth, accuracy, completeness, fairness, or reasonableness of its contents, and reliance should not be placed on them. This Presentation may not be exhaustive and might not include all the information that could be deemed material. The Company expressly disclaims any liability for the contents or any omissions. Additionally, this Presentation contains forward-looking statements about the Company’s future business prospects and profitability, which involve a variety of risks and uncertainties. Actual results may differ significantly from those expressed in these statements. Factors contributing to these risks and uncertainties include, but are not limited to, fluctuations in earnings, the Company’s ability to manage growth, competition both within India and internationally, economic conditions in India and abroad, the ability to attract and retain skilled professionals, contract-related time and cost overruns, management of international operations, government policies and regulations, and prevailing interest and fiscal costs. The Company does not commit to making announcements should any of these forward-looking statements prove materially inaccurate or to updating them in the future. 2
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation It gives me great satisfaction to note thecontinued progress of our organizationduring the period under review. We remainsteadfast in our commitment to technologicalexcellence and operational resilience. Our strategic focus on AI-driven fintechproduct development is enabling us todeliver enhanced efficiency, deeper insights,and greater value across our serviceportfolio. Parallelly, significant efforts havebeen directed toward building a more stableand scalable platform architecture, ensuringreliability and security for all stakeholders. As we look ahead, we shall continue toinvest in innovation, governance, and long-term sustainability — reinforcing our positionas a forward-looking institution shaping thefuture of digital financial services. We remain focused on strengthening ouroperational capabilities, expanding ourdistribution network, and accelerating thedevelopment of our technology-led offerings.Our strategy continues to emphasizesustainable growth through innovation,efficiency, and data-driven decision-making. Guided by a governance-first approach andan unwavering commitment to transparency,we aim to build enduring value for allstakeholders. We thank you for yourcontinued trust and support and lookforward to sharing our ongoing progress inthe quarters ahead. Ranveer Khyaliya(Chairman & Managing Director) Simran Singh (Founder & Chief Strategy Officer) 3
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation We aim to bridge cutting-edge technology with financial inclusion, driving transformative growth while maintaining the highest standards of compliance, security, and sustainability. Our mission is to enable a digitally empowered Bharat, where individuals and institutions access simple, secure, and scalable financial services tailored to their needs. We aspire to be India’s leading BFSI force multiplier — empowering partners with seamless, innovative digital solutions to serve Bharat with unmatched reach and reliability. From the very beginning, our vision has been to build a company capable of scaling massively, earning unwavering trust, and demonstrating resilience through every challenge. We draw inspiration from the leadership and legacy of India’s finest visionaries — Sir Mukesh Ambani, who embodies the spirit of scale and disruption; Sir Ratan Tata, who represents trust and integrity; and Sir Vijay Shekhar Sharma, whose grit and perseverance define entrepreneurial courage. In honor of these values, we have dedicated three of our conference rooms to these stalwarts — serving as a daily reminder of the principles that guide our journey: Scale, Trust, and Resilience.” VISION ROADMAP 4
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation All Promoters shares pooled in a Trust to increase the longetivity. Board of Directors consist of 4 Independent Directors, 3 Executive Directors & Chairman and Managing Director. Promoter group family owned 12.7% of shares in subsidiary Paysprint Private Limited, it has been decided by promoter group for better governance to relinquish the shares in favour of RNFI Services Limited free of charge. A seasoned management board with banking and fintech expertise driving the company’s growth. Regular and timely disclosures to NSE on contracts, awards, and licenses ensure transparency. Being SME Listed Entity we are required to give results on Half yearly basis however As committed, we have started practicing LODR guidelines by declaring quarterly results. In a demonstration of strong belief in RNFI's long-term vision and strategic direction, the management has also participated in the warrant allotment in H1 FY 2026. Out of the total raised funds amounting to 62.8 Cr. ,17.6% were contributed by our Management and promoters at share price of Rs. 270 per warrant. Warrant Allotment S i m r a n S i n g h P r i v a t e T r u s t ’ s s h a r e i n a l l o t m e n t K e y M a n a g e m e n t P e r s o n s & D i r e c t o r s s h a r e i n a l l o t m e n t 3 , 6 0 , 0 0 0 5 0 , 0 0 0 T r u s t K M P & D i r e c t o r s N o . o f E q u i t y S h a r e s N o . o f E q u i t y S h a r e s 1 5 . 5 % 2 . 1 % 5
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RNFI Services Limited | Company Private & Confidential A B O U T U S Trusted Force Multiplier for Indian BFSI and more 6
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation C o r p o r a t e B u s i n e s s C o r r e s p o n d e n t B u s i n e s s B a n k i n g S w i t c h F o r e i g n E x c h a n g e S e r v i c e s C o r p o r a t e B u s i n e s s C o r r e s p o n d e n t E M I C o l l e c t i o n s D i g i t a l C o m m u n i c a t i o n P l a t f o r m D e l i n q u e n t L o a n C o l l e c t i o n s P r e p a i d I n s t r u m e n t s ( P P I ) I n s u r a n c e B r o k e r O u r G r o u p C o m p a n i e s R N F I S e r v i c e s s t a r t e d i t ' s J o u r n e y i n 2 0 1 5 a n d d i v e r s i f i e d i n t o m u l t i p l e d o m a i n s Monthly Transactions 3.1 cr+ Employee Strength 1900+ PIN Codes Covered 17,700+ Active Sahayaks in H1 FY’26 1.9 lac+ T h e c o m p a n y h a s e s t a b l i s h e d a n e x t e n s i v e a n d v a r i e d n e t w o r k , c o m p r i s i n g o f f r o n t e n d d i s t r i b u t i o n n e t w o r k a n d b a c k e n d t e c h n o l o g y , t h r o u g h i m p l e m e n t a t i o n o f p h y g i t a l s t r a t e g y . 7
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation * F R M - F r a u d R i s k M a n a g e m e n t 8 C o r p o r a t e S a l e s T e a m P2 P1 P3 P4 P5 P6 Compliance FRM* Module Accounting Support MULTIPLE PRODUCTS Relipay Sahayak
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation Commencement of Business Correspondent Services Pilot with the Payments Bank About to Launch ofRelimoney Forex Platform ISNP Approval from IRDAI in Reliassure Successful funds raised in Material Subsidiary – Paysprint Successful renewal of registration of Direct Broker (Life & General) of Reliassure Insurance Brokers Private Limited Strategic Pilot for Doorstep Banking Underway with a universal bank Strategic Partnerships Executed New Product Launch “SprintEXcrow” & “Sprint EXcode” inPaysprint Private Limited Launch of Insurance Telemarketing Operations & Services in Reliassure HIGH’s L O W ’ s D e c l i n e i n D M T B u s i n e s s V o l u m e s a s c o m p a r e t o l a s t y e a r d u e t o r e g u l a t o r y c h a n g e s . 9
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation T h i s e x p a n s i o n i s p a r t o f o u r c o n t i n u o u s e f f o r t t o p r o v i d e c o m p r e h e n s i v e s e r v i c e s . W i t h t h e s e n e w o f f e r i n g s , c u s t o m e r s c a n e a s i l y a c c e s s r e l i a b l e s e r v i c e s s u c h a s s e c u r e c a s h m o v e m e n t , e a s y t r a v e l b o o k i n g s , c o n v e n i e n t m o t o r i n s u r a n c e c o v e r a g e a n d t r a n s p a r e n t f o r e i g n c u r r e n c y b o o k i n g s . T h e i n t e g r a t i o n o f t h e s e s e r v i c e s m a r k s a n o t h e r s t e p t o w a r d e n h a n c i n g u s e r e x p e r i e n c e a n d e x p a n d i n g o u r p o r t f o l i o t o m e e t t h e e v o l v i n g n e e d s o f o u r c l i e n t s . Cash Replenishment Agency/Cash Management Services –We provide services such as cash collection, safekeeping and movement of bullion. Motor Insurance is liveon our group companyReliassure InsuranceBroking’s Portal. Air Travel ticketbooking platformdeveloped andlaunched for our retailnetwork . RNFI Money Portal isabout to launch forindividuals andcorporates to booktheir foreign currencyand forex cards. 10
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A I A I AI-powered OCR to extract and validate data from PAN, Aadhaar and other KYC documents In-house Face & Name Match algorithms ensuring secure and seamless onboarding Authenticity detection for tampered or fraudulent documents Enhanced KYC accuracy, compliance, and processing speed Machine learning–based automation for retailer fund request approvals Bots auto-read bank statement summaries to validate and process requests System-driven decisioning enables faster and error-free approvals Improved operational efficiency and turnaround time A I Python & ML-based in-house module for automatic reconciliation AI-trained system matches reports and identifies variances accurately Automated email reports generated at dynamically set frequencies Enhanced accuracy, transparency, and reporting efficiency C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation 11
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation Developed an in-house Dialler system to boostcommunication efficiency, improve customerengagement, and enable real-time call analytics andquality monitoring. Implemented globally recognized ISO 27001 andSOC 2 standards at Paysprint Pvt. Ltd. to ensurestrong data protection, information security, andregulatory compliance. Enabled POSP onboarding through our techplatform, simplifying agent registration, verification,and training in a secure, fully paperless environment. In-House Dialler System Development Information Security Compliance Implementation Digital POSP Onboarding 12
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RNFI Services Limited | Company Private & Confidential H 1 F Y ’ 2 6 H I G H L I G H T S T r u s t e d F o r c e M u l t i p l i e r f o r I n d i a n B F S I a n d m o r e 13
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation G r o s s P r o f i t G r o s s P r o f i t E B I D T A E B I D T A R e v e n u e R e v e n u e P A T P A T 2.9% 34.5% H o H G r o w t h H o H G r o w t h 471.4 Cr.* 139.1 Cr. 38.2% 18.8% 47.3% 1.3% 66% 14.3% H o H G r o w t h H o H G r o w t h H o H G r o w t h H o H G r o w t h H o H G r o w t h H o H G r o w t h 82.5 Cr. 1.9 Lac 28.6 Cr. 1,294 14.6 Cr. N o n F o r e x P A T M a r g i n N o n F o r e x P A T M a r g i n 63.1% H o H G r o w t h 6.5 % 1.4 N e t W o r t h Net Worth C u r r e n t R a t i o CurrentRatio A c t i v S a h a y a k s A c t i v e S a h a y a k s A R P U A R P U N e t P A T M a r g i n 61.3% H o H G r o w t h 3.1 % N e t P A T M a r g i n *Despite a decline in the DMT business revenue by 49% HoH, we sustained revenues through strong growth in alternate products — reaffirming our focus on diversification and resilient growth. 14
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RNFI Services Limited | Company Private & Confidential G R O W T H D R I V E R S Trusted Force Multiplier for Indian BFSI and more 15
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation 132626 149501 166242 197439 Q 2 F Y 2 5 H 1 F Y 2 5 Q 2 F Y 2 6 H 1 F Y 2 6 ACTIVE SAHAYAKS COMPARISON No. of Active Sahayaks 1 8 . 8 % 1 2 . 7 % 16
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation 1278 1294 H 1 F Y 2 5 H 1 F Y 2 6 AVERAGE REVENUE PER SAHAYAK (ARPU/MONTH) ARPU/Month (in ₹ ) 1.3% 17
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15662 15721 33150 C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation NEW ACTIVE SAHAYAKS ADDED Q 1 F Y 2 6 Q 2 F Y 2 6 New Active Sahayaks Added H 1 F Y 2 6 18
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation T O T A L N U M B E R S O F C L I E N T S Number of Clients 8 2 6 2 80 23 9 12 8 1 11 1 8 Added in H1 FY’26 Till FY’25 1 1 2 5 4 3 0 1 7 5 Ageing wise Clients FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 H1 FY 2026 Number of Products Number of Clients 1 2 3+ Product countwise Clients 19
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RNFI Services Limited | Company Private & Confidential F I N A N C I A L S Trusted Force Multiplier for Indian BFSI and more 20
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R e v e n u e G r o s s P r o f i t G r o s s P r o f i t M a r g i n E B I T D A E B I T D A M a r g i n P A T P A T M a r g i n H1 FY’25 H1 FY’26 206.9 220.7* 56 79.3 27% 35.9% 18.3 27.9 32.7% 12.6% 8.3 14.4 4% 6.5% H1 FY’25 H1 FY’26 251.2 250.7 3.8 3.2 1.5% 1.3% 1.1 0.7 30% 0.3% 0.5 0.2 0.2% 0.1% H1 FY’25 H1 FY’26 458.1 471.4* 59.7 82.5 13% 17% 19.4 28.6 4.2% 6.1% 8.8 14.6 1.9% 3.1% C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation *Despite a decline in the DMT business revenue by 49% HoH, we sustained revenues through strong growth in alternate products — reaffirming our focus on diversification and resilient growth. Non-Forex Forex Overall Performance INR in Cr. 21
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation H 1 F Y ’ 2 5 H 1 F Y ’ 2 5 H 1 F Y ’ 2 5 H 1 F Y ’ 2 5 H 1 F Y ’ 2 6 H 1 F Y ’ 2 6 H 1 F Y ’ 2 6 H 1 F Y ’ 2 6 2 . 9 % 4 5 8 . 1 5 9 . 7 1 9 . 4 8 . 8 4 7 1 . 4 8 2 . 5 2 8 . 6 1 4 . 6 * 38.2% 47.3% 66% R E V E N U E G R O S S P R O F I T E B I T D A P A T *Despite a decline in the DMT business revenue by 49% HoH, we sustained revenues through strong growth in alternate products — reaffirming our focus on diversification and resilient growth. INR in Cr. 22
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R e v e n u e G r o s s P r o f i t G r o s s P r o f i t M a r g i n E B I T D A E B I T D A M a r g i n P A T P A T M a r g i n Q2 FY’25 Q2 FY’26 109.3 120.1 31.8 43.5 29.1% 36.2% 12.3 15.8 11.2% 13.1% 6.4 8.9 5.8% 7.4% Q2 FY’25 Q2 FY’26 111 101.7* 1.8 1.2 1.6% 1.2% 0.5 (0.05) 0.4% (0.05)% 0.2 (0.1) 0.2% (0.1)% Q2 FY’25 Q2 FY’26 220.3 221.8 33.6 44.7 15.2% 20.2% 12.7 15.7 5.8% 7.1% 6.6 8.8 3% 4% C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation Non-Forex Forex Overall Performance INR in Cr. *For optimal capital utilization, given that it is a low-margin business, we have strategically reduced our Forex operations. 23
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C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d H1 FY’26 Investor Presentation Q 2 F Y ’ 2 5 Q 2 F Y ’ 2 5 Q 2 F Y ’ 2 5 Q 2 F Y ’ 2 5 Q 2 F Y ’ 2 6 Q 2 F Y ’ 2 6 Q 2 F Y ’ 2 6 Q 2 F Y ’ 2 6 R E V E N U E G R O S S P R O F I T E B I T D A P A T 0 . 7 % 3 3 . 1 % 2 3 . 4 % 3 3 . 9 % INR in Cr. 24 2 2 0 . 3 2 2 1 . 8 3 3 . 6 4 4 . 7 1 2 . 7 1 5 . 7 6 . 6 8 . 8
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LET’S GROW TOGETHER H 1 F Y ’ 2 6 I n v e s t o r P r e s e n t a t i o n C o m p a n y P r i v a t e & C o n f i d e n t i a l R N F I S e r v i c e s L i m i t e d 25