Digispice Technologies Ltd. · NSE:DIGISPICE
Digispice Technologies — Q1 FY2027 Earnings Presentation
16 slides from Digispice Technologies's earnings presentation, Aug 6, 2026
Slide 1: Stock exchange intimation letter on investor presentation
August 6, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400 001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400 051 Scrip Code: DIGISPICE Sub.: Investors presentation on the perform
Slide 2: Spice Money Q1 FY'27 Earnings Presentation
Investor Presentation SPICE Q1 FY’27 MONEY Earnings Presentation Performance Update for the Quarter Ended June 30, 2026 Building a Trusted Financial Services Platform for Bharat Released: 7th August 2026 1
Slide 3: Table of Contents
Table of Contents 01|The Spice Bharat Stack 02|Road Ahead 03|Key Highlights 04|Digispice Technologies: At a Glance 05|Financial Highlights 06|Key Business Update 07|Key Services Update 08|Licenses and Partnerships 2
Slide 4: The Spice Bharat Stack
The Spice Bharat Stack Agent-Led Distribution, Customer & Merchant-Led Transactions, Credit-Led Growth Spice Bharat Stack Agent App Consumer App Spice Money Spice Pay B2B2C Platform - Enabling Financial Services for Bharat PPI wallet-based UPI Account Digitizing Cash-First Markets Core Services: Cor
Slide 5: Driving Digital Led Financial Inclusion: Road Ahead
Driving Digital Led Financial Inclusion Unfolding The Next Chapter Road Ahead ATM COLLECTIONS FINANCIAL SERVICES SPICE UPI LENDING Bharat’s Largest Assisted Bharat’s Largest Rural Cash Bharat’s Deepest Financial Bharat’s UPI Account Empowering Bharat with ATM Network Collection Distribution Accessib
Slide 6: Q1 FY'27 Highlights
Q1 FY’27 Highlights Financial Resilience Drives Profitability Despite Soft Volumes Key Highlights PAT - Continuing Business Merger Update Product & Partnerships Insurance Offerings- Launched Shop Insurance, ₹9 Cr NCLT Motion Accepted Merger application was presented before the Mobile Screen Protecti
Slide 7: Digispice Technologies Q1 FY'27 At a Glance
Digispice Technologies Q1 FY’27 At a Glance Key Highlights Registered Agents (#) Small Town Coverage (#) Customers Served (#) Employees (#) Key Metrics As on 30th June 2026 16.8 Lakhs 2.58 Lakhs 2.75 Cr+ 1,000+ Monthly AEPS GTV AEPS Market Share Enterprise Collection Partners CMS GTV ₹13,330 Crs 17.
Slide 8: Financial Highlights
Financial Highlights Higher Operational Efficiency Deliver Strong Profitability Financial Highlights Last 2 Years Performance Quarter-on-Quarter Performance Particulars (Rs. Crs) FY'25 FY'26 Y-o-Y Growth Q1 FY’26 Q4 FY'26 Q1 FY’27 Q-o-Q Growth Customer GTV 1,15,787 1,27,895 10.5% 32,852 31,444 28,29
Slide 9: Geographic Footprint: Expanding Reach, Deepening Market Presence
Geographic Footprint Expanding Reach, Deepening Market Presence Key Business Update Agent Network Penetration (16.6 Lakhs Total) While maintaining dominance in Tier-4, 5 & 6 small towns, we are proactively penetrating adjoining North Region 5,70,292 (33.8%) urban micro-markets with targeted financia
Slide 10: GTV and Gross Margins
GTV and Gross Margins Evolving Product Mix Influencing GTV & GM Dynamics Key Business Update GTV (in ₹ ‘000 Cr) Gross Margin (in ₹ Cr) 140,000 127,908 115,786 4,462 201.2 Q-o-Q Y-o-Y Q-o-Q Y-o-Y 120,000 2,689 CICO -6.1 % ↓ -5.1 % ↓ 178.0 CICO -3.4 % ↓ -2.5 % ↓ 22.2 Collections -18.1 % ↓ -28.6 % ↓ Co
Slide 11: Payments Business
Payments Business Key Services Update AEPS CW GTV- Off-Us Industry & Spice Money (in INR. ‘000 Crs) Subscription Packs Sold (#Nos.) AEPS-Cash Deposit GTV (in ₹ Crs) 20.00% 18.41% 18.29% 18.21% 17.93% 17.27% 59 300 128 ,000 51 461.8 451.8 16% 15.00% 126 ,000 127,239 124,153 Q-o-Q Y-o-Y 399.8 124 ,000
Slide 12: Collections Business
Collections Business Key Services Update Collections GTV (in ₹ Cr) Collections- Client Funnel (# Nos.) 52,051 48,472 Q1FY26 Q1FY27 7.4% 1,240 Q-o-Q Y-o-Y 1,126 273 Overall Collections -18.8% ↓ -29.6% ↓ 1% 4,458 4,184 BBPS Collections 1.1 ↑ 14.2% ↑ 28% 28% 14,374 12,464 10,121 43,162 46,080 71% 277 7
Slide 13: Financial Product Distribution Business
Financial Product Distribution Business Key Services Update Total Accounts (CA/SA) (‘000) - Lifetime Total Float (in ₹ Crs) Levers for Growth Q-o-Q Y-o-Y 320 305 0.5 5 8% ↑ 1.6x ↑ 1,777 30 0 260 • Live with over 60,000+ Adhikari’s who have opened 17.7 1,652 1,652 245 0.5 0 1.6x 81 25 0 221 0.51 0.51
Slide 14: Credit Business
Credit Business Key Services Update Volume of Embedded Finance/Adhikari Loans Disbursed (# Nos.) Value of Embedded Finance/ Adhikari Loans Disbursed (in ₹ Crs) 14,000 14,0 00 12,228 80.0 12,000 153 12,0 00 66.7 70.0 1.5 60.0 10,000 10,0 00 2.7x 3.3x 8,000 8,00 0 50.0 Q-o-Q Q-o-Q 5,222 40.0 6,000 12,
Slide 15: Licenses we Hold and Our Partnerships
Licenses we Hold and Our Partnerships Licenses & Partnerships Licenses we Hold Prepaid Instrument (PPI) license Bharat Bill Payment System license IRCTC Principal Agency license AUA/KUA license Banking Business Partners Credit Business Partners Collection Business Partners Banks NBFCs Logistics & E-
Slide 16: Thank You
Thank You For further queries please contact: Hashika Mutreja Aastha Garg Adfactors PR Associate Vice President, Spice Money Limited +91 9167753859 +91 9953327021 hashika.mutreja@ aastha.garg@spicemoney.com @adfactorspr.com 15
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