Investor Presentation

Here's a summary of Turtlemint's investor presentation, crafted for retail investors: **1. Business Performance:** Turtlemint saw strong growth in FY26, with revenue from operations reaching INR 10,983 Cr, a 57% increase YoY.

Platform premium also surged 31% YoY to INR 38,678 Cr.

This growth is largely driven by its extensive network of 659,073 digital partners, with 75.36% of business originating from B30+ geographies, highlighting deep reach beyond metros. **2. Growth Drivers or Strategy:** The company is focused on expanding its digital partner network, especially in high-growth B30+ markets.

A key strategy is to become a one-stop shop for customer financial needs by adding new insurance products and other financial services like mutual funds and loans. **3. Recent Developments:** Turtlemint is actively integrating AI across its operations, aiming to become an "AI First" company.

This includes AI-driven sales channels, co-pilots for digital partners and relationship managers, and AI-powered customer support for improved retention and productivity. **4. Key Financial Metrics:** For FY26, Revenue from Operations was INR 10,983 Cr, up 57% YoY.

Service EBITDA grew 70% YoY to INR 1,416 Cr.

Adjusted EBITDA improved significantly to a breakeven in Q4 FY26 from a loss in FY25. **5. Management Commentary / Outlook:** Turtlemint sees a vast opportunity in India's underpenetrated insurance market, driven by increasing demand from B30+ areas and digital penetration.

The company emphasizes its unique tech-enabled PoSP model and granular network as key competitive advantages.

Future plans include deepening customer relationships and expanding its product offerings.