Novus Loyalty Ltd. · BSE:NOVUS
Novus Loyalty — Investor Presentation (October 2026)
40 slides from Novus Loyalty's investor presentation, Oct 8, 2026
Slide 1: Submission of Revised Investor Presentation
Date: 08 October,2026 To, BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai, 400001 Scrip Code: 544735 ISIN No.: INE1TFS01019 Subject: Submission of Revised Investor Presentation Dear Sir/Madam, With reference to the Investor Presentation submitted earlier, we wish to inform you that an in
Slide 2: Novus Loyalty Limited October 2026
NOVUS LOYALTY LIMITED October 2026
Slide 3: Safe Harbour
Safe Harbour This document has been prepared for information purposes only and is not an offer or invitation or recommendation to buy or sell any securities of Novus Loyalty Limited (Company) nor shall part, or all, of this document form the basis of, or be relied on in connection with, any contract
Slide 4: Index
INDEX COMPANY OVERVIEW 04 BUSINESS MODEL 10 AI, TECHNOLOGY & PRODUCT INNOVATION 16 INDUSTRY OVERVIEW & MARKET OPPORTUNITY 22 CLIENTELE & ENTERPRISE CASE STUDIES 24 STRATEGIC EXPANSION, PROPOSED ACQUISITION & GROWTH OUTLOOK 29 FINANCIAL OVERVIEW 35
Slide 5: Company Overview
COMPANY OVERVIEW 4
Slide 6: Strategic & Corporate Overview
STRATEGIC & CORPORATE OVERVIEW COMPANY OVERVIEW Building Intelligent Loyalty Infrastructure for Enterprise Engagement Novus Loyalty is an enterprise loyalty and engagement technology company enabling Banks, Fintechs, Retailers, Healthcare companies and large enterprises to acquire, engage, retain an
Slide 7: Leadership
LEADERSHIP Meet The Experts Behind Novus Loyalty Sweta Singh Whole-Time Director Deepak Singh Tomar Qualifications: Bachelor of Engineering (B.E.) in Electronics CEO and Instrumentation Engineering from IET, and has 20 years of Qualification: Bachelor of technology industry experience. Technology (B
Slide 8: Business Heads
BUSINESS HEADS Satyam Kumar Ranjan Sharma Neeraj Solanki Product Head VP Sales Marketing Head A strong team of 75–80 technology professionals, supported by 20–25 marketing professionals, driving innovation and market growth. 7
Slide 9: Novus at a Glance
NOVUS AT A GLANCE Enterprise Scale. Intelligent Engagement. Multiple Monetisation Engines. 100+ 100+ 100+ 100+ 100+ 100+ Enterprise Customers Enterprise Customers Enterprise Customers Enterprise Customers Enterprise Customers Enterprise Customers Served Served Served Served Served Served Trusted by
Slide 10: Our Journey
OUR JOURNEY 2011 | COMPANY 2015 | ENTERPRISE 2020 | ENTRY INTO BFSI 2022-24 | STRENGTHENED 2026 | PUBLIC MARKETS & SCALE-UP INCORPORATED ECOSYSYTEM CAPABILITIES EXPANSION Major breakthrough achieved Progressed to the public markets through its IPO, Established in 2011 as Clavax with NPCI Onboarded a
Slide 11: Business Model
BUSINESS MODEL 10
Slide 12: Four Revenue Verticals
FOUR REVENUE VERTICALS ONE TECHNOLOGY PLATFORM. FOUR MONETISATION ENGINES. Novus operates across four interconnected revenue verticals: Technology, Redemptions, Merchant Promotions and Digital Vouchers. 01 02 03 04 TECHNOLOGY PLATFORM (7%) REDEMPTION MARKETPLACE (39% ) MERCHANT PROMOTIONS (6% ) DIGI
Slide 13: Vertical 1 — Technology
VERTICAL 1 — TECHNOLOGY THE TECHNOLOGY ENGINE POWERING ENTERPRISE LOYALTY Novus connects with enterprise systems to capture transactions, apply loyalty rules and automatically credit rewards to customers. HOW IT WORKS? 01 02 03 04 0 5 CONNECT > CAPTURE > CALCULATE > CREDIT > ENGAGE CBS | Card System
Slide 14: Vertical 2 — Redemption Marketplace & Rewards Commerce
VERTICAL 2 — REDEMPTION MARKETPLACE & REWARDS COMMERCE CONVERTING ACCUMULATED REWARDS INTO REAL-WORLD VALUE Novus enables customers to redeem loyalty points across travel, vouchers, merchandise and other reward categories through its redemption marketplace. REDEMPTION PROCESS DUAL MONETISATION MODEL
Slide 15: Vertical 3 - Merchant Monetisation & Campaign Engine
VERTICAL 3 - MERCHANT MONETISATION & CAMPAIGN ENGINE CONVERTING TRANSACTION INTELLIGENCE INTO MERCHANT VALUE Novus enables merchants to create targeted promotional campaigns using customer transaction and behavioural data. The RFM - Recency, Frequency and Monetary analysis is designed for targeted c
Slide 16: Vertical 4: Digital Vouchers & Corporate Incentives
VERTICAL 4: DIGITAL VOUCHERS & CORPORATE INCENTIVES DIGITAL REWARD DISTRIBUTION AT ENTERPRISE SCALE Novus operates as an enterprise B2B aggregator and distributor, connecting its customers with a broad ecosystem of consumer brands through digital voucher infrastructure. KEY USE CASES Employee Reward
Slide 17: A.I Technology & Product Innovation
A.I TECHNOLOGY & PRODUCT INNOVATION 16
Slide 18: Deep-Tech Innovation: NoCXy AI
DEEP-TECH INNOVATION: NoCXy AI NoCXy AI is Novus Loyalty’s proprietary AI-powered intelligence layer designed to analyse customer behaviour, generate contextual recommendations and automate personalised loyalty interactions. To be built around a 12-agent architecture, NoCXy AI has now moved from dev
Slide 19: Pillar 01 — Member Experience
PILLAR 01 — MEMBER EXPERIENCE Personalisation Redemption Concierge Generates relevant offers and Assists customers in discovering experiences for individual customers. and completing reward redemptions. Customer Retention Conversational Assistant Identifies declining engagement and Provides intellig
Slide 20: Pillar 02 — Merchant & Partner
PILLAR 02 — MERCHANT & PARTNER Campaign Intelligence Partner Onboarding Identifies campaign opportunities Supports faster partner and recommends relevant acquisition and onboarding merchant actions. workflows. Fraud Intelligence Merchant Intelligence Identifies potentially suspicious Provides insigh
Slide 21: Pillar 03 — Platform & System Intelligence
PILLAR 03 — PLATFORM & SYSTEM INTELLIGENCE Data & Compliance Loyalty Intelligence Supports secure and compliant Analyses loyalty-program management of enterprise data. behaviour and economics. Multi-Program Rule Builder Agent Orchestrator Assists in translating business Coordinates multiple loyalty
Slide 22: NoCXy AI - 3 AI Engines Launched
NOCXY AI- 3 AI ENGINE LAUNCHED Personalised Offers | Personalised Redemption | Conversational Engagement PERSONALIZED OFFERS AGENT PERSONALIZED REDEMPTION AGENT CONVERSATIONAL CHATBOT AGENT Turns customer behaviour into relevant offers Makes reward discovery more intelligent Brings the loyalty journ
Slide 23: Industry Overview & Market Opportunity
INDUSTRY OVERVIEW & MARKET OPPORTUNITY 22
Slide 24: Industry Opportunity
INDUSTRY OPPORTUNITY Three Adjacent Markets Supporting Novus's Five Structural Drivers Expanding the Multi-Vertical Model Addressable Opportunity for Novus in USD Billion Global Loyalty Management India Loyalty Market 7.18 51.65 AI-led personalisation Enterprise reward Digital payment GR GR Move loy
Slide 25: Clientele & Enterprise Case Studies
CLIENTELE & ENTERPRISE CASE STUDIES 24
Slide 26: Clientele
CLIENTELE CLIENT TRUST Enterprise Deployments Across Banking, Fintech & Emerging Sectors Novus serves enterprise customers across BFSI, fintech, retail, hospitality, healthcare and other enterprise ecosystems, with deployments spanning India and international markets. BFSI INTERNATIONAL BANKING & FI
Slide 27: Case Study 1: NPCI - RuPay
CASE STUDY 1: NPCI - RuPay NPCI — POWERING LOYALTY ACROSS THE RUPAY ECOSYSTEM CLIENT National Payments Corporation of India (NPCI) PROBLEM SOLUTION IMPACT Rapid digital payment adoption A centralized loyalty and rewards 30%+ increase in digital created a need for scalable, real- ecosystem enabling:
Slide 28: Case Study 2: Novo Nordisk - Healthcare
CASE STUDY 2: NOVO NORDISK - HEALTHCARE NOVO NORDISK — EXTENDING LOYALTY TECHNOLOGY BEYOND BFSI CLIENT Novo Nordisk Global healthcare company. BUSINESS CONTEXT NOVUS ENGAGEMENT Novus is expanding the applicability Novus launched a loyalty / engagement of its loyalty and engagement program for the cl
Slide 29: Case Study 3 - Expanding Redemption into Everyday Mobility
CASE STUDY 3 - EXPANDING REDEMPTION INTO EVERYDAY MOBILITY CLIENT Central Bank of India BUSINESS CONTEXT NOVUS ENGAGEMENT IRCTC CUSTOMER USE CASE Expand the utility and Railway ticket bookings frequency of loyalty- Expanded the Cent Redeem accumulated point redemption Sarthi App Rewardz redemption C
Slide 30: Strategic Expansion, Proposed Acquisition & Growth Outlook
STRATEGIC EXPANSION, PROPOSED ACQUISITION & GROWTH OUTLOOK 29
Slide 31: Dubai Subsidiary
DUBAI SUBSIDIARY BUILDING THE BASE FOR INTERNATIONAL EXPANSION Novus has approved the incorporation of a wholly owned subsidiary in Dubai, United Arab Emirates, to support the Company's international business growth and expansion. WHY DUBAI? GCC MARKET ACCESS REGIONAL PROXIMITY Provides a strategic
Slide 32: Proposed Acquisition | AutoPe
PROPOSED ACQUISITION | AUTOPE ACQUISITION OVERVIEW Novus has entered into a term sheet for the proposed acquisition of up to 80.87% stake in AutoPe Payment Solutions Limited, a fintech/payment solutions company operating primarily in India. The proposed transaction is based on an equity valuation of
Slide 33: Why AutoPe?
WHY AUTOPE? ESTABLISHED & PROFITABLE BUSINESS AutoPe brings an established fintech business with a demonstrated financial track record, generating ₹62.10 Cr revenue and ₹13.60 Cr PAT in FY25, with continued growth in revenue, profitability, net worth and cash balances over FY23–FY25. CROSS-SELLING A
Slide 34: Growth Outlook
GROWTH OUTLOOK FIVE STRUCTURAL DRIVERS OF FUTURE GROWTH DEEPER BFSI INTERNATIONAL AI-LED MONETISATION EXPAND REWARDS PAYMENTS + LOYALTY PENETRATION EXPANSION COMMERCE CONVERGENCE Move deeper into the Build presence across Turn transaction intelligence Increase the value captured Expand beyond loyalt
Slide 35: Global Fintech Fest Participation
GLOBAL FINTECH FEST PARTICIPATION 34
Slide 36: Financial Overview
FINANCIAL OVERVIEW 35
Slide 37: Key Performance Indicators
KEY PERFORMANCE INDICATORS All ₹ In Lakhs Revenue From Operations EBITDA PAT 12,741.95 928.46 1,233.07 10,462.47 7,329.18 568.68 481.69 373.61 296.23 2024 2025 2026 2024 2025 2026 2024 2025 2026 EBITDA Margin (%) PAT Margin (%) 9.68% 7.29% 6.87% 5.44% 4.11% 3.57% 2024 2025 2026 2024 2025 2026 36 Not
Slide 38: Statement of Profit & Loss
STATEMENT OF PROFIT & LOSS All ₹ in Lakhs Particulars FY26 FY25 Revenue from operations 12,741.95 10,462.47 Other Income 30.77 0.12 Total Income 12,772.72 10,462.59 Direct Expense 9351.99 7758.84 Changes in Inventories (256.10) (42.72) Employee Benefit Expense 430.4 417.11 Other Expenses 1982.57 176
Slide 39: Balance Sheet as at March 31, 2026
BALANCE SHEET AS AT MARCH 31, 2026 All ₹ in Lakhs Particulars 31 Mar 2026 31 Mar 2025 Particulars 31 Mar 2026 31 Mar 2025 EQUITY AND LIABILITIES ASSETS Equity Non-Current Assets (a) Equity Share 1,555.02 1.02 (a) Property, Plant & Equipment 49.94 75.84 (b) Other Equity 4,596.72 1,250.05 (b) Intangib
Slide 40: Thank You
THANK YOU Mrs. Aditi Pardal Abhishek Bhutra | Himanshu Jain Company Secretary & Compliance Officer +91 80006 85556 , +91 89051 81853 Investor@novus-loyalty.com Invrel@finportalin.com Request Meeting & Investor Kit