Slides
Page 1
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 RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 2
OBLIGATORY DISCLOSURE 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. RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 3
MANAGEMENT COMMENTS We continued to strengthen our position,supported by improved execution disciplineand focused business expansion. The business recorded steady tractionthrough deeper partnerships and enhanceddistribution efficiency, while operations arebenefited from growing institutionalengagements and improved transactionthroughput. Looking ahead, the Companyremains committed to scaling these throughtechnology-led innovation, portfoliodiversification, and stronger enterpriserelationships, with a clear emphasis onsustainable growth and margin improvement. We saw meaningful gains in efficiency, processoptimization, and service reliability acrossbusinesses. Automation of workflows, tighterreconciliation controls, and improved turnaroundtimes contributed to enhanced operationalresilience and cost efficiency. Onboarding and servicing processes werestreamlined, operations benefited fromstrengthened controls and improvedtransaction monitoring. Going forward, thefocus will remain on scalable operations,deeper technology integration, andcontinuous process enhancement to supportbusiness growth while maintaining robustcompliance and service standards. Deepankar Aggarwal (Executive Director) Raman Bhalla(Chief Operating Officer) RNFI Services Limited | Investor Presentation RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 4
VISION & ROADMAP 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.” 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. VISION ROADMAP RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 5
HIGHLIGHTS SUMMARY (9M FY26 vs 9M FY25) RNFI Services Limited | Investor Presentation RNFI Services Limited | Investor Presentation Q3 & 9M FY26 40.4% G r o s s P r o f i t G r o s s P r o f i t 1 3 4 . 1 C r . 46.9% E B I D T A E B I D T A 4 6 C r . 3.8% R e v e n u e R e v e n u e 7 2 9 . 3 C r . N o n F o r e x P A T M a r g i n 56.3% N o n F o r e x P A T M a r g i n 6 . 9 % N e t P A T M a r g i n 57.3% N e t P A T M a r g i n 3 . 3 % 63.3% P A T P A T 2 4 . 1 C r . KEY TAKEAWAYS Margin Expansion Delivered as Guided Automation-led efficiencies implemented over the last 4–5 months have translated into clear margin expansion across Gross, EBITDA, and PAT levels, validating our execution focus. O u r f o c u s r e m a i n s o n m a r g i n - l e d g r o w t h , s c a l i n g t e c h p l a t f o r m s , a n d b u i l d i n g f u t u r e - r e a d y r e g u l a t e d b u s i n e s s e s . Profit Growth Led by High-Margin Businesses Value-accretive businesses—Delinquent Loan Collections and EMI Collections—have driven PAT growth, even as topline growth remained largely stable. New Tech Verticals Scaling as Planned Technology-led businesses launched during 9M FY26, including Travel, CRA, and the Insurance platform, are showing steady momentum and scalability. Orchestration Business Driving Earnings Uplift The Orchestration business has delivered strong year-on- year growth in 9M FY26, emerging as a key contributor to incremental profitability.
Page 6
CORPORATE GOVERNANCE A l l P r o m o t e r s s h a r e s p o o l e d i n a T r u s t t o i n c r e a s e t h e l o n g e t i v i t y . B o a r d o f D i r e c t o r s c o n s i s t o f 4 I n d e p e n d e n t D i r e c t o r s , 3 E x e c u t i v e D i r e c t o r s & C h a i r m a n a n d M a n a g i n g D i r e c t o r . P r o m o t e r g r o u p f a m i l y o w n e d 1 2 . 7 % o f s h a r e s i n s u b s i d i a r y P a y s p r i n t P r i v a t e L i m i t e d , i t h a s b e e n d e c i d e d b y p r o m o t e r g r o u p f o r b e t t e r g o v e r n a n c e t o r e l i n q u i s h t h e s h a r e s i n f a v o u r o f R N F I S e r v i c e s L i m i t e d f r e e o f c h a r g e . A s e a s o n e d m a n a g e m e n t b o a r d w i t h b a n k i n g a n d f i n t e c h e x p e r t i s e d r i v i n g t h e c o m p a n y ’ s g r o w t h . R e g u l a r a n d t i m e l y d i s c l o s u r e s t o N S E o n c o n t r a c t s , a w a r d s , a n d l i c e n s e s e n s u r e t r a n s p a r e n c y . B e i n g S M E L i s t e d E n t i t y w e a r e r e q u i r e d t o g i v e r e s u l t s o n H a l f y e a r l y b a s i s h o w e v e r A s c o m m i t t e d , w e h a v e s t a r t e d p r a c t i c i n g L O D R g u i d e l i n e s b y d e c l a r i n g q u a r t e r l y r e s u l t s . 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. RNFI Services Limited | Investor Presentation Q3 & 9M FY26 We have appointed 1 Independent Director in RNFI Money Pvt Ltd. We have appointed 1 Independent Director in RNFI Money Pvt Ltd.
Page 7
Daily Transactions in Dec'25 1 . 3 m n + E m p l o y e e S t r e n g t h 1 9 0 0 + P I N C o d e s C o v e r e d 1 7 , 7 0 0 + Active Sahayaks in 9M FY26 2 . 2 l a c + P r e p a i d I n s t r u m e n t ( P P I ) C o r p o r a t e S a l e s T e a m C o m p l i a n c e F R M * M o d u l e A c c o u n t i n g S u p p o r t MULTIPLE PRODUCTS R e l i p a y S a h a y a k P a y m e n t s O r c h e s t r a t i o n V a l u e D r i v e n O t h e r s * F R M - F r a u d R i s k M a n a g e m e n t 2 8 % i n c r e a s e f r o m S e p ' 2 5 BUSINESS MODEL AND PRODUCTS The company has established an extensive and varied network, comprisingof front end distribution network and back end technology, throughimplementation of phygital strategy. A a d h a a r p a y 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 M i d d l e w a r e o f P a y m e n t C o n n e c t e d B a n k i n g F o r e i g n E x c h a n g e S e r v i c e s 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 I n s u r a n c e E M I C o l l e c t i o n s T r a v e l 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 V e r i f i c a t i o n S t a c k RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 8
MAJOR EVENTS RNFI Services Limited | Investor Presentation Q3 & 9M FY26 R N F I S e r v i c e s L t d A p p o i n t e d a s R e c o v e r y A g e n c y f o r P u n j a b N a t i o n a l B a n k A D I I L i c e n s e a p p r o v a l f o r R N F I M o n e y P v t L t d f r o m R B I 2 A d d i t i o n a l B r a n c h e s a p p r o v a l f r o m R e l i a s s u r e I n s u r a n c e B r o k e r s P v t L t d r e c e i v e d f r o m I R D A I 6 N e w B r a n c h e s a p p r o v e d f o r R N F I M o n e y P v t L t d f r o m R B I R N F I S e r v i c e s L t d A p p o i n t e d a s C o r p o r a t e R e c o v e r y A g e n t f o r B a n k o f I n d i a H I G H ’ s L O W ’ s S t a b l e b u t m u t e d g r o w t h i n A e P S B u s i n e s s
Page 9
DIRECTORS & MANAGEMENT Y e a r s w i t h R N F I 1 1 1 1 5 5 1 0 2 6 1 1 6 1 1 2 5 H e a d E n t e r p r i s e B u s i n e s s 1 5 1 3 1 1 2 2 R a n v e e r K h y a l i y a D e e p a n k a r A g g a r w a l S A n a n d N e e r a j U p r e t i P r a s h a n t K u m a r A v t a r S i n g h M o n g a S i m r a n S i n g h K r i s h n a K u m a r D a g a N i t e s h K u m a r S h a r m a H a r i s h K a u s h i k V i v e k K u m a r S u n i l K u l k a r n i R a h u l S r i v a s t a v a N i m e s h K h a n d e l w a l A j a y K u m a r A j a y S e t h i A m i t e s h K u m a r A m i t S a c h a n A s h o k K u m a r S i n h a K i r a n d e e p S i n g h R a m a n B h a l l a M o n a K a p o o r C h a i r m a n & M a n a g i n g D i r e c t o r E x e c u t i v e D i r e c t o r C E O - P a y s p r i n t C h i e f C o m p l i a n c e O f f i c e r H e a d T e c h A I I n d e p e n d e n t D i r e c t o r F o u n d e r & C h i e f S t r a t e g y O f f i c e r C h i e f E x e c u t i v e O f f i c e r C h i e f T e c h n i c a l O f f i c e r H e a d F o r e x B u s i n e s s H e a d L e g a l I n d e p e n d e n t D i r e c t o r E x e c u t i v e D i r e c t o r C h i e f F i n a n c i a l O f f i c e r C h i e f G r o w t h O f f i c e r I n d e p e n d e n t D i r e c t o r E x e c u t i v e D i r e c t o r C h i e f O p e r a t i n g O f f i c e r C h i e f D i s t r i b u t i o n O f f i c e r H e a d I n s u r a n c e B u s i n e s s I n d e p e n d e n t D i r e c t o r 2 2 RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 10
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 RNFI Services Limited | Investor Presentation Q3 & 9M FY26 Q3 & 9M FY26 HIGHLIGHTS 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
Page 11
194356 220648 9 M F Y 2 6 9 M F Y 2 5 1 P R O D U C T 2 P R O D U C T S 3 P R O D U C T S 4 + P R O D U C T S 9 8 , 5 0 2 N o . o f P r o d u c t s C r o s s S o l d 1 , 1 1 , 6 6 4 5 0 , 9 7 2 5 5 , 6 7 0 2 4 , 1 4 5 2 6 , 6 6 4 2 0 , 7 3 7 2 6 , 6 5 0 9 M F Y 2 5 9 M F Y 2 6 A C T I V E S A H A Y A K S C O M P A R I S O N ACTIVE SAHAYAKS & PRODUCT CROSS SOLD RNFI Services Limited | Investor Presentation Q3 & 9M FY26 8 %
Page 12
AVERAGE REVENUE PER SAHAYAK (ARPU/MONTH) 9M FY25 vs 9M FY26 1175 1183 9 M F Y 2 5 The ARPU of 9M FY26 is calculated by adding Payworld's Active Sahayak Count. 9 M F Y 2 6 AVERAGE REVENUE PER SAHAYAK (ARPU/MONTH) ARPU/Month (in ₹ ) 0 . 6 % RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 13
PRODUCTS CROSS SOLD Total Number of Clients RNFI Services Limited | Investor Presentation Q3 & 9M FY26 6 2 8 4 2 3 9 1 2 8 1 1 1 2 2 A d d e d i n 9 M F Y 2 6 T i l l F Y 2 5 N u m b e r o f P r o d u c t s Number of Clients 1 2 3 + Product countwise Clients FY215 FY2217 FY2330 FY2454 FY2582 9M FY26116 A G E I N G W I S E C L I E N T S
Page 14
I N R i n C r . Revenue Gross Profit Gross Profit Margin EBITDA EBITDA Margin PAT PAT Margin 9M FY25 9M FY26 9M FY25 9M FY26 9M FY25 9M FY26 N O N - F O R E X F O R E X O V E R A L L P E R F O R M A N C E 3 1 9 . 6 3 4 7 . 3 9 0 . 1 1 2 9 . 4 2 8 . 2 % 3 7 . 3 % 2 9 . 9 4 5 . 2 9 . 4 % 1 3 % 1 4 . 1 2 4 4 . 4 % 6 . 9 % 382.8 381.9 5.4 4.7 1.4% 1.2% 1.4 0.8 0.4% 0.2% 0.6 0.1 0.2% 0.03% 702.4 729.3 95.6 134.1 13.6% 18.4% 31.3 46 4.5% 6.3% 14.7 24.1 2.1% 3.3% FINANCIAL HIGHLIGHTS - 9M FY25 vs 9M FY26 RNFI Services Limited | Investor Presentation Q3 & 9M FY26
Page 15
I N R i n C r . FINANCIAL HIGHLIGHTS - 9M FY25 vs 9M FY26 RNFI Services Limited | Investor Presentation Q3 & 9M FY26 R e v e n u e G r o s s P r o f i t E B I D T A P A T 3.8% 40.4% 46.9% 63.3% 9M FY26 7 2 9 . 3 1 3 4 . 1 4 6 2 4 . 1 *Revenue remained largely flat due to a decline in DMT volumes (a high-volume, low-margin business), which was offset by growth in higher-margin business.
Page 16
I N R i n C r . Revenue Gross Profit Gross Profit Margin EBITDA EBITDA Margin PAT PAT Margin FINANCIAL HIGHLIGHTS - Q3 FY25 vs Q3 FY26 RNFI Services Limited | Investor Presentation Q3 & 9M FY26 Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 Q3 FY25 Q3 FY26 N O N - F O R E X F O R E X O V E R A L L P E R F O R M A N C E 1 1 2 . 6 1 2 6 . 6 3 4 . 2 5 0 . 1 3 0 . 4 % 3 9 . 6 % 1 1 . 6 1 7 . 4 1 0 . 3 % 1 3 . 7 % 5 . 8 9 . 6 5 . 2 % 7 . 5 % 131.6 131.2 1.7 1.6 1.3% 1.2% 0.3 0.1 0.2% 0.1% 0.2 (0.02) 0.1% (0.02%) 244.3 257.8 35.9 51.6 14.7% 20% 11.9 17.5 4.9% 6.8% 6 9.5 2.5% 3.7%
Page 17
I N R i n C r . R e v e n u e G r o s s P r o f i t E B I D T A P A T FINANCIAL HIGHLIGHTS - Q3 FY25 vs Q3 FY26 RNFI Services Limited | Investor Presentation Q3 & 9M FY26 5.6% 44% 46.4% 59.4% Q3 FY26 2 5 7 . 8 5 1 . 6 1 7 . 5 9 . 5 *Revenue remained largely flat due to a decline in DMT volumes (a high-volume, low-margin business), which was offset by growth in higher-margin business.
Page 18
RNFI Services Limited | Investor Presentation Q3 & 9M FY26 LET’S GROW TOGETHER