Avenuesai Ltd · NSE:CCAVENUE
Avenuesai — Q1 FY27 Earnings Presentation
25 slides from Avenuesai's earnings presentation, Aug 11, 2026
Slide 1: Earnings Presentation Q1 FY27
Earnings Presentation 11th August 2026 AvenuesAI A GLOBAL FINTECH COMPANY Q1 FY27
Slide 2: 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 3: 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 4: AvenuesAI: 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 5: 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 6: 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 7: CCAvenue: The AI Powered Monetization Engine of AvenuesAI
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 8: Phronetic: The Intelligence Control Layer of AvenuesAI
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 9: 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 Operatio
Slide 10: Financial Performance and Outlook
FINANCIAL PERFORMANCE AND OUTLOOK Structural Inflection Point: From Payment Gateway to AI Native Transaction Infrastructure EARNINGS PRESENTATION
Slide 11: Guidance FY27: Well-poised for Future Growth
Guidance FY27 Well-poised for Future Growth Particulars (INR Million) FY26 Actual FY27 Guidance Gross Revenue 81,158 1,10000 – 1,30000 Earning per Share * 9.42 8.75 – 9.50 * based on the proposed post-corporate-action face value of INR 10 per share. 11
Slide 12: Q1 FY27 At A Glance: Key Strategic Business Developments
Q1 FY27 At A Glance Key Strategic Business Developments 01 Strengthening UAE Presence with CBUAE Payment License Approval Received In-Principle Approval from the Central Bank of the UAE (CBUAE) for a Retail Payment Services – Category III License for Avenues World FZ LLC. The approval strengthens Av
Slide 13: Q1 FY27 At A Glance: Key Strategic Business Developments
Q1 FY27 At A Glance Key Strategic Business Developments 04 Strategic Investment in OPL to Accelerate AI-led Digital Lending AvenuesAI has approved a strategic investment to acquire a 7% minority stake in Online PSB Loans (OPL), operator of India’s largest public-sector-backed digital credit platform
Slide 14: Q1 FY27 Performance At A Glance
Q1 FY27 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 1.48 tn 5.3 bps Business Performance + 74% YoY - 49% YoY No. of merchants TPV 1 Payments NTR 26,804 1,000 848 Financial Performance + 109% YoY + 41% YoY + 45% YoY (INR million) Gross Revenue EBITDA PAT INR 1,475 mn 68%
Slide 15: Financial Performance Snapshot – Q1 FY27
Financial Performance Snapshot – Q1 FY27 Growth Across All Key Parameters Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) Q1 FY27 Q1 FY26 YoY (%) Q4 FY26 QoQ (%) Transaction Processing Value 1,479 850 74%
Slide 16: Company Overview & Industry Outlook
COMPANY OVERVIEW & INDUSTRY OUTLOOK Structural Inflection Point: From Payment Gateway to AI Native Transaction Infrastructure CORPORATE PRESENTATION
Slide 17: About AvenuesAI
About AvenuesAI Click to watch video
Slide 18: 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 19: 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 20: 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 21: 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 22: Few Marquee Clients
Few Marquee Clients Marquee Clients Across Industries INDIA GCC 10.0+ million total merchants; strong merchants addition in payment continues 22
Slide 23: Company Overview: Rediff Platform Business
COMPANY OVERVIEW Rediff Platform Business
Slide 24: 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! 24
Slide 25: 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