Slide 1: Exchange Cover Letter: Conference Call Recording and Updated Presentation
Date: 21st November, 2024 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.: Link for recording and upd
Slide 2: DiGiSPICE Technologies Limited Q2FY25 Investor Presentation
DIGISPICE TECHNOLOGIES LIMITED Q2FY25 Investor Presentation 1
Slide 3: Table of Contents
1 Executive Summary 2 Spice Money: Key Business Update Spice Money: Movement in GM Table of Contents 3 Contribution Mix 4 Spice Money: Services Update 5 Financial Highlights 2
Slide 4: Executive Summary
Executive Summary Strategic Vision Key Update Q2 FY25 ▪ Consolidate share of core assisted payments ▪ Significant growth in Collections with GTV growing by ~30% industry and maintain market leadership. Double down Y-o-Y. Also, we have been able to hold our AEPS market share on operating leverage in
Slide 5: Spice Money Adhikari - Growing Network
Spice Money Adhikari - Growing Network Spice Money Adhikaris (‘000) 1600 1464 1392 1400 1244 1200 1006 1000 800 Spice Money Adhikari 576 600 Geographical Presence Across: 2.47 L villages 400 241 6,475 Blocks 200 0 FY20 FY21 FY22 FY23 FY24 H1FY25 Strong presence Growing opportunity 4
Slide 6: Spice Money – Key Business Update
Spice Money – Key Business Update Customer Gross Transaction Value (in INR. ‘000 Crs) Spice Money Service Fee Revenue (in INR Crs) 450. 120. 400. 420 427 100. 350. 300. 349 - 3.2% 80. - 5.4% 250. 2.5% 60. 108 200. 2.8% 101 194 40. 83 150. 46 100. 20. 110 101 104 27.1 25.6 26.3 50. 0. 0. FY21 FY22 FY
Slide 7: Spice Money – Movement in GM Contribution Mix
Spice Money – Movement in GM Contribution Mix Q2 FY25 Nature of Contribution to Contribution to Product line Strategic Driver Margins Business GM Q2 FY 25 GM Q2 FY 24 (in INR Crs) AEPS + Micro ATM Key business attracting customer footfall 25.2 58% 65% Remittance Footfall Driver 1.7 4% 4% Transaction
Slide 8: Spice Money – Key Services Update- AEPS
Spice Money – Key Services Update- AEPS Q-o-Q Y-o-Y FY24 vs Industry Metrics Q2 FY25 Q1 FY25 Q2 FY24 FY24 FY23 Change % Change % FY23 Industry Industry GTV (Off- Us)(In INR Crs.) 70,822 71,732 81,450 3,14,000 3,33,620 -1.3% -13.0% -5.9% SM GTV (In INR Crs.) 12,175 12,310 14,044 54,780 57,214 -1.1% -
Slide 9: Spice Money – Key Services Update- CMS
Spice Money – Key Services Update- CMS CMS GTV (in INR. Crs) • No. of Large CMS SMAs who have >30 Lacs GTV/Quarter has increased by more than 15% Y-o-Y. The business contributed by them has also 30000 27,682 Increased by 31% Y-o-Y. 25000 28.5% • Large CMS SMAs contribute to over 91% of the total 200
Slide 10: Spice Money – Key Services Update- BBPS
Spice Money – Key Services Update- BBPS Bill Payment GTV (in INR Crs) • Loan Repayment- EMI main driver for BBPS Growth. 4500 • BBPS collection centres are deeper in rural areas & 4000 4,190 smaller in size as compared to CMS. Hence, gradual shift 1,030 of CMS customers towards BBPS, which is helpin
Slide 11: Spice Money – Key Services Update- CASA (Lifetime)
Spice Money – Key Services Update- CASA (Lifetime) Total Saving Accounts Total Current Accounts Total Float (in INR Crs) SMAs opened 5+ accounts 583,229 42,102 1.5x 125.3 122.6 22,301 2x 30% 20 % 1.7x 38% 1.5x 18,579 32,274 422,297 80 10,989 218,797 12,506 Q2FY24 Q1FY25 Q2FY25 Q2FY24 Q1FY25 Q2FY25 Q
Slide 12: Spice Money – Key Services Update- Credit
Spice Money – Key Services Update- Credit No. of Adhikari & Grahak Loans (‘000) Value of Adhikari & Grahak Loans (in INR Crs) Adhikari Loan Grahak Loan (Majorly Secured Loan) Adhikari Loan Grahak Loan (Majorly Secured Loan) 70 102 19.0 34.0 3.3x 69.6 67.2% 51.0 41.6 57.4 1.6 68.0 6.3 21.5 1.7 29.2 1
Slide 13: Consolidated – Financial Highlights
Consolidated – Financial Highlights Year ended Growth Growth YTD Growth Particulars (Rs. Crs) Q2FY24 Q1FY25 Q2FY25 FY24 Q-o-Q Y-o-Y Sept'24 Sept'23 Y-o-Y 1.Customer GTV 107,818 27,121 25,613 26,258 3% -3% 51,871 54,442 -5% Remarks Q-o-Q 2. Revenue 439 113 110 109 -1% -3% 219 223 -2% 427 110 101 104
Slide 14: Summary – Platform & New business
Summary – Platform & New business Particulars (Rs. Crs) Year ended Q2FY24 Q1FY25 Q2FY25 Q-o-Q Y-o-Y YTD Growth FY24 Sept'24 Sept'23 Y-o-Y 1. Revenue:- 439.4 112.6 110.2 109.0 -1% -3% 219.2 223.2 -2% Platform Business 436.8 111.7 109.6 108.2 -1% -3% 217.8 221.5 -2% New Business 2.6 0.9 0.5 0.8 52% -9
Slide 15: Thank You
Thank You For further queries please contact: Sanjyot Baviskar Adfactors PR +91 8879 269 297 sanjyot.baviskar@adfactorspr.com 14