Network People Services Technologies Limited · NSE:NPST
Network People Services Technologies — Q3 FY26 Earnings Presentation
31 slides from Network People Services Technologies's earnings presentation, Feb 12, 2026
Slide 1: Exchange filing cover letter for investor presentation
ISIN: INE0FFK01017 Date:12.02.2026 To, The National Stock Exchange of India BSE Limited Limited, Exchange Plaza, NSE Building, Corporate Relationship Department Bandra Kurla Complex, Bandra East, Phiroze Jeejeebhoy Towers, Mumbai-400 0513 Fax: 022-26598237, Dalal Street, Mumbai – 400 001 022-2659823
Slide 2: Business Progress – Q3 FY26
Business Progress – Q3 FY26 Providing digital technology across financial value chain
Slide 3: Agenda
01. NPST- Business Landscape 02. 03. Key Highlights – Q3 FY 26 Agenda 04. Financial Highlights – Q3 FY 26 05. Way Forward
Slide 4: Business Landscape
Business Landscape Market presence, trends, growth opportunities and NPST product fitment
Slide 5: NPST: Driving Innovation in PayTech
NPST: Driving Innovation in PayTech Industry Expertise Comprehensive Empowering Enhanced & Innovation Suite of Solutions Modern Payments Business Value Over a decade of Integrated banking and Modernizing payment Leverage wide experience experience delivering payment products for: infrastructure - dr
Slide 6: Business Verticals
Business Verticals Technology Service Provider Payments Platform-as-a Service RegTech (TSP) (PPaaS) A payment software partner for banks Enables banks and fintech to launch Provides fraud management across the and fintech, enabling a compliant and manage payment services end-to- transaction lifecycl
Slide 7: NPST Tech Presence: Payment Infrastructure Backbone
NPST Tech Presence: Payment Infrastructure Backbone User Merchant ● UPI ● POS ● IMPS ● Mobile Banking Switch Issuing Bank Acquiring Bank Seamless Canara SBM Interoperable Karnataka Bank KGB Cosmos Central Bank of India Safe & Secure Switch Switch Switch Bank Merchant Consumer Banks www.npstx.com | 0
Slide 8: De-Risking: Scaling the TSP Business
De-Risking: Scaling the TSP Business Previous Current TSP TSP Switch System Software UPI Switch IMPS Global Acceptance Super App Payment Software Ecosystem Implementation BBPS Banking Open Connect Banking UPI IMPS UPI 123 Soundbox and QR Super App CBDC Omnichannel On Prem On Prem Hosted 1 Year Busin
Slide 9: Bank in a Box: Single Integration Platform
Bank in a Box: Single Integration Platform NPCI | Regulator | Central Body © 2026 I Network People Services Technologies Ltd I All Rights reserved FRM AI-Based Fraud ODR DPDP EWS Prevention www.npstx.com | 08
Slide 10: De-Risking: Strengthening the PPaaS Business
De-Risking: Strengthening the PPaaS Business Previous Payment Evok Platform Aggregator Business Lever Bank Payin Payment Aggregator MSS Settlement Reconciliation Disputes Digital Onboarding Current Bank 1 Payment Evok Platform Aggregator De-risked Model Business Lever: Bank 2 Payin Payout Autopay SD
Slide 11: Market Trends
Market Trends Emerging Patterns
Slide 12: Market trends shaping our opportunity
Market trends shaping our opportunity Fueled by regulation, macro-economics and technology trends REGULATION ECONOMIC TECHNOLOGY Open Banking Digital Push – Make in India Cloud, Micro-Services API ONDC Smart Cities EmbeddedIntelligenc R e Data Privacy Laws New Business Models-- Subscription economy
Slide 13: Levers of Growth: Beyond Payments
Levers of Growth: Beyond Payments New product offering and target segments Market & Total Annual Product Segments Market Payment Evok 4.0, BBPS, Banks, PAs, TPAPs, Market: $8 B Processing Digital Currency Fintechs NBFCs CAGR: ~22% Payment Devices Qynx QR and Banks, Market: $4 B CAGR: ~12.63% Source:
Slide 14: The Payments Size is Significant
The Payments Size is Significant • IOT Payments • ONDC • UPI International Source : PWC India Payment Handbook 2025-2030 • UPI Auto Top-Up • Contextual Payments • TRED Payments • UPI Credit Card • Credit Line on UPI UPI Transaction volume - 2030 • UPI Circle 576.1 Billion • UPI Prepaid • Inward Cros
Slide 15: Digital Payments
Digital Payments UPI Transaction Volume (Bn) Digital Payments Transaction P2M P2P Volume (Bn) 617.3 163.9 518.8 Source: RBI; NPCI; PwC analysis 140.1 424 118.8 338.5 100.6 263.4 412.2 206.1 83.9 150.1 69.9 343.5 274.8 53.8 211.4 116 156.6 77.4 FY24 FY25 FY26E FY27E FY28E FY29E FY30E FY24 FY25 FY26E
Slide 16: Payment Devices
Payment Devices Total payment acceptance devices deployed (Mn) QR and Soundbox devices (Mn) 1400 1297 40 QR Soundbox 1200 1159 37 1034 33 1000 923 Source: RBI; NPCI; PwC analysis 30 803 26 800 699 23 600 1235 1103 984 400 379 20 879 764 665 200 350 0 FY24 FY25 FY26E FY27E FY28E FY29E FY30E FY24 FY25
Slide 17: Online Payments
Online Payments Revenue from online payments (INR Mn) Online payment transactions value (INR Tn) 859 86 Source: RBI; NPCI; PwC analysis 700 70 571 57 469 47 387 39 314 31 255 26 FY24 FY25 FY26E FY27E FY28E FY29E FY30E FY24 FY25 FY26E FY27E FY28E FY29E FY30E NPST Key 2030 Target for Product Stack the
Slide 18: RegTech
RegTech Value of Fraud Cases (INR Cr) RegTech Market Size (INR Cr) 2023 vs 2025 36000 2025 vs 2030 | CAGR ~ 31.95% 15800 Source: RBI, BlueWeave Consulting, 18000 ~ 4x Growth 2x Growth 4000 2023 2025 2025 2030 RegTech market is projected to grow by ~200% over the next four NPST Key 2030 Target for
Slide 19: Key Highlights – Q3 FY26
Key Highlights – Q3 FY26 Efforts for Incremental Business
Slide 20: Progress and Expanding Order Book - TSP
Progress and Expanding Order Book - TSP Launched QR-based acquiring in Secured a merchant acquiring and partnership with a Sponsor Bank UPI switch mandate from a large for the Cooperatives Bank cooperative bank segment; Won the first order in this model Qualified as the lowest bidder to Won a Hardwa
Slide 21: Progress and Expanding Order Book – Payments Platform-as-a-Service
Progress and Expanding Order Book – Payments Platform-as-a-Service Signed two Private Banks Onboarded a Lending and one Cooperative Bank Platform to co-sell PPaaS for PPaaS Services services for NBFC segment Onboarded one NBFC for Incremental Order Volume pay-in services 60% QR and Soundboxes in a q
Slide 22: New Launch: Rupay Linked Identity Cards
New Launch: Rupay Linked Identity Cards (Evok 4.0 Offering – PPI for Fintech/Partners) Integrating Identity with Digital Payments (In Partnership with Infinity Infoway Ltd) Use Case: Education Sector Use Case: Transport & Logistics Student Pay: Drivers Pay: Fee Payments – Tuition, examination, and
Slide 23: Cooperative Forum Recognition for 'Bank in Box'
Cooperative Forum Recognition for ‘Bank in Box’ Promising PayTech Company of the Year By Top 100 CXO Awards & Ingenious Leadership Summit, amidst 60+ cooperative banks and 150+ bankers. Why this matters • Recognition from a forum focused on cooperative banks • Proof of market fit for NPST’s Bank in
Slide 24: Financial Highlights – Q3 FY26
Financial Highlights – Q3 FY26 Providing digital technology across financial value chain
Slide 25: Q3 FY26 Consolidated Key Financial Highlights
Q3 FY26 Consolidated Key Financial Highlights Key Financial Highlights (in cr) Net Profit 57.17 EBITDA Total Income 48.67 35.09 28.11 23.25 18.74 15.64 10.51 11.30 11.54 8.59 9.84 6.01 7.19 5.13 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 Q3 FY26 All Figures In ₹ Cr & Margin in % www.npstx.com | 24
Slide 26: Q3 FY26 Consolidated Key Financial Highlights
Q3 FY26 Consolidated Key Financial Highlights All Figures In ₹ Cr & Margin in % Particulars Q3 FY26 Q2 FY26 QoQ Growth Q3 FY25 YoY Growth Total Income 57.17 48.67 17.46% 23.25 145.93% EBITDA 18.74 15.64 19.82% 8.59 118.30% EBITDA (%) 32.78% 32.13% 36.93% Net Profit 11.54 9.84 17.28% 5.13 124.83% Net
Slide 27: Analysis for FY 26 Q3 Results
Analysis for FY 26 Q3 Results Revenue Scaling with Sustained Momentum In Q3 FY26, total Income rose to ₹57.17 Cr, reflecting 17.46% QoQ growth from ₹48.67 Cr and a strong 145.93% YoY increase from ₹23.25 Cr, demonstrating sustained demand and execution strength. Strong Operating Performance at Scale
Slide 28: Q3 FY26 Consolidated Results Highlights
Q3 FY26 Consolidated Results Highlights All Figures In ₹ Cr & Margin in % Particulars Q3 FY26 Q2 FY26 Q3 FY25 Y-O-Y Revenues 52.62 46.68 21.24 Other Income 4.55 2.00 2.00 Total Income 57.17 48.67 23.25 145.93% Project expenses 22.32 19.35 3.37 Employee costs 11.01 10.56 9.15 Other expenses 5.10 3.13
Slide 29: Way Forward
Way Forward Providing digital technology across financial value chain
Slide 30: Focus for H2 FY26
Focus for H2 FY26 Strong Marketing and Scaling Focus Target penetration in PSU and Govt accounts for transaction-based opportunity • Increase revenue streams in PPaaS • Added PPI under Evok 4.0 • Add and execute new accounts in TSP Cater to increased enquiries beyond Africa for • Added four new acco
Slide 31: Thank You!
Thank You!
Network People Services Technologies — Q3 FY26 Earnings Presentation on 6ix