Slide 1: Exchange filing letter for investors presentation
Date: 30th May, 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 the p
Slide 2: DiGiSPICE Technologies Limited FY'25 Investor Presentation
DIGISPICE TECHNOLOGIES LIMITED FY’25 Investor Presentation 1
Slide 3: Table of Contents
1 The Spice Bharat Stack 2 Key Business Update Movement in GM Contribution Mix Table of Contents 3 4 Key Services Update 5 Financial Highlights 2
Slide 4: The Spice Bharat Stack: Agent-Led Distribution, Customer-Led Transactions, Credit-Led Growth
The Spice Bharat Stack: Agent-Led Distribution, Customer-Led Transactions, Credit-Led Growth Spice Money Spice Pay (Agent App) (Customer App) B2B2C Platform- Enabling A PPI wallet-based UPI App Financial Services for – Digitizing Payments in rural Bharat Cash First Markets in Bharat Lending Business
Slide 5: The Spice Bharat Stack: Driving Digital Led Financial Inclusion
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 6: Key Business Update- Growing Agent Network
Key Business Update- Growing Agent Network Spice Money Agents (‘000) Spice Money Agents Geographical Presence Across: 2.51 L villages 1800 6,475 Blocks 1600 1549 1392 1400 1244 1200 1006 1000 800 576 600 400 241 200 0 FY20 FY21 FY22 FY23 FY24 FY25 Strong presence Growing opportunity 5
Slide 7: Key Business Update- Growing Gross Transaction Value
Key Business Update- Growing Gross Transaction Value 120,000 115.8 K CICO Collections Others 107.8K 2,689 Despite the decline in the Off-Us AePS AEPS Off Us Market Share % 100.6K 2,500 industry, our AePS GTVs have shown 100,000 2,882 consistent Q-o-Q and Y-o-Y growth, 17.27% 17.20% 17.35% driving a
Slide 8: Key Business Update- Growing Gross Margin
Key Business Update- Growing Gross Margin 178 175 CICO Collections Others 164.5 169.3 Driven by the growth in AePS GTVs and 15.8 12.1 the introduction of subscription packs, 155 22.3 we've significantly enhanced our CICO 31.9 35.7 gross margin, while sustained expansion 135 126.6 in collections GM h
Slide 9: Movement in Gross Margin Contribution Mix
Movement in Gross Margin Contribution Mix FY25 Q4 FY25 Contribution Contribution Nature of Product line Strategic Driver Gross Margin Gross Margin to GM to GM Business (in INR Crs) (in INR Crs) Q4 FY 25 Q4 FY 24 AEPS + Micro Key business attracting customer footfall 103.30 25.87 52.7% 59.6% ATM Subs
Slide 10: Key Services Update- Aadhaar Enabled Payment System (AEPS)
Key Services Update- Aadhaar Enabled Payment System (AEPS) Q-o-Q Y-o-Y FY25 vs AEPS- Cash Withdrawal Industry Metrics Q4 FY25 Q3 FY25 Q4 FY24 FY25 FY24 Change % Change % FY24 • Despite a 7.3% Y-o-Y growth in the Off-Us Industry GTV (Off- Us)(In INR Crs.) 76,411 77,656 71,198 2,96,622 3,14,003 -1.6%
Slide 11: Key Services Update- Cash Management Services (CMS)
Key Services Update- Cash Management Services (CMS) CMS GTV (in INR. Crs) ▪ No. of Large CMS SMAs who have >30 Lacs GTV/Quarter has increased by more than 40% 50000 Y-o-Y. The business contributed by them has also 45000 43,162 Increased by 85% Y-o-Y. 40000 35000 ▪ Large CMS SMAs contribute to over 9
Slide 12: Key Services Update- Bharat Bill Payment Services (BBPS)
Key Services Update- Bharat Bill Payment Services (BBPS) Bill Payment GTV (in INR Crs) ▪ Loan Repayment- EMI main driver for BBPS Growth. ▪ BBPS collection centres are deeper in rural areas & 6000 5,310 smaller in size as compared to CMS. Hence, gradual shift 5000 1,126 of CMS customers towards BBPS
Slide 13: Key Services Update- CASA (Lifetime)
Key Services Update- CASA (Lifetime) Total Saving Accounts Total Current Accounts Total Float (in INR Crs) SMAs opened 5+ accounts 2.8x 1.8x 937,286 68,133 1.5x 62,511 185.32* 1.9x 29,626 779,003 20% 9% 27,100 9% 15,927 336,126 129.5 38,990 124 Q4FY24 Q3FY25 Q4FY25 Q4FY24 Q3FY25 Q4FY25 Q4FY24 Q3FY25
Slide 14: Key Services Update- Credit Distribution
Key Services Update- Credit Distribution No. of Secured & Unsecured Loans (‘000) Value of Secured & Unsecured Loans (in INR Crs) Secured Loans Unsecured Loans Secured Loans Unsecured Loans 70 260.0 253 240.0 220.0 57.8 47.3 200.0 180.0 160.0 69.0 140.0 39.1 120.0 2.8x 102 83.3 100.0 195.1 16 80.0 58
Slide 15: Consolidated – Financial Highlights
Consolidated – Financial Highlights Year ended Year ended Growth Growth Growth • The Overall Business (Continued + Discontinued) Particulars (Rs. Crs) Q4FY24 Q3FY25 Q4FY25 FY24 FY25 Q-o-Q Y-o-Y FY25 Vs.24 has reached breakeven, marking a turnaround 1.Customer GTV 107,818 115,787 25,801 31,951 31,964
Slide 16: Thank You
Thank You For further queries please contact: Amit Kumar Sharma Adfactors PR +91 98677 26686 amit.sharma@adfactorspr.com 15