Akiko Global Services Ltd. · NSE:AKIKO
Akiko Global Services — Q2 FY2027 Earnings Presentation
25 slides from Akiko Global Services's earnings presentation, Nov 5, 2026
Slide 1: Regulation 30 intimation letter to NSE
AKIKO GLOBAL SERVICES LIMITED Date: 05-11-2026 To, National Stock Exchange of India Ltd Exchange Plaza, 5th Floor | Plot No. C/1, G Block Bandra - Kurla Complex Bandra (E), Mumbai - 400051 Symbol: AKIKO ISIN: INE0PMR01017 Subject: Intimation under Regulation 30 of the Securities and Exchange Board o
Slide 2: Q2 & H1 FY27 Investor Presentation
AKIKO GLOBAL SERVICES LIMITED Q2 & H1 FY27 Financial performance and consumer fintech progress Investor Presentation November 2026 Akiko Global Services Limited | Investor presentation November 2026 01
Slide 3: Q2 performance and AkikoPay progress
Q2 performance and AkikoPay progress Quarter ended 30 September 2026. App update: November 2026. ₹83.22 cr ₹8.41 cr ~1 lakh Q2 revenue Q2 profit after tax AkikoPay customers +138.1% YoY +101.8% YoY Onboarded in 18 days +22.2% QoQ +19.8% QoQ Android 85,000+ H1 REVENUE H1 PROFIT AFTER TAX ₹151.34 cror
Slide 4: Akiko Global at a glance
Akiko Global at a glance Financial distribution with a growing consumer app Financial distribution TheMoneyFair Credit cards and loans distributed through bank Customer acquisition and matching across and NBFC partners. financial products and lending partners. AkikoPay Partner-led delivery Wallet, p
Slide 5: Operating scale
Operating scale Management operating snapshot ₹550 cr+ 23K–25K 40+ Monthly loan disbursals Monthly credit cards Financial institution relationships Across personal, business Distribution through Bank and NBFC ecosystem and mortgage / home loans banking relationships Distribution provides a customer
Slide 6: Credit-card distribution
Credit-card distribution Digital sourcing and assisted sales across a broad issuer network Multiple issuers 23K–25K Customers can explore card options and eligibility requirements. Cards sourced each month Indicative operating level Digital and assisted reach The app, website, partner network and ca
Slide 7: Loan distribution
Loan distribution ₹550 crore+ in indicative monthly disbursals 75% Personal loans Retail lending is the largest part of the reported loan mix. ₹550 Crore+ 10% Business loans 15% Mortgage / home loans Akiko Global Services Limited | Investor presentation November 2026 06
Slide 8: Distribution footprint and partner access
Distribution footprint and partner access 50 branches across India and UAE Delhi HQ 18 Gurugram 2 Bengaluru 3 Hyderabad 2 Chennai 1 Kolkata 1 Mumbai 2 Visakhapatnam 1 Ahmedabad 2 Vadodara 1 Jalandhar 1 Ludhiana 1 Bathinda 1 Chandigarh 2 Panipat 1 Patna 2 Lucknow 1 Dehradun 1 Pune 1 Jaipur 1 Dubai, U
Slide 9: Leadership
Leadership Management team Ankur Gaba Gurjeet Walia Priyanka Dutta Sachin Founder and MD Director Director CS & Compliance Officer Akiko Global Services Limited | Investor presentation November 2026 08
Slide 10: AkikoPay is live on iOS and Android
AkikoPay is live on iOS and Android Management update: November 2026 ~1,00,000 85,000+ Customers onboarded Android customers In the last 18 days iOS is also live Verification in progress Daily transactions underway KYC completion is progressing across the Management reports encouraging activity as o
Slide 11: Financial services in one app
Financial services in one app Current AkikoPay service offering Credit score and report Free access to credit health information and the available credit report. Cards and loans Credit-card eligibility, personal loans, home loans, car loans and FD-backed credit-card options. Also available Gift card
Slide 12: Wallet and RuPay prepaid card
Wallet and RuPay prepaid card Payments support everyday customer engagement Wallet loading Add money through eligible credit cards or UPI. Transfers and spending Instantly transfer eligible wallet funds to a bank account. Use the RuPay prepaid card for supported online purchases. UPI wallet loading
Slide 13: One customer, a broader financial relationship
One customer, a broader financial relationship AkikoPay supports customer acquisition and ongoing engagement. 01 Acquire AkikoPay and distribution network Discover products and assess eligibility 02 Match Bank / NBFC partners Application, underwriting and approval 03 Engage AkikoPay Wallet, card, cr
Slide 14: UPI, bill payments and product roadmap
UPI, bill payments and product roadmap Next stage of the AkikoPay offering LIVE TODAY NEXT MILESTONE PLANNED ROLLOUT iOS and Android apps Management expects the UPI Scan & Pay after Wallet and prepaid-card services required TPAP approval in approval and integration. Credit score analysis early Decem
Slide 15: Q2 FY27 financial performance
Q2 FY27 financial performance Consolidated figures in ₹ crore Revenue EBITDA Profit after tax ₹83.22 ₹12.77 ₹8.41 ₹68.12 ₹10.10 ₹7.02 ₹4.17 ₹34.96 ₹4.98 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 Q2 FY26 Q1 FY27 Q2 FY27 +138.1% YoY +156.3% YoY +101.8% YoY Akiko Global Services Limited | Investo
Slide 16: H1 FY27 financial performance
H1 FY27 financial performance Six months ended 30 September. Consolidated figures in ₹ crore. Revenue EBITDA Profit after tax ₹151.34 ₹22.86 ₹15.42 ₹64.49 ₹9.11 ₹6.18 H1 FY26 H1 FY27 H1 FY26 H1 FY27 H1 FY26 H1 FY27 +134.7% YoY +151.0% YoY +149.4% YoY Akiko Global Services Limited | Investor presenta
Slide 17: Profitability and funding costs
Profitability and funding costs Operating margin improved while finance costs increased Metric Q2 FY26 Q1 FY27 Q2 FY27 EBITDA margin 14.25% 14.82% 15.34% PAT margin 11.92% 10.30% 10.10% Finance cost (₹ cr) ₹0.25 ₹0.46 ₹1.30 Effective tax rate 4.99% 26.90% 25.37% Q2 EBITDA margin rose 1.09 percentage
Slide 18: Quarterly consolidated income statement
Quarterly consolidated income statement ₹ crore, except EPS in ₹. Growth uses unrounded reported values. Metric Q2 FY26 Q1 FY27 Q2 FY27 YoY Revenue from operations ₹34.96 ₹68.12 ₹83.22 138.1% EBITDA (derived) ₹4.98 ₹10.10 ₹12.77 156.3% Other income ₹0.11 ₹0.38 ₹0.26 137.3% Depreciation & amortisatio
Slide 19: Half-year consolidated income statement
Half-year consolidated income statement ₹ crore, except EPS in ₹ Metric H1 FY26 H1 FY27 YoY FY26 Revenue from operations ₹64.49 ₹151.34 134.7% ₹172.73 EBITDA (derived) ₹9.11 ₹22.86 151.0% ₹25.07 Other income ₹0.11 ₹0.64 464.8% ₹0.27 Depreciation & amortisation ₹0.86 ₹0.88 2.2% ₹1.80 Finance costs ₹0
Slide 20: Balance sheet: assets
Balance sheet: assets Consolidated figures in ₹ crore Assets 31 Mar 2026 30 Sep 2026 Property, intangibles & goodwill ₹5.75 ₹5.08 Non-current investments ₹0.44 ₹0.52 Long-term loans and advances ₹4.36 ₹3.72 Other non-current assets ₹0.60 ₹9.65 Total non-current assets ₹11.14 ₹18.97 Trade receivables
Slide 21: Balance sheet: equity and liabilities
Balance sheet: equity and liabilities Consolidated figures in ₹ crore Equity and liabilities 31 Mar 2026 30 Sep 2026 Share capital ₹10.77 ₹10.77 Reserves and surplus ₹48.78 ₹64.47 Money received against warrants ₹0.44 ₹0.00 Total shareholders’ funds ₹59.98 ₹75.24 Non-controlling interests ₹3.74 ₹4.0
Slide 22: Priorities for the next phase
Priorities for the next phase Customer activation and operational efficiency Customer activation Payments expansion Complete verification, optimize onboarding and Deliver UPI Scan & Pay after the required build repeat app usage. approval and integration. Core distribution Operational efficiency Incr
Slide 23: Longer-term product roadmap
Longer-term product roadmap An integrated consumer financial platform Current services Near-term focus Longer-term options Wallet, prepaid card, credit KYC and activation, wider Insurance distribution, wealth information, cards, loans, payment usage, TPAP and products and MSME services travel, Niyo
Slide 24: Forward-looking statements
Forward-looking statements Investor information This presentation provides information on Akiko Global Services Limited and its financial and operating performance. Investors should read it together with the Company’s financial results and stock-exchange disclosures. Plans, targets and expectations,
Slide 25: Thank You
INVESTOR RELATIONS X-B4 Advisory LLP Thank You Rasika Sawant rasika@x-b4.com +91 95944 57518 Akiko Global Services Limited NSE: AKIKO Divya Shethia divyashethia@x-b4.com +91 88505 95811 Akiko Global Services Limited | Investor presentation November 2026 24
Akiko Global Services — Q2 FY2027 Earnings Presentation on 6ix