Slide 1: Exchange filing letter: investors presentation for quarter ended 30th June 2025
Date: 13th August, 2025 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 th
Slide 2: Investor Presentation Q1 FY26
Investor Presentation Q1 FY26 14th Sept 2025 1
Slide 3: Table of Contents
Table of Contents The Spice Bharat Stack 1 Digispice Technologies: Key Highlights 2 Financial Highlights 3 Key Business Update 4 Gross Margin Contribution Mix 5 Key Services Update 6 2
Slide 4: The Spice Bharat Stack: Agent-Led Distribution, Customer & Merchant-Led Transactions, Credit-Led Growth
The Spice Bharat Stack: Agent-Led Distribution, Customer & Merchant-Led Transactions, Credit-Led Growth Spice Money Spice Pay (Agent App) (Customer & Merchant B2B2C Platform- Enabling App) Financial Services for A PPI wallet-based UPI rural Bharat App – Digitizing Payments in Cash First Markets in B
Slide 5: Digispice Technologies: At a Glance
Digispice Technologies: At a Glance 15.8 lakhs+ 2.5 lakhs+ 2.5 Cr + 1,000+ (Monthly) Spice Money (as of 30th June) Registered Agents (#) Village coverage (#) Customers Served Employees (#) ₹32,760 Cr 18.29% 74 ₹14,098 Cr 27.9% Y-o-Y Market share 7% Y-o-Y 9 Enterprises Y-o-Y 57.3% Y-o-Y Enterprise pa
Slide 6: Q1FY26 Highlights – DiGiSPICE Technologies Accelerating Growth Across Verticals
Q1FY26 Highlights – DiGiSPICE Technologies Accelerating Growth Across Verticals Secured Perpetual PPI License from RBI Driving Scale and Leadership in Core Financial Sales Force App – Driving Productivity & Expanding Product Pipeline with the Upcoming Services Distribution Partner Engagement Launche
Slide 7: Robust Momentum with Margin led growth
Robust Momentum with Margin led growth Particulars (₹ Cr) FY24 FY25 Y-o-Y Q1FY25 Q4FY25 Q1FY26 Q-o-Q Y-o-Y Customer GTV 1,07,818 1,15,787 7% 25,613 31,964 32,760 2% 28% 439.0 448.0 110.0 117.0 124.0 • Revenues: Customer GTV grew Revenue Platform 437.0 447.0 2% 110.0 116.0 123.0 6% 12% 28% YoY, with
Slide 8: Key Business Update- Expanding Reach, Deepening Market Presence
Key Business Update- Expanding Reach, Deepening Market Presence Spice Money Agents Spice Money Agents (‘000) Geographical Presence Across: 2.53 L villages 6,475 Blocks 1,549 1,580 1,506 1,429 1,464 1,392 1,244 1,006 576 Region SMAs (Nos) % of Total North 5,44,561 34.0% East 5,03,707 32.0% Central 2,
Slide 9: Sustained Growth in Transaction Value & Margins
Sustained Growth in Transaction Value & Margins GTV (₹ ‘000 Cr) Gross Margin (₹ Cr) 178 17.4% 17.4% 18.3% 169.3 17.3% 164.5 5.1 17.0% 18.0% 2.4 115.8 K 10.7 107.8K 0.7 2,689 9.7 100.6K 2,500 21.6 2,882 31.9 35.7 23.7 20,968 32,535 49,244 49 49.2 32.7 K 126.6 125.4 41.7 32 K 118.5 0.3 76,751 25.6K 2.
Slide 10: Gross Margin Contribution Mix – Diversifying Product Portfolio
Gross Margin Contribution Mix – Diversifying Product Portfolio Contribution Contribution Nature of Q1 FY 26 GM Product line Strategic Driver to GM to GM Business (in ₹ Cr) Q1 FY 26 Q1 FY 25 AEPS + Micro Key business attracting customer footfall 26.94 54.8% 63.6% ATM Subscription Long term Merchant L
Slide 11: Key Services Update- AEPS
Key Services Update- AEPS AEPS CW GTV- Off-Us Industry & Spice Money (in INR. ‘000 Crs) & Market Transactions Attempted (In ₹ Cr) & Success Ratio AEPS- Cash Deposit & Subscription Packs (In ₹ Cr) Share (%) % 11.52 10.66 3.99 4.52 3.98 20.00% 18.29% 71.3% 328.0 17.96% 315.4 150 ,000 350 .0 40 .0 72 .
Slide 12: Key Services Update- Cash Management Services (CMS)
Key Services Update- Cash Management Services (CMS) CMS GTV(in ₹ Cr) CMS Sector wise GTV Contribution (%) Average GTV per Large SMA* (in ₹ Cr) Q1FY25 Q1FY26 43,162 2.8 Y-o-Y Q-o-Q 13% 0% 8% 2.7 24% 15% 64.8% 0.02% 27,682 46% 2.4 24% 16% 2.0 13,059 13,062 37% 17% 1.9 7,924 Cash Logistics (1) MFI (20)
Slide 13: Key Services Update- Bharat Bill Payment System (BBPS)
Key Services Update- Bharat Bill Payment System (BBPS) BBPS GTV(in ₹ Cr) Total vs Repeat Customers % Average Ticket Size (Rs.) 5,310 2,378 12 0.0 70 .0% 99.0 57.2% 58.8% 4,190 1,126 Y-O-Y Q-O-Q 10 0.0 97.1 54.4% 60 .0% 1.6% 1% 1,030 40.8% 50 .0% 2,231 80 .0 2,194 34.4% 40 .0% 2,093 60 .0 4,184 1,291
Slide 14: Key Services Update- Current Account – Savings Account (CASA) (Lifetime)
Key Services Update- Current Account – Savings Account (CASA) (Lifetime) Total Accounts SMAs opening 5+ Accounts (Nos.) Total Float (in ₹ Crs) 1,140,594 225 1,005,419 1,005,419 71,926 210 68,133 68,133 32,502 29,626 180 27,100 466,129 1,068,668 375,116 937,286 937,286 32,274 153 38,990 22,301 144 42
Slide 15: Key Services Update- Credit Distribution Business
Key Services Update- Credit Distribution Business No. of Secured & Unsecured Loans Disbursed (in ‘000) Value of Secured & Unsecured Loans Disbursed (in ₹ Crs) 70 47.4 11.7 11.0 5.8 102 41.6 83.2 110.3 253 Secured Loan Secured Loan 72.1 20.7 23.1 14.4 Y-o-Y 3.4 Y-o-Y 8.7 41.9 10.7 2.5x 3.2x 69.0 88.8
Slide 16: The Spice Bharat Stack: Driving Digital Led Financial Inclusion– Unfolding The Next Chapter
The Spice Bharat Stack: Driving Digital Led Financial Inclusion– Unfolding The Next Chapter FINANCIAL ATM COLLECTIONS SPICE PAY LENDING SERVICES Bharat’s Largest Assisted Bharat’s Largest Rural Bharat’s Deepest Financial Bharat’s First Assisted Empowering Bharat with ATM Network Cash Collection Netw
Slide 17: Thank You
Thank You For further queries please contact: Sherwin Fernandes Adfactors PR +91 9833456546 Sherwin.fernandes @adfactorspr.com 16