Slide 1: Building a Trusted Financial Services Platform for Bharat
DIGISPICE TECHNOLOGIES LIMITED FY26 ANNUAL GENERAL MEETING Building a Trusted Financial Services Platform for Bharat Rural Fintech business with over 1.7 mn Agents using our digital platform to deliver assisted digital payment services, basic banking and financial services to over 170 mn+ customers
Slide 2: Bharat's Banking Opportunity
Bharat's Banking Opportunity India has largely closed the bank-account and real time payments gap — the gap that remains is fully banking Bharat by providing access to formal financial products for all. PM Jan Dhan Yojana has taken bank accounts from 15.7 Cr in 2015 to 59.1 Cr today — nearly 4x incr
Slide 3: Our Goal & Building Blocks
Our Goal & Building Blocks To use technology to transform how Bharat banks. GOAL To become the go-to interface for formal finance for consumers and small businesses in small towns in Bharat — whether through physical touchpoints or digital platforms. THREE STRATEGIC BUILDING BLOCKS 01 02 03 Assisted
Slide 4: What We've Built: One Trusted Agent Network. Three Compounding Businesses.
What We've Built: One Trusted Agent Network. Three Compounding Businesses. Spice Bharat Stack: Driving financial inclusion across Bharat by leveraging technology to deliver assisted banking, digital wallets, & credit access to the underbanked. Agent App Consumer App Spice Money Spice UPI B2B2C Platf
Slide 5: The Next Leg: Higher-Margin Cross-Sell & Deeper Credit
The Next Leg: Higher-Margin Cross-Sell & Deeper Credit Five pillars evolving Spice Money from basic banking touchpoint into a high-margin full-suite financial services franchise. CASH ACCESS COLLECTIONS DISTRIBUTION SPICE UPI CREDIT GRID 01 › 02 › 03 › 04 › 05 Bharat's Largest Assisted Bharat's Larg
Slide 6: AI Agenda for Bharat — Two key building blocks
AI Agenda for Bharat — Two key building blocks Running the company with efficient unit economics · Building assets that will drive growth Building Block 1 Building Block 2 Every department at peak productivity Building intellectual property that drives growth Automating the operational core of the b
Slide 7: Digispice Technologies: FY'26 Key Highlights
Digispice Technologies: FY’26 Key Highlights Registered Agents (#) Small Town Coverage (#) Customers Served (#) Employees (#) Key Metrics As on 31st March 2026 16.6 Lakhs 2.57 Lakhs 2.75 Cr+ 1,000+ Monthly AEPS GTV AEPS Market Share Enterprise Collection Partners CMS GTV ₹59,405 Crs 18.41% 85+ ₹46,0
Slide 8: Thank You
Thank You SPICE MONEY LIMITED | DIGISPICE TECHNOLOGIES LIMITED FY26 Annual General Meeting www.spicemoney.com complianceofficer@digispice.com 0120 5029101 8