AvenuesAI Ltd · NSE:CCAVENUE
AvenuesAI — Q2 FY27 Earnings Presentation
27 slides from AvenuesAI's earnings presentation, Nov 6, 2026
Slide 1: Exchange filing cover letter
November 06, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai - 400 001 Bandra (East), Mumbai - 400 051 Company Code No.: 539807 Company Symbol: CCAVENUE Dear Sir/ Madam, Sub: Investors’ Presentation
Slide 2: Earnings Presentation Q2 FY27
Earnings Presentation 6th November 2026 AvenuesAI A GLOBAL FINTECH COMPANY Q2 FY27
Slide 3: Disclaimer
This presentation contains certain words and statements concerning AvenuesAI Limited (“the Company”) and its prospects, and other statements relating to the Company’s expected financial position, business strategy, the future development of the Company’s operations and the general economy in India &
Slide 4: Investment Thesis: Why AvenuesAI is Structurally Different
Investment Thesis Why AvenuesAI is Structurally TPV Different? Data 01 Multi-layer regulated payment licenses* Cash 02 Closed loop consumer + merchant ecosystem Flow 03 AI embedded transaction orchestration AI 04 Operating leverage from automation Margin 05 Expanding international footprint * Multip
Slide 5: The Consumer – Business AI Flywheel
AvenuesAI: The Consumer – Business AI Flywheel A Closed-Loop System Where Scale Compounds Advantage Consumer scale Lower CAC Embedded Payments Higher ARPU AI Automation EBITDA Expansion Switching Cost Revenue Predictability 4
Slide 6: Rediff: Low-CAC Consumer Acquisition Engine
Rediff: Low-CAC Consumer Acquisition Engine From A Legacy Portal To A High-Trust Consumer Surface For Payments And Commerce A High-Trust Consumer Entry Layer Why this Matters Logged-in Base (Email, content, communities, habitual usage) for AvenuesAI ? Transaction - Adjacent Moments Bills, bookings,
Slide 7: RediffOne: The AI-Native Operating System for Businesses
RediffOne: The AI-Native Operating System for Businesses Where Workflows, Payments, and Intelligence Converge Commerce Communication Compliance Intelligence Core Operating Orders Email GST Dashboards Modules Catalogue Notifications Reconciliation Forecasting ERP (upcoming) CRM (upcoming) Reporting A
Slide 8: CCAvenue: The AI Powered Monetization Engine
CCAvenue: The AI Powered Monetization Engine of AvenuesAI From Payment Gateway to AI-optimized Financial Execution Layer The Economic Engine Payments Become Economic Impact Every consumer interaction → monetizable transaction Contextual Higher Profitability through: Smarter routing Lower fraud Every
Slide 9: Phronetic: The Intelligence Control Layer
Phronetic: The Intelligence Control Layer of AvenuesAI Operational AI Embedded Across Payments, Workflows, and Decisions Embedded across Approve / Reject Payments the AvenuesAI platform Route / Retry Operations Not a standalone Nudge / Notify Customer Communication Optimises AI product Predict / Pre
Slide 10: How the AvenuesAI Flywheel Compounds
How the AvenuesAI Flywheel Compounds Growth Increases Intelligence. Intelligence Increases Margin What AvenuesAI Looks Like at A Typical Merchant on the Platform System – Level Outcome Scale Acquire Customers Business grows → Consumer scale via Rediff processes more via Rediff payments Run Operation
Slide 11: Financial Performance and Outlook
FINANCIAL PERFORMANCE AND OUTLOOK Structural Inflection Point: From Payment Gateway to AI Native Transaction Infrastructure EARNINGS PRESENTATION
Slide 12: Guidance FY27
Guidance FY27 Well-poised For Future Growth Particulars (INR Million) FY26 Actual FY27 Guidance Gross Revenue 81,158 110,000 – 130,000 Earning per Share * 9.42 8.75 – 9.50 * based on the post-corporate-action face value of INR 10 per share. 11
Slide 13: Key Strategic Business Developments
Q2 FY27 At A Glance Key Strategic Business Developments 01 Launching the CCAvenue AI Suite to Build an AI-Led Payments Layer At Global Fintech Fest 2026, CCAvenue launched its AI Suite under CommerceAI, AvenuesAI’s conversational commerce and agentic payments platform. The suite starts with AI Forms
Slide 14: Key Strategic Business Developments
Q2 FY27 At A Glance Key Strategic Business Developments 01 Visa Payment Passkey Integration for Faster, Safer Authentication CCAvenue integrated Visa Payment Passkey, so customers can authenticate online payments with fingerprint, Face ID or a device PIN instead of passwords or OTPs. Passkeys use de
Slide 15: Q2 FY27 Performance At A Glance
Q2 FY27 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 1.77 tn 5.06 bps Business Performance + 51% YoY - 38% YoY No. of merchants TPV 1 Payments NTR 28,792 989 717 Financial Performance + 47% YoY + 3% YoY + 6% YoY (INR million) Gross Revenue EBITDA PAT INR 1,513 mn 65% 3 47
Slide 16: Financial Performance Snapshot – Q2 FY27
Financial Performance Snapshot – Q2 FY27 Growth Across All Key Parameters Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) Q2 FY27 Q2 FY26 YoY (%) Q1 FY27 QoQ (%) Transaction Processing Value 1,766 1,172 51
Slide 17: Financial Performance Snapshot – H1 FY27
Financial Performance Snapshot – H1 FY27 Growth Across All Key Parameters Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) H1 FY27 H1 FY26 YoY (%) Transaction Processing Value 3,245 2,022 60% (TPV, in INR b
Slide 18: Company Overview & Industry Outlook
COMPANY OVERVIEW & INDUSTRY OUTLOOK Structural Inflection Point: From Payment Gateway to AI Native Transaction Infrastructure CORPORATE PRESENTATION
Slide 19: About AvenuesAI
About AvenuesAI Click to watch video
Slide 20: Business At a Glance
AvenuesAI Business At a Glance 01 India’s First listed fintech company (listed in 2016) with a consistent PROFITABLE track record. A Payment Infrastructure company; Offering omni-channel and full-stack B2B Digital Payments solutions (Payments), enterprise eCommerce 02 Software Platforms (Platforms)
Slide 21: Leading the Industry with Many Firsts (1/2)
AvenuesAI (1/2) Leading the Industry with Many Firsts In 2007, became In 2018, first Indian PA to launched B2B achieve PCI-DSS payments for compliance and In 2014, was the corporates In 2010, launched first to offer Social the first to become offering Vendor India’s first ecommerce Network In-stream
Slide 22: Leading the Industry with Many Firsts (2/2)
AvenuesAI (2/2) Leading the Industry with Many Firsts In 2022, launched among the world’s In 2023, received In 2025, CCAvenue In 2025, CCAvenue most advanced RBI’s Final Partners with Sutex bags the 'Best omni-channel Authorisation for Cooperative Bank for Innovative Mobile payments app, Payment In
Slide 23: International Expansion Plans For Becoming A Global Fintech Player
International Expansion Plans For Becoming A Global Fintech Player Targeting 12-15% international contribution to Payment’s Net Revenue by FY28 04 Other 03 Geographies South 02 East Asia 01 USA UAE and Oman operational. Saudi expected to be fully operational Australia & USA: To be operational GCC by
Slide 24: Few Marquee Clients
Few Marquee Clients Marquee Clients Across Industries INDIA GCC 10.0+ million total merchants; strong merchants addition in payment continues 23
Slide 25: Company Overview: Rediff Platform Business
COMPANY OVERVIEW Rediff Platform Business
Slide 26: Rediff Business
Rediff Business Rediff One Platform RediffPay Integrated & Financial Products Rediff Gurus Enterprise Email Cloud Storage Video Conference Messenger Rediff TV Enterprise ERP – CRM - HRMS Commerce UPI based Payments (Upcoming) Coming Soon! 25
Slide 27: Thank You
Thank You PAYMENTS | PLATFORMS Investor Relations Sunil Bhagat Rajat Gupta sunil.bhagat@ia.ooo rajat@goindiaadvisors.com www.avenuesai.com | www.ccavenue.com