Vakrangee Limited — Investor Presentation 2026

Apr 29, 2026

Vakrangee Limited “Vakrangee Corporate House”, Plot No.93, Road No.16, M.I.D.C. Marol, Andheri (East), Mumbai - 400093. Maharashtra, W: www.vakrangee.in | L:+91 22 2850 3412/+91 22 6776 5100 F: +91 22 28502017 | CIN: L65990MH1990PLC056669``

==> picture [200 x 57] intentionally omitted <==

VKL/C&L/2026/24

April 29, 2026

To,

Department of Corporate Relationship BSE Ltd. Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400001 Scrip Code: 511431	Corporate Relationship Department National Stock Exchange of India Ltd. Exchange Plaza, C-1, Block G, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051 SYMBOL: VAKRANGEE

Dear Sir/Madam,

Sub.: RESULTS PERFORMANCE UPDATE PRESENTATION – “Q4 & FULL YEAR FY2025-26 RESULTS UPDATE”.

With reference to the captioned subject and pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached herewith VAKRANGEE LIMITED “ Q4 & FULL YEAR FY2025-26 ” results update considered in the Board Meeting of the Company held on April 29, 2026.

Thanking you,

Yours faithfully,

For Vakrangee Limited

Digitally signed by AMIT VIJAY GADGIL DN: c=IN, o=PERSONAL, title=5553, pseudonym=d1c4d731645648e2bd7846756323dd37, 2.5.4.20=98c6d69eeddb1d172fbc1b83410d80bac86a916ecbcb6ae b18a9b975664efe71, postalCode=400057, st=Maharashtra, serialNumber=9c93d8231afd6a9a378c785fcbe636d6062f3c897e2f aec047176b6fc6f3bae7, cn=AMIT VIJAY GADGIL

Amit Gadgil Company Secretary & Compliance Officer (Mem. No.: A49442)

Encl.: A/a

==> picture [200 x 63] intentionally omitted <==

==> picture [151 x 266] intentionally omitted <==

==> picture [250 x 254] intentionally omitted <==

SAB KAAM EK DUKAAN

==> picture [93 x 122] intentionally omitted <==

==> picture [102 x 122] intentionally omitted <==

==> picture [113 x 122] intentionally omitted <==

==> picture [84 x 86] intentionally omitted <==

----- Start of picture text -----

ASSISTED TOTAL
HEALTHCARE
----- End of picture text -----

“GO TO MARKET PLATFORM” : BUILDING INDIA’S LARGEST LAST MILE DISTRIBUTION PLATFORM

==> picture [88 x 95] intentionally omitted <==

VAKRANGEE LIMITED Q4 & FULL YEAR FY2025-26 RESULTS UPDATE

April 29, 2026

==> picture [200 x 63] intentionally omitted <==

DISCLAIMER

This presentation has been prepared by Vakrangee Limited (“Vakrangee” or “VL” or the “Company”) solely for your information and for your use and may not be taken away, reproduced, redistributed or passed on, directly or indirectly, to any other person (whether within or outside your organization or firm) or published in whole or in part, for any purpose. By attending this presentation, you are agreeing to be bound by the foregoing restrictions and to maintain absolute confidentiality regarding the information disclosed in these materials.

The information contained in this presentation does not constitute or form any part of any offer, invitation or recommendation to purchase or subscribe for any securities in any jurisdiction, and neither the issue of the information nor anything contained herein shall form the basis of, or be relied upon in connection with, any contract or commitment on the part of any person to proceed with any transaction. The information contained in these materials has not been independently verified. No representation or warranty, express or implied, is made and no reliance should be placed on the accuracy, fairness or completeness of the information presented or contained in these materials.

Any forward-looking statements in this presentation are subject to risks and uncertainties that could cause actual results to differ materially from those that may be inferred to being expressed in, or implied by, such statements. Such forward-looking statements are not indicative or guarantees of future performance. Any forward-looking statements, projections and industry data 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.

This presentation may not be all inclusive and may not contain all of the information that you may consider material. The information presented or contained in these materials is subject to change without notice and its accuracy is not guaranteed. Neither the Company nor any of its affiliates, advisers or representatives accepts liability whatsoever for any loss howsoever arising from any information presented or contained in these materials.

THIS PRESENTATION IS NOT AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES OR ELSEWHERE.

2

==> picture [200 x 63] intentionally omitted <==

TABLE OF CONTENTS

Results Performance Update	04
Growth Strategy Initiatives	11
CompanyOverview	23
Update on SustainabilityESG Initiatives	32

3

==> picture [200 x 63] intentionally omitted <==

RESULTS PERFORMANCE UPDATE

4

==> picture [200 x 63] intentionally omitted <==

RESULTS PERFORMANCE UPDATE FOR Q4 & FY2026

Q4 FY2025-26 (Y-O-Y Basis)

PROFIT AFTER TAX

TOTAL INCOME

==> picture [359 x 129] intentionally omitted <==

----- Start of picture text -----

In Rs Lakhs In Rs Lakhs
6,473.1 251.8
5,886.0
162.0
-9.1% -35.7%
Q4 FY2024-25 Q4 FY2025-26 Q4 FY2024-25 Q4 FY2025-26
----- End of picture text -----

FY2025-26 (Y-O-Y Basis)

PROFIT AFTER TAX

TOTAL INCOME

In Rs Lakhs

In Rs Lakhs

==> picture [365 x 109] intentionally omitted <==

----- Start of picture text -----

25,935.1 26,136.2 1,111.9
620.0
0.8% 79.3%
FY2024-25 FY2025-26 FY2024-25 FY2025-26
----- End of picture text -----

Q4 FY26 consolidated revenue impacted by inter-company sales elimination & and a strategic reduction in low-margin business

==> picture [65 x 52] intentionally omitted <==

PAT increased 79.3% YoY, reaching Rs. 1,111.9 Lakhs in FY2026

EBITDA grew 22.7% YoY in FY26 with margins expanding to 13.4% up from 11.0% in FY25

==> picture [65 x 51] intentionally omitted <==

PAT margins for FY26 have improved by ~190 bps, reaching 4.4% in FY26

FY26 consolidated results have shown a marginal growth of 0.8% reaching 26,136.2 Lakhs

==> picture [114 x 9] intentionally omitted <==

----- Start of picture text -----

Consolidated Financials
----- End of picture text -----*

5

RESULTS PERFORMANCE UPDATE

==> picture [200 x 63] intentionally omitted <==

BUSINESS : Q4 FY2025-26 REVENUE & GROSS TRANSACTION VALUE CONTRIBUTION BREAK-UP

Revenue from Operations Break-up

Gross Transaction Value (GTV)

==> picture [207 x 103] intentionally omitted <==

----- Start of picture text -----

14.2%
6.9%
55.8%
23.1%
----- End of picture text -----

BFSI ATM E-Commerce & Other Services Sale of ATM Product / Service

==> picture [224 x 124] intentionally omitted <==

----- Start of picture text -----

0.1%
16.3%
83.6%
BFSI ATM E-Commerce & Other Services
----- End of picture text -----

Revenue from Operations : Rs. 56.7 Cr

Total Gross Transaction Value : Rs. 13,422.2 Cr

BUSINESS : FY2025-26 REVENUE & GROSS TRANSACTION VALUE CONTRIBUTION BREAK-UP

Revenue from Operations Break-up

Gross Transaction Value (GTV)

==> picture [200 x 101] intentionally omitted <==

----- Start of picture text -----

19.8%
49.0%
11.0%
20.2%
----- End of picture text -----

BFSI ATM E-Commerce & Other Services Sale of ATM Product / Service

==> picture [224 x 125] intentionally omitted <==

----- Start of picture text -----

0.1%
16.3%
83.6%
BFSI ATM E-Commerce & Other Services
----- End of picture text -----

Total Gross Transaction Value : Rs. 53,712.6 Cr

Revenue from Operations : Rs. 254.8 Cr

6

==> picture [200 x 63] intentionally omitted <==

Q4 & FY26 PERFORMANCE UPDATE

==> picture [68 x 67] intentionally omitted <==

• FY2025-26 Results : Vakrangee achieved a significant 79.3% YoY surge in annual Profit After Tax to ₹11.1 crore .

• A 249-basis point expansion in annual EBITDA margins, with Cash flow from Operations (pre-tax) turned positive at ₹63.7 crore , versus a deficit of ₹(25.1) crore last year.

• With a debt-free balance sheet and a 25.4% increase in annual cash profit to ₹28.7 crore , the company is positioned to compound growth by scaling high-value credit & insurance partnerships across 23,087-outlet network.

==> picture [33 x 64] intentionally omitted <==

==> picture [68 x 68] intentionally omitted <==

• FY2025-26: Annual Gross Transaction Value (GTV) crossed Rs. 53,712.6 Cr and Annual No. of Transactions crossed 10.7 Cr.

• Going forward, the Company is strategically focusing on Non-Cash based Banking Offering such as Account Opening, Loan Product, Insurance Services, Fixed Deposits, Mutual Funds & NPA Recovery to drive deeper financial inclusion and value-added offerings.

==> picture [33 x 64] intentionally omitted <==

==> picture [68 x 68] intentionally omitted <==

• Vortex Engineering, a subsidiary company, revenue grew from ₹6,688.0 lakhs in FY2024-25 to ₹6,728.8 lakhs in FY2025-26 , which represents a 0.6% year-on-year growth.

• 1,679 ATMs shipped in FY2025–26, reflecting a strong 1.7% year-on-year growth.

• EBITDA up ~1,061% YoY for FY2025-26.

==> picture [33 x 63] intentionally omitted <==

==> picture [68 x 68] intentionally omitted <==

• Vakrangee Limited, along with its subsidiary companies, is debt-free and maintains a robust balance sheet.

• This strong financial position enables us to confidently support our expansion plans and pursue sustained long-term growth.

==> picture [33 x 64] intentionally omitted <==

==> picture [68 x 68] intentionally omitted <==

• Strategic focus on high-margin business for better profitability & phasing out low-margin business to optimize operations.

• Long-term aim to enhance margin expansion and sustainable growth.

==> picture [33 x 64] intentionally omitted <==

7

==> picture [200 x 63] intentionally omitted <==

VAKRANGEE KENDRA - PERFORMANCE UPDATE

PERFORMANCE UPDATE FOR FULL YEAR FY2025-26

Our Presence Total No. of Outlets Presence in States/UTs Presence in districts Presence in Tier IV, V & VI 23,087 32 609 ~84% Our Platform – Key KPIs Total Transactions Total GTV No. of Master Franchisee (Districts Covered) 10.7 Cr ~ ₹53,712.6 Cr 535 ATM Service No. of ATMs Total Transactions Total GTV Presence in Tier IV, V & VI 6,073 ~ 3.0 Cr ~ ₹8,569.4 Cr ~77% Banking Service No. of Account No. of Insurance / Loan Leads Converted Total Transactions Total GTV opened Pension Schemes sold ~ 12.0 Lakhs ~ 13.3 Lakhs ~ ₹903.0 Cr ~ 7.5 Cr

~ 12.0 Lakhs

~ ₹45,048.2 Cr

8

==> picture [200 x 63] intentionally omitted <==

VORTEX ENGINEERING - PERFORMANCE UPDATE

FY2025-26 (Y-O-Y Basis)

==> picture [172 x 29] intentionally omitted <==

----- Start of picture text -----

ATM MACHINE SHIPPED
----- End of picture text -----

==> picture [54 x 9] intentionally omitted <==

----- Start of picture text -----

In Numbers
----- End of picture text -----

==> picture [193 x 160] intentionally omitted <==

----- Start of picture text -----

1,651 1,679
1.70%
FY2024-25 FY2025-26
----- End of picture text -----

==> picture [87 x 43] intentionally omitted <==

----- Start of picture text -----

EBITDA up
~11.6x YoY for
FY2026
----- End of picture text -----

==> picture [172 x 29] intentionally omitted <==

----- Start of picture text -----

TOTAL INCOME
----- End of picture text -----

==> picture [51 x 8] intentionally omitted <==

----- Start of picture text -----

In Rs Lakhs
----- End of picture text -----

==> picture [207 x 141] intentionally omitted <==

----- Start of picture text -----

6,688.2 6,728.8
0.6%
FY2024-25 FY2025-26
----- End of picture text -----

==> picture [111 x 78] intentionally omitted <==

----- Start of picture text -----

AMC business
showing solid
growth with rising
annuity-based
revenue
----- End of picture text -----

==> picture [172 x 29] intentionally omitted <==

----- Start of picture text -----

EBITDA
----- End of picture text -----

In Rs Lakhs

==> picture [209 x 126] intentionally omitted <==

----- Start of picture text -----

127.1
10.9
1061.4%
FY2024-25 FY2025-26
----- End of picture text -----

High-margin IP software (PERFO) business witnessing strong growth & profitability

9

==> picture [200 x 63] intentionally omitted <==

CONSOLIDATED FINANCIAL STATEMENTS

Key Profit & Loss Statement Items

Particulars (Rs. in Lakhs.)	Q4 FY2025-26	Q4 FY2024-25	YoY%	FY 2025-26	FY 2024-25	YoY%
Total Income	5,886.0	6,473.1	(9.1)	26,136.2	25,935.1	0.8
Total Expenses	5,657.3	6,103.7	(7.3)	24,622.1	24,994.2	(1.5)
EBIDTA	690.0	838.6	(17.7)	3,426.1	2,793.3	22.7
Profit before Tax & Exceptional Item	228.7	369.3	(38.1)	1,514.1	940.9	60.9
Profit before Tax (PBT)	219.3	369.3	(40.6)	1,518.8	940.9	61.4
Tax Expenses	57.3	117.5	(51.2)	406.9	320.9	26.8
Profit after Tax (PAT)	162.0	251.8	(35.7)	1,111.9	620.0	79.3
Cash Profit (PAT + Depreciation)	586.1	680.8	(13.9)	2,872.0	2,289.7	25.4

Key Balance Sheet Items

Particulars (Rs. in Lakhs)	FY2025-26	FY2024-25
Net Worth	22,335.4	21,166.9
Share Capital	10,831.9	10,831.9
Other Equity	10,541.8	9,411.7
Non-Controlling Interest	961.7	923.3
Total Debt	-	-
LongTerm Debt	-	-
Short Term Debt	-	-
Other Non-Current Liabilities	2,291.1	2,382.2
Total Sources of Funds	24,626.5	23,549.1

Particulars (Rs. in Lakhs)	FY2025-26	FY2024-25
Fixed Assets	12,569.2	12,705.4
Other Non-Current Assets	6,737.0	2,407.9
Inventory	1,617.0	1,830.0
Trade Receivables	2,047.4	2,701.6
Cash & CashEquivalents	5,693.4	8,188.2
Other Current Assets	2,494.4	2,991.9
Less: Trade Payables	1,696.9	1,778.7
Less: Other Current Liabilities	4,835.0	5,497.1
Net Current Assets	5,320.3	8,435.8
Total Application of Funds	24,626.5	23,549.1

10

==> picture [200 x 63] intentionally omitted <==

GROWTH STRATEGY INITIATIVES

11

==> picture [200 x 63] intentionally omitted <==

GROWTH STRATEGY INITIATIVES

==> picture [74 x 74] intentionally omitted <==

FASTER EXPANSION OF THE KENDRA NETWORK LEVERAGING MASTER FRANCHISEES

• Master Franchisees appointed in 535 Districts across 31 States/UTs across the Country with ongoing momentum in expansion of network pan-India.

• MFs provide on-ground operational support to existing outlets and drive new franchisee acquisition.

• Plan to achieve 100% District coverage to fast track kendra network expansion.

==> picture [74 x 76] intentionally omitted <==

EXPANSION OF ATM NETWORK

• Launched Mini ATM - an ultra low-cost ATM machine.

• Driving expansion by offering ATMs at low-cost to accelerate network expansion and enhance market share.

• Deployed more than 1,335 new ATM Machines in FY2026.

==> picture [29 x 60] intentionally omitted <==

==> picture [74 x 74] intentionally omitted <==

STRATEGIC FOCUS ON EXPANSION OF FINANCIAL SERVICES

==> picture [29 x 60] intentionally omitted <==

• Focused expansion on financial services such as Loans, Insurance, Mutual Funds & Equities —targeting Tier 3–6 cities where Vakrangee has a strong presence.

• Introducing affordable, small-ticket products tailored for rural and semi-urban customers.

==> picture [74 x 74] intentionally omitted <==

FORAY INTO PRIVATE LABEL PRODUCTS UNDER E-COMMERCE CATEGORY ACROSS KENDRA NETWORK

• Launched Private & White Label apparel range — trendy, comfortable, and affordable.

• Plans to diversify into new consumer and retail categories to expand market footprint.

==> picture [29 x 61] intentionally omitted <==

==> picture [74 x 75] intentionally omitted <==

SCALING FOR SUSTAINABLE EXPANSION

• Awarded the prestigious Uttar Pradesh Skill Development Mission (UPSDM) project as an Industrial Training Partner.

==> picture [29 x 60] intentionally omitted <==

12

==> picture [200 x 63] intentionally omitted <==

GROWTH STRATEGY: STRATGIC ALLIANCES

Strategic Alliances Strengthening Our Platform

12 strategic alliances and ATM shipment mandates secured during Apr’25–Apr’26 │ 7 Insurance | 5 Lending | WLA license renewal │ 2 Major ATM Shipment mandates for Vortex │

==> picture [74 x 11] intentionally omitted <==

----- Start of picture text -----

INSURANCE
----- End of picture text -----

==> picture [58 x 11] intentionally omitted <==

----- Start of picture text -----

LENDING
----- End of picture text -----

==> picture [84 x 15] intentionally omitted <==

----- Start of picture text -----

ATM/ACCESS
----- End of picture text -----

Broadening protection-led product access

Expanding assisted credit access

Reinforcing physical financial access

• Universal Sompo

• Shriram General

• SBI General

• Bajaj General Insurance

• Muthoot Fincorp

• Tyger Capital

• Tyger Home Finance

• Aadhaar Housing

• RBI WLA authorization renewed till 31[st] March 2027

• Punjab & Sind Bank ATM shipment mandate

• Ageas Federal Life Insurance

• IndiaFirst Life Insurance

• Aditya Birla Health Insurance

• Piramal Finance

• MSME loans

• LAP, home loans, vehicle-linked finance.

• UCO Bank ATM shipment mandate

• Secured various software deals

13

GROWTH STRATEGY: UPDATE ON BANKING SERVICES

==> picture [200 x 63] intentionally omitted <==

NEW BANKING PARTNERSHIP ADDED DURING THE QUARTER

==> picture [206 x 95] intentionally omitted <==

==> picture [233 x 57] intentionally omitted <==

EXPANDING ACCESS, EMPOWERING EVERY CORNER

• Expanded Banking Network: Added new partner banks to deepen rural reach.

• Extensive BC Network: More than 15,000 Banking BC points enabling AePS-based biometric services.

• Financial Inclusion Leader: 30+ million PMJDY accounts opened across India.

• Last-Mile Presence: Strengthening access in underserved and remote regions.

14

==> picture [200 x 63] intentionally omitted <==

GROWTH STRATEGY: UPDATE ON INSURANCE SERVICES

INSURANCE PARTNERSHIP ADDED DURING THE QUARTER

==> picture [259 x 121] intentionally omitted <==

EMPOWERING BHARAT: EXPANDING INSURANCE REACH THROUGH STRATEGIC PARTNERSHIPS & TAILORED OFFERINGS

• Insurance penetration in India stands at ~3.7% of GDP, with a significant portion of the rural population remaining uninsured.

• Recently onboarded multiple insurance partners to enhance product offerings and distribution

• capabilities.

• Launched affordable, small-ticket insurance products specifically tailored for rural and semiurban customers.

• Introduced a diverse range of products including Home Insurance, Shop Insurance, and other general insurance products to address varied customer needs.

15

==> picture [200 x 63] intentionally omitted <==

GROWTH STRATEGY: UPDATE ON FINANCIAL SERVICES

NEW LOAN PRODUCT KEY PARTNERSHIP ADDED DURING THE QUARTER

==> picture [139 x 85] intentionally omitted <==

==> picture [138 x 81] intentionally omitted <==

BRIDGING THE CREDIT GAP: MAKING CREDIT ACCESSIBLE TO EVERY CORNER OF BHARAT

• Loan Growth: India’s total loan volume surged 78% (Mar 2020–Mar 2025) , reflecting strong credit expansion.

• Personal Loans Surge: Added 33.6 million new active loans in FY2023–24 , driven by rising consumer confidence.

• Digital Lending Boom: Fastest-growing channel with 30.2% CAGR .

• Future Outlook: Market projected to reach USD 2.38 billion by 2030.

• Financial Inclusion Focus: Expanding loan products and distribution to boost rural and semiurban credit access.

16

==> picture [200 x 63] intentionally omitted <==

GROWTH STRATEGY: STRONG FOCUS AREAS

Key Growth Drivers Accelerating Vakrangee’s Next Phase of Expansion

==> picture [78 x 86] intentionally omitted <==

==> picture [207 x 163] intentionally omitted <==

----- Start of picture text -----

Insurance
Equity
----- End of picture text -----

==> picture [78 x 86] intentionally omitted <==

==> picture [78 x 86] intentionally omitted <==

==> picture [78 x 86] intentionally omitted <==

==> picture [207 x 52] intentionally omitted <==

----- Start of picture text -----

Loans
----- End of picture text -----

Mutual Funds

Empowering Bharat with Wider Access & Stronger Margins

• Stronger partnerships: Added multiple partners to expand reach & enhance service delivery.

• Affordable offerings: Small-ticket products for rural & semi-urban customers.

• Strategic focus: Driving high-margin business to improve operational efficiency.

• Sustainable growth: Building a scalable and profitable model.

17

GROWTH STRATEGY INITIATIVES : VORTEX ENGINEERING

==> picture [200 x 63] intentionally omitted <==

AT AN INFLECTION POINT, POISED FOR STRONG GROWTH

Large growing domestic & replacement market

• India’s installed ATM capacity: ~250k+ machines.

• Banking Sector branch expansion: 20,000+ new ATMs.

• Global ATM replacement: Switch from Windows 7 to Windows 10.

• Banking refresh cycle: 80,000+ ATM refresh cycle over next 18-24 months.

• Migration to Windows 11 & Hardware Upgrade: Banks are transitioning to Windows 11 & upgrading ATM hardware from 9[th] to 12[th] Gen motherboards for future-readiness.

Global Market Opportunity

▪ Global ATM market size reached ~$20.2 bn in 2020 and is expected to grow at a ~8.12% CAGR until 2027

• Rising demand for ATMs and banking automation in emerging economies.

▪ Expansion plans: Targeting high-potential regions like Latin America, MEA, and Asia-Pacific

Strong Growth Visibility

• Till now, more than 15,435 ATM machines are successfully supplied.

▪ In FY26, 1,679 ATM machines were successfully supplied.

• Strong Revenue & Profitability Visibility in FY27 Driven by Robust ATM Machine Orders.

• Annuity nature of the AMC business derives value from the growing scale of the installed base of ATMs.

▪ Strong growth & profitability for the IP Product Software Business (Perfo).

18

==> picture [200 x 63] intentionally omitted <==

GROWTH STRATEGY INITIATIVES : VORTEX ENGINEERING

Strengthening Vortex Engineering’s Growth Platform Through Seasoned Industry Leadership

Key Strategic Advisor : Mr. Manjunath Rao joins Vortex Engineering team during FY2026

==> picture [155 x 196] intentionally omitted <==

Mr. Manjunath Rao joined Vortex Engineering in FY2026, bringing 34+ years of leadership experience across banking technology, enterprise sales and managed services. He has held leadership positions at CMS Infosystems, NCR India, CashLink Global Systems, and Diebold Systems India.

His induction strengthens the Company’s execution capability, partnership network and market-facing leadership as Vortex Engineering accelerates its next phase of growth

Strategic Value to Vortex Engineering

• Accelerating growth through deep industry & technology leadership.

• Driving product & solution-led expansion across banking and enterprises.

• Strengthening strategic enterprise & banking partnerships.

19

BUSINESS STRATEGY UPDATE: VORTEX ENGINEERING

==> picture [200 x 63] intentionally omitted <==

COMPANY OVERVIEW

UNIQUE OFFERINGS SUITED TO EMERGING MARKET

GROWTH STRATEGY

KEY METRICS

==> picture [483 x 115] intentionally omitted <==

----- Start of picture text -----

KEY METRICS
Strong software 1,679 9 Patents / IP 15,400+
IP product play no. of ATM in the field of ATMs shipped
“Perfo®” highly units shipped ATM & Cash across India,
scalable & in FY26 Dispensers Africa & South
profitability Asia
20
----- End of picture text -----

==> picture [239 x 101] intentionally omitted <==

----- Start of picture text -----

Strong Strong export
Revenue business
Visibility opportunity
with new with high
ATMs Order profitability
----- End of picture text -----

==> picture [200 x 63] intentionally omitted <==

BUSINESS SRATEGY UPDATE: VORTEX ENGINEERING

CUSTOMER PROFILE AND KEY ATM OFFERINGS

Key ATM Offerings

Key Customers

Indian Public and Private Sector Banks

==> picture [29 x 42] intentionally omitted <==

==> picture [57 x 28] intentionally omitted <==

==> picture [44 x 27] intentionally omitted <==

==> picture [52 x 21] intentionally omitted <==

==> picture [105 x 23] intentionally omitted <==

==> picture [91 x 26] intentionally omitted <==

==> picture [70 x 22] intentionally omitted <==

==> picture [66 x 22] intentionally omitted <==

==> picture [88 x 14] intentionally omitted <==

Operators

==> picture [93 x 46] intentionally omitted <==

==> picture [101 x 41] intentionally omitted <==

==> picture [72 x 29] intentionally omitted <==

==> picture [160 x 21] intentionally omitted <==

Exports

==> picture [52 x 27] intentionally omitted <==

==> picture [75 x 25] intentionally omitted <==

==> picture [69 x 25] intentionally omitted <==

==> picture [55 x 21] intentionally omitted <==

==> picture [35 x 20] intentionally omitted <==

==> picture [41 x 48] intentionally omitted <==

==> picture [29 x 36] intentionally omitted <==

==> picture [33 x 36] intentionally omitted <==

==> picture [46 x 36] intentionally omitted <==

==> picture [47 x 36] intentionally omitted <==

==> picture [31 x 36] intentionally omitted <==

==> picture [37 x 34] intentionally omitted <==

Ecoteller – Front Load ATM Desktop ATM – Ecoteller Mini

• ➢ Very low operating expenses

• ➢ Wall mountable or Tabletop model

• ➢ Suitable for Mobile Application

==> picture [64 x 102] intentionally omitted <==

----- Start of picture text -----

➢
➢
➢
➢
----- End of picture text -----

• ➢ Can operate under power fluctuations and power failures

==> picture [75 x 77] intentionally omitted <==

• ➢ Supports Aadhar based bio-metric authentication &

• ➢ Easy to use; provides biometric authentication

• ➢ Electronic journal – saves paper

• ➢ Very compact – uses less real estate

• ➢ Extendable to include Cash deposit function

• real estate ➢ Lowest Capex

• ➢ Built-in Digital Video product in the Surveillance System market

Through-the-wall ATM Bunch Note Acceptor/Recycler

• ➢ Developed for both indoor & outdoor installations

• ➢ Designed specifically for export markets

• ➢ CEN L / 1 Certified Safe

• ➢ Suitable for large volume deposits

• ➢ Complies with all international standards and certified with all major switches

==> picture [65 x 67] intentionally omitted <==

• ➢ UL291 Level 1-certified chest

• ➢ Reliable Fake note detection

• ➢ Suitable for outdoor installations

• ➢ Bunch presenter with a ➢ Interfaces with Switch maximum capacity of (NDC+) 40 notes per ➢ 7 notes/second note transaction acceptance (high-

• ➢ Eco-Friendly and Userspeed) Friendly ➢ Large capacity: 100 notes per transaction 21

==> picture [200 x 63] intentionally omitted <==

FOCUS ON INNOVATION WITH “MAKE IN INDIA”

==> picture [242 x 97] intentionally omitted <==

Front Load / Lobby ATM Machine

Banking Automation Mini / Desktop / Products : Digital Mobile ATM Banking Unit (DBU)

Through-the-Wall (TTW) ATM

• Recently launched 2 new products i.e. Android ATM and MINI ATM

• Banking Automation Products: Plan to launch Digital Banking Unit (DBU) kiosk, an alternate to Physical Bank Branch

• Android ATM is with advance Digital Banking features, an alternate to Physical Bank Branch along with Next-Generation User Interface powered by Open-Source Android OS

22

==> picture [200 x 63] intentionally omitted <==

COMPANY OVERVIEW

23

==> picture [200 x 63] intentionally omitted <==

VAKRANGEE JOURNEY SO FAR

• Asset-light, retail-focused franchise model

2023 ONWARDS (POST DEMERGER) NEXTGEN VAKRANGEE KENDRA & DIGITAL APP BUSINESS

PHASE

4

• District-level M F rollout for full coverage

• Focus on scaling last-mile rural distribution

• Acquisition of Vortex Engineering (Subsidiary of Vakrangee)

• Launched NextGen Kendra with standard branding

• Multi-line of services – Banking, E-Governance, Insurance, E- Commerce, Total Healthcare & optional ATM services

• Launch of Digital Platform : “ BhrartEasy Super Mobile App”

PHASE 3

2019-2022 NEXTGEN VAKRANGEE KENDRA BUSINESS

• BC Banking mandate – Financial Inclusion, Emerged National BC partner to major PSU banks

2012-2018 BUILDING KENDRA BUSINESS ALONG WITH E-GOVERNANCE

• Incorporated in 1990 as a System Integrator for E-Governance Projects

• Worked on various Key Mission Mode projects such as Central Election Commission, MCA-21, RSBY, & PSK.

• Won UID Enrolment Project for enrolling Aadhaar

==> picture [39 x 27] intentionally omitted <==

----- Start of picture text -----

PHASE
2
----- End of picture text -----

==> picture [39 x 27] intentionally omitted <==

----- Start of picture text -----

PHASE
1
----- End of picture text -----

• Launched Vakrangee Kendra model (Store in Store Format)

• Received RBI license for White Label ATMs

• Ventured into G2C & B2C services

==> picture [148 x 92] intentionally omitted <==

1990-2011 EMERGED LEADER IN E-GOVERNANCE BUSINESS

24

==> picture [200 x 63] intentionally omitted <==

VAKRANGEE KENDRA – SCOPE OF SERVICES

BFSI & ATM SERVICES

==> picture [73 x 72] intentionally omitted <==

==> picture [70 x 72] intentionally omitted <==

==> picture [68 x 72] intentionally omitted <==

==> picture [70 x 71] intentionally omitted <==

• ATM FINANCIAL INSURANCE BANKING SERVICES

• White Label ATM Operator

• ATM Cash Withdrawal • Opening of Online Demat & • Life Insurance • Account Opening Non-Financial Trading Account • General Insurance • Transactions • Money Transfer • Health Insurance Services • Lead Generations of

==> picture [32 x 32] intentionally omitted <==

==> picture [36 x 17] intentionally omitted <==

• ATM Cash Withdrawal

• Cash Withdrawal/ Deposit Services

• • Other Banking services

• Non-Financial Transactions

• Personal / Business Loans

• Pan Card Service

• CIBIL Score service

• Filing of I.T returns Services

25

VAKRANGEE KENDRA – SCOPE OF SERVICES

==> picture [200 x 63] intentionally omitted <==

ASSISTED E-COMMERCE SERVICES

==> picture [94 x 94] intentionally omitted <==

==> picture [109 x 87] intentionally omitted <==

==> picture [99 x 90] intentionally omitted <==

==> picture [71 x 71] intentionally omitted <==

==> picture [74 x 72] intentionally omitted <==

• ONLINE AGRICULTURE

• ONLINE ASSISTED TOTAL RECHARGE & ASSISTED ONINE PRODUCTS &

• SHOPPING HEALTHCARE BILL PAYMENTS TRAVEL SERVICES SERVICES

• (Available only on BharatEasy Mobile Super App) (Only for Rajasthan)

• • Online Shopping • Telemedicine • Mobile/DTH • Train Ticket • Online Agriculture of Goods services Recharge Booking Product & • Online Shopping • Bill Payments • Bus Ticket Services of Medicines • Subscription based Booking OTT Plans • Flight/Hotel Ticket

• • E-Mitra services in Booking Rajasthan

26

==> picture [200 x 63] intentionally omitted <==

VAKRANGEE KENDRA (VK) MODEL : LOOK & FEEL

MODEL 1 : VK WITH ATM WITH PRIVATE BANK BC POINT

MODEL 2 : VK WITHOUT ATM WITH PSU BANK BC POINT

MODEL 3 : VK WITHOUT ATM WITH PRIVATE BANK BC POINT

==> picture [191 x 134] intentionally omitted <==

==> picture [177 x 132] intentionally omitted <==

==> picture [176 x 131] intentionally omitted <==

Min Area required 65-80 sq. ft.

Min Area required 25-30 sq. ft.

Key Features :

Key Features :

• Exclusive Dedicated Outlet for Banking BC point services

• Exclusive dedicated outlet for ATM & Other services. Design provision such that ATM can be operational for extended hours

• ATM at outlet located within the store

• Potential to enhance the footfall significantly

• • CCTV Monitoring system

Highly Recommended : Store Exclusivity with Consistent Branding

==> picture [108 x 105] intentionally omitted <==

• Exclusive store model has Higher Earning Potential and Higher Success

• Dedicated Exclusive outlet for Banking BC point services only.

• Delivers Standardize service level and same customer experience.

• Standardized layout and design by L&H (Lewis & Hickey)

27

==> picture [200 x 63] intentionally omitted <==

VAKRANGEE KENDRA : LONG TERM SUSTAINABLE & PROFITABLE BUSINESS MODEL

• With the development of the Digital Economy, India is fastly moving towards Digital Payment Mechanisms and Emerging as a Cashless Society

• With the fast pace of digital payment penetration, Cash transactions such as ATM & Banking transactions are expected to witness slow down. Therefore, there would be profitability & viability challenges for standalone business models such as only White Label ATMs, only Banking (AEPS) provider, only Money Transfer providers which are dependent on cash transactions

• Vakrangee is future ready with a clear focus on building long term sustainable & profitable business model.

• Non-Cash based Banking Offering such as Account Opening, Loan Product, Insurance Services, Fixed Deposits & NPA Recovery

• No dependency on single line of product or services such as ATM or Banking Services

• Wide portfolio of product & services such as Online Shopping, Total Healthcare Services, Bill Payments, Online Travel Services, Mobile Recharges, CIBIL Score services, Pan Card Services, Online Opening of Demat & Trading Account Opening Services and many more

• Highest commission in the industry

BENEFITS OF VAKRANGEE OVER OTHER PLAYERS

Sr. No.	Particular	Vakrangee	Only WLA Peers	Only DMT & AEPS Peers
1	Multiple Line of Product & Services
1.1	Non-Cash based Banking Offering
1.2	Online Shopping & Other E-Commerce Services
2	Highest Commission in the industry

28

==> picture [200 x 63] intentionally omitted <==

UPDATE ON MASTER FRANCHISEE INITIATIVES

A UNIQUE LIFETIME EARNING OPPORTUNITY

• Master Franchisees (MF) are eligible to earn a % of active franchisee’s earnings on an on-going perpetual basis.

• Responsible for end-to-end monitoring and ensuring operational compliance for there respective franchisees.

• MF to provide on-ground support to existing outlets & drives new franchisee acquisition for growth.

• District level Master Franchisee appointed in 535 districts across 31 states across the Country (as on March 31, 2025).

• This would lead to help us scale at a faster pace and expand on a pan India basis.

Plan to achieve 100%

District coverage

MASTER FRANCHISEE DISTRICT LEVEL OFFICES

==> picture [205 x 169] intentionally omitted <==

----- Start of picture text -----

District : Balaghat
State : Madhya Pradesh
----- End of picture text -----

==> picture [442 x 169] intentionally omitted <==

----- Start of picture text -----

District : Surguja District : Muzaffarpur
State : Chhattisgarh State : Bihar
----- End of picture text -----

29

==> picture [200 x 63] intentionally omitted <==

UPDATE ON BHARATEASY MOBILE SUPER APP

• Vakrangee is launching an online digital platform to enable seamless services for the consumer at the comfort of their homes. Through this, company has evolved into the unique O2O (Online to Offline) platform, whereby there is Assistance available through the Physical Kendra network along with Digital Online Services.

• The Company has currently launched an upgraded Beta Trial Version of “BharatEasy” Mobile Super App” based business platform.

• The Mobile super app platform would be offering various consumer products and services under one umbrella. Consumers would use it every day because our app would offer a seamless, multi-service, integrated, contextualized and efficient experience.

==> picture [137 x 275] intentionally omitted <==

==> picture [137 x 275] intentionally omitted <==

==> picture [137 x 279] intentionally omitted <==

30

==> picture [200 x 63] intentionally omitted <==

BUSINESS MODEL : OUR UNIQUE OFFERING

==> picture [352 x 287] intentionally omitted <==

----- Start of picture text -----

Customer
BharatEasy Mobile Super App
----- End of picture text -----

BharatEasy Mobile Super App

Strong Value Proposition

• All in One Super App Platform

• Access to Physical Store network - Trust & Comfort for Customers especially in Rural India

Unique Convenience Features : Leveraging the Vakrangee Eco-System

• Store Pick Up Facility

• Pay at Store (Cash)

• Order Return facility

• Courier Pick up / Drop Facility

• Physical Assistance Available

• Grievance / Helpdesk Facility

Service Partners

• Super App : Multi Category Offering

• • Online Shopping

• Total Healthcare

• Banking / Insurance / Money Transfer

• Bill Payments / Recharges

• Loan Products / Mutual Funds

• Travel / Entertainment / Events

• Agri Products

• Courier Services

• Online Education

==> picture [122 x 41] intentionally omitted <==

==> picture [133 x 100] intentionally omitted <==

Vakrangee Kendra Network

• Master Franchisees - 535

• Store Network – 23,087 outlets

31

==> picture [200 x 63] intentionally omitted <==

UPDATE ON SUSTAINABILITY ESG INITIATIVES

32

==> picture [195 x 70] intentionally omitted <==

KEY INITIATIVES : SUSTAINABILITY IMPACT & ESG

VAKRANGEE ESG PERFORMANCE UPDATE

S&P Global ESG Score

Vakrangee has earned a “S&P Global Bronze Class” spot in the yearbook and has score 60 ESG Score (S&P Global Scores) in the Corporate Sustainability Assessment (CSA) survey.

Sustainalytics ESG Score

Source Link : https://www.sustainalytics.com/esgrating/vakrangee-ltd/1028256073

SUSTAINABILITY IMPACT & ESG

Being Responsible & Social Conscious Company

• Being one of the largest franchisee-based, multi-service retail network, Vakrangee is focused on creating India’s extensive network of last-mile retail outlets at every postal code in the country, enabling Indians to benefit from financial, social and digital inclusion.

Independent ESG Risk Assessment

• Earned a “S&P Global Bronze Class” spot in the sustainability yearbook 2022 and has score 60 ESG Score in the Corporate Sustainability Assessment (CSA) survey.

We have mapped our sustainability initiatives with the United Nation’s Sustainable Development Goals. Our aim is to efficiently adopt these goals and address the global challenges, which includes poverty, inequality, climate, environmental degradation, prosperity, peace & justice.

33

==> picture [200 x 63] intentionally omitted <==

Thank You

34