Network People Services Technologies Limited · NSE:NPST
Network People Services Technologies — Q2 FY26 Earnings Presentation
28 slides from Network People Services Technologies's earnings presentation, Nov 13, 2025
Slide 1: Stock exchange intimation letter for investor presentation
ISIN: INE0FFK01017 Date: 13.11.2025 To, The National Stock Exchange of India BSE Limited Limited, Exchange Plaza, NSE Building, Corporate Relationship Department Bandra Kurla Complex, Bandra East, Phiroze Jeejeebhoy Towers, Mumbai-400 0513 Fax: 022-26598237, Dalal Street, Mumbai – 400 001 022-265982
Slide 2: Business Progress – Q2 FY26
Business Progress – Q2 FY26 Providing digital technology across financial value chain
Slide 3: Agenda
NPST- Business Landscape Market Trends Agenda Key Highlights – Q2 FY 26 Financial Highlights – Q2 FY 26
Slide 4: Business Landscape
Business Landscape Market presence, trends, growth opportunities and NPST product fitment
Slide 5: NPST: Leading PayTech Company
NPST: Leading PayTechCompany A digital banking and payments technology partner for: Payment Payment Banks Regulator Fintechs NBFCs Merchants Aggregator Gateway 20+ 18+ 18B+ 350+ Banks and Products in the Annual Transactions Employee Regulated Entities Portfolio Across India Strength www.npstx.com |
Slide 6: Business Verticals
A payment software partner for banks and fintech, enabling a compliant transaction processing engine. Also providing next-generation banking, payment, infrastructure, and software services across multiple segments. Technology Service Provider (TSP) Products: UPI | IMPS | CBDC | Banking Connect | BBP
Slide 7: NPST Tech Presence: Backbone of the Payment Infrastructure
NPST Tech Presence: Backbone of the Payment Infrastructure User Merchant ● UPI ● POS ● IMPS ● Mobile Banking Switch Issuing Bank Acquiring Bank Seamless Canara SBM Interoperable Karnataka Bank KGB Cosmos Central Bank of India Safe & Secure Switch Switch Switch Bank Merchant Consumer Banks www.npstx.
Slide 8: De-Risking: Scaling the TSP Business
De-Risking: Scaling the TSP Business Previous Current TSP TSP Switch System Software UPI IMPS Global Super App Payment Software Acceptance Switch Ecosystem Implementation BBPS Banking Connect Open Banking UPI 123 Soundbox and QR CBDC UPI Omnichannel IMPS Super App On Prem On Prem Hosted Business Lev
Slide 9: De-Risking: Strengthening the PPaaS Business
De-Risking: Strengthening the PPaaS Business Previous Payment Evok Platform Aggregator Business Lever Bank Payin Payment Aggregator MSS Settlement Reconciliation Disputes Digital Onboarding Current Bank 1 Payment Evok Platform Aggregator De-risked Model Business Lever: Bank 2 Payin Payout Autopay SD
Slide 10: Market Trends
Market Trends Emerging Patterns
Slide 11: Market trends shaping our opportunity
Market trends shaping our opportunity Fueled by regulation, macro-economics and technology trends REGULATION ECONOMIC TECHNOLOGY Open Banking Digital Push – Make in India Cloud, Micro-Services API ONDC Smart Cities EmbeddedIntelligence R Data Privacy Laws New Business Models-- Subscription economy I
Slide 12: Levers of Growth: Beyond Payments
Levers of Growth: Beyond Payments New product offering and target segments Market & Total Annual Product Segments Market Payment Banks, PAs, TPAPs, Market: $8 B Processing Evok 4.0, BBPS, Fintechs NBFCs Digital Currency CAGR: ~22% Payment Devices Market: $4 B Qynx QR and Banks, CAGR: ~12.63% Source:
Slide 13: The payments size is significant
The payments size is significant • IOT Payments • ONDC • UPI International • TRED Payments Source : PWC India Payment Handbook 2025-2030 • UPI Auto Top-Up • Contextual Payments UPI Transaction volume - 2030 • UPI Credit Card 576.1 Billion • Credit Line on UPI • UPI Circle • Inward Cross Border UPI T
Slide 14: Digital Payments
Digital Payments UPI Transaction Volume (Bn) Digital Payments Transaction Volume (Bn) P2M P2P 617.3 518.8 163.9 424 140.1 Source: RBI; NPCI; PwC analysis 338.5 118.8 263.4 100.6 206.1 83.9 412.2 150.1 69.9 343.5 274.8 53.8 211.4 116 156.6 77.4 FY24 FY25 FY26E FY27E FY28E FY29E FY30E FY24 FY25 FY26E
Slide 15: Payment Devices
Payment Devices Total payment acceptance devices deployed (Mn) QR and Soundbox devices (Mn) 1400 1297 40 QR Soundbox 1200 1159 37 1034 33 1000 923 30 803 26 Source: RBI; NPCI; PwC analysis 800 699 23 600 1235 1103 984 400 379 20 879 764 665 200 350 0 FY24 FY25 FY26E FY27E FY28E FY29E FY30E FY24 FY25
Slide 16: Online Payments
Online Payments Revenue from online payments (INR Mn) Online payment transactions value (INR Tn) 859 86 Source: RBI; NPCI; PwC analysis 700 70 571 57 469 47 387 39 314 31 255 26 FY24 FY25 FY26E FY27E FY28E FY29E FY30E FY24 FY25 FY26E FY27E FY28E FY29E FY30E NPST Key Product Stack Online payment tr
Slide 17: RegTech
RegTech Value of Fraud Cases (INR Cr) RegTech Market Size (INR Cr) 2025 vs 2030 | CAGR ~ 31.95% 2023 vs 2025 36000 15800 Source: RBI, BlueWeave Consulting, ~ 4x Growth 18000 2x Growth 4000 2023 2025 2025 2030 NPST Key RegTech market is projected to grow by ~200% over the next four years, driven by
Slide 18: Key Highlights – Q2 FY26
Key Highlights – Q2 FY26 Efforts for Incremental Business
Slide 19: Business Update Q2 FY26
Business Update Q2 FY 26 New Launches Launching Evok 4.0 in Dec 2025 1. Bank-in-Box Added New Revenue Streams 2. QR for cooperative banks 1. PPI 3. Autopay Interoperable 2. Cash @ POS (in progress) 4. Banking Connect 3. Early Settlement Target to Increase Target to Increase SaaS based Revenue Revenu
Slide 20: Progress and Expanding Order Book
Progress and Expanding Order Book TSP Payments Platform-as-a-Service RegTech New Order from Large PSU Bank with Working with New 11 Payment Aggregator/Gateway Improved Accuracy Rate 90% 3300+ Branches and 4 Crore Customers Incremental Order Volume ~117% QR Signed 4th Bank for PPaaS services Launched
Slide 21: Bank-in-Box and Banking Connect
Debuts at GFF 2025 1. Bank-in-Box 2. Banking Connect Cooperative Banks Small Finance NPST is one of the first TSP with Banks certified Banking Connect Switch NPST Bank in Box 650+ Banks Mid-size Bank RBI Compliance for Interoperable Target customer Payments UPI IMPS Banking Infrastructure base R
Slide 22: NCMC Card and Bharat Connect B2B
NCMC Card: Bharat Connect B2B: Integrating Mobility and Payments Opportunity in Merchant Business A Government of India initiative under the “One Nation, One Card” Digitizing and automating B2B invoicing, payments, collections, vision for urban mobility. financing, and reconciliation. Market Size Co
Slide 23: Financial Highlights – Q2 FY26
Financial Highlights – Q2 FY26 Providing digital technology across financial value chain
Slide 24: Q2 FY26 Standalone Performance Highlights
Q2 FY26 Standalone Performance Highlights All Figures In ₹ Cr Total Income EBITDA Net Profit 48.61 15.72 9.93 35.04 11.27 7.17 Q1 FY26 Q2 FY26 Q1 FY26 Q2 FY26 Q1 FY26 Q2 FY26 www.npstx.com | 20
Slide 25: Q2 FY26 Standalone Results Highlights
Q2 FY26 Standalone Results Highlights All Figures In ₹ Cr & Margin in % Particulars Q2 FY26 Q1 FY26 Q-O-Q Revenues 46.61 33.61 Other Income 2.00 1.42 Total Income 48.61 35.04 + 38.75% Raw Material costs 19.35 11.75 Employee costs 10.44 9.44 Other expenses 3.10 2.57 Total Expenditure 32.89 23.76 EBIT
Slide 26: Q2 FY26 Standalone Key Financial Highlights
Q2 FY26 Standalone Key Financial Highlights All Figures In ₹ Cr & Margin in % QoQ Key Financial Highlights Particulars Q2 FY26 Q1 FY26 Growth Net Profit EBITDA Total Income 48.61 Total Income 48.61 35.04 38.75% EBITDA 15.72 11.27 39.48% 35.04 28.01 EBITDA (%) 32.34% 32.17% 17 BPS 23.15 Net Profit 9.
Slide 27: Focus for H2 FY26
Focus for H2 FY26 Target Penetration in PSU and Govt accounts for transaction-based Strong Marketing and Scaling Focus opportunity • Increase Revenue streams in PPaaS • Add and Execute new accounts in TSP Cater to increased enquiries beyond Africa • Generate SaaS revenue through RegTech for global e
Slide 28: Thank You!
Thank You!
Network People Services Technologies — Q2 FY26 Earnings Presentation on 6ix