Avenuesai Ltd · NSE:CCAVENUE
Avenuesai — Infibeam Avenues — Q2 FY26 Earnings Presentation
34 slides from Avenuesai's earnings presentation, Nov 13, 2025
Slide 1: Exchange filing cover letter
November 13, 2025 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai - 400 001 Bandra (East), Mumbai - 400 051 Company Code No.: 539807 Company Symbol: INFIBEAM Dear Sir/ Madam, Sub: Investors’ Presentation
Slide 2: Earnings Presentation Q2 FY26
Earnings Presentation 13th November 2025 A Global FinTech Company INFIBEAM AVENUES A GLOBAL FINTECH COMPANY Q2 FY26
Slide 3: Disclaimer
This presentation contains certain words and statements concerning Infibeam Avenues Limited (“the Company”) and its prospects, and other statements relating to the Company’s expected financial position, business strategy, the future development of the Company’s operations and the general economy in
Slide 4: Financial Performance and Outlook
FINANCIAL PERFORMANCE AND OUTLOOK Pioneering a New Era : India’s First Listed Fintech Company EARNINGS PRESENTATION
Slide 5: Key Strategic Business Developments
Q2 FY26 At A Glance Key Strategic Business Developments Infibeam completed the transfer of its Platform Business Undertaking to Rediff.com India Ltd., increasing its stake in Rediff to 82.66%. This restructuring sharpens business focus positioning Infibeam as a fintech 01 and AI infrastructure compa
Slide 6: Key Strategic Business Developments
Q2 FY26 At A Glance Key Strategic Business Developments Strategic MoU with Nawgati Tech – Partnered to deploy Video-LLMs and agentic AI in the fuel, fleet, and energy sectors, expanding Phronetic AI’s 05 presence beyond digital payments into industrial automation. AI Accelerator with EDII and Infibe
Slide 7: Q2 FY26 Performance At A Glance
Q2 FY26 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 1.17 tn 8.2 bps Business Performance + 33% YoY - 27% YoY No. of merchants TPV 1 Payments NTR 19,649 937 649 Financial Performance + 93% YoY + 10% YoY + 18% YoY (INR million) Gross Revenue EBITDA 3 PAT 3 INR 1,531 mn 61%
Slide 8: Financial Performance Snapshot – Q2 FY26
Financial Performance Snapshot – Q2 FY26 Growth Across All Key Parameters Q2 FY26 v/s. Q2 FY25 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) Q2 FY26 Q2 FY25 YoY (%) Transaction Processing Value (TPV, in
Slide 9: Financial Performance Snapshot – H1 FY26
Financial Performance Snapshot – H1 FY26 Growth Across All Key Parameters H1 FY26 v/s. H1 FY25 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) H1 FY26 H1 FY25 YoY (%) Transaction Processing Value (TPV, in
Slide 10: CCAvenue Payments Business on a Strong Footing
CCAvenue (India + Intl.) Payments Business Payment Business on a Strong Footing CCAvenue Payments TPV (India + Intl.) (INR billion) CCAvenue • ~ 2,000+ Avg. daily merchant addition in Q2 FY26 India 2,732 2,160 CCAvenue • >AED 12 billion, FY26 annualized - TPV run-rate 1,669 International • Among the
Slide 11: Company's Revenue Model
Company’s Revenue Model Growth Focused Revenue Model (Mix of Transaction-Based And Annuity) Total Transaction Processing Value (INR trillion) * Net Take Rate-NTR (Net earnings per transaction in bps) Payments TPV + Platform TPV Payments business Annual Quarterly 1.4 2.9 4.4 7.0 8.6 4.2 5.4 11.7 4.0
Slide 12: Guidance FY26
Guidance FY26 Well-poised for Future Growth Particulars (INR Million) FY26 Guidance Growth % Y-o-Y Gross Revenue 50,000 – 55,000 25% - 38% Net Revenue 5,400 – 6,000 3% - 14% EBITDA 1 3,250 – 3,500 4% - 12% PAT 1 2,100 – 2,200 0% - 5% 1 excluding any one-time and mark-to-market gain/loss 11
Slide 13: Company Overview & Industry Outlook
COMPANY OVERVIEW & INDUSTRY OUTLOOK Pioneering a New Era : India’s First Listed Fintech Company CORPORATE PRESENTATION
Slide 14: About Infibeam Avenues
About Infibeam Avenues Click to watch video
Slide 15: Business At a Glance
Infibeam Avenues Business At a Glance 01 India’s First listed fintech company (listed in 2016) with a consistent PROFITABLE track record. A Payment Infrastructure company; Offering omni-channel and full-stack B2B Digital Payments solutions (Payments), enterprise eCommerce 02 Software Platforms (Plat
Slide 16: Leading the Industry with Many Firsts
Infibeam Avenues (1/2) Leading the Industry with Many Firsts In 2007, became In 2018, first Indian PA to launched B2B achieve PCI-DSS payments for compliance and In 2014, was the corporates In 2010, launched first to offer Social the first to become offering Vendor India’s first ecommerce Network In
Slide 17: Leading the Industry with Many Firsts
Infibeam Avenues (1/2) Leading the Industry with Many Firsts In 2022, launched among the world’s In 2023, received In 2025, CCAvenue In 2025, CCAvenue most advanced RBI’s Final Partners with Sutex bags the 'Best omni-channel Authorisation for Cooperative Bank for Innovative Mobile payments app, Paym
Slide 18: Strategic And Competitive Advantages
Infibeam Avenues Limited A Powerful Combination of Payment Infrastructure and Ecommerce Software Platforms Strategic And Competitive Advantages Invested across entire payments Payment Aggregator license 3 + BBPOU (bill ecosystem Omnichannel 2 offerings payment) license 4 (Acquiring + Issuance + Netw
Slide 19: Company's Long-Term Plans to Create Superior Shareholder Value
Building A Long-term Scalable And Sustainable Business Company’s Long-Term Plans to Create Superior Shareholder Value • Focus on profitable revenue growth Building a sustainable • Processing profitable transactions 01 business model • Increasing net take rate through cross-sell and up-sell • Buildin
Slide 20: Company Overview: Payments Business
COMPANY OVERVIEW Payments Business First Listed Fintech in India
Slide 21: Bank Centric Business Model
Bank Centric Business Model (Building Payments Infrastructure) De-risked and Sustainable Business Model Leveraging fintech expertise for global expansion 20
Slide 22: CCAvenue All in One POS Device
CCAvenue All in One POS Device A Complete All-Encompassing POS Device That Lets a Merchant Accept All Type of Payment Modes Through One Device • Tap and Pay NFC Card Transactions with PIN on pin pad for above INR 5000 • EMV Dip Card Transactions • Static UPI Transaction • Dynamic UPI Transactions •
Slide 23: CCAvenue Omnichannel Payment Solution
CCAvenue Omnichannel Payment Solution Among the Worlds Most Advanced, Featuring India’s First Pin-On-Glass SoftPoS Solution Payments on-the-go; anytime anywhere No/Low Cost Android-based mobile app Aligned with RBI’s Payment Vision 2025 to increase payment acceptance through low-cost solutions Globa
Slide 24: BillAvenue (Bill Payments through BBPS)
BillAvenue (Bill Payments thru Bharat BillPay System / BBPS) Bill Payments Platform to Cater to the Large Untapped Utility and Recurring Payments Segment Across India BillAvenue Business Performance Built on the BBPS1 infrastructure, BillAvenue is a unified, interoperable, 01 online payments platfor
Slide 25: Go Payments (Majority Owned Subsidiary)
Go Payments (Majority Owned Subsidiary) Empowering Unbanked to Access Digital Financial Services ‘Instant Global Paytech Pvt. Ltd.’, operating through the brand ‘Go 01 Payments’ to provide assisted commerce services. MONEY TRANSFER RECHARGE TRAVEL INSURANCE 02 Launched payment issuance infrastructur
Slide 26: The Digital Ecosystem Is Expanding
The Digital Ecosystem Is Expanding … … and the Total Addressable Market Continues to Grow New Flows Will Lead To Increasing TAM 01 Cash PCE continues to grow 02 Fintech / Wallet expansion P2M Digital Payments in 03 New platforms to reach billions of unbanked India to reach US$ 3 trillion 04 eCommerc
Slide 27: International Expansion Plans For Becoming A Global Fintech Player
International Expansion Plans For Becoming A Global Fintech Player Targeting 12-15% international contribution to Payment’s Net Revenue by FY28 04 Other 03 Geographies South 02 East Asia 01 USA UAE and Oman operational. Saudi expected to be fully operational Australia & USA: To be operational GCC by
Slide 28: Marquee Clients Across Industries
Few Marquee Clients Marquee Clients Across Industries INDIA GCC 10.0+ million total merchants; strong merchants addition in payment continues 27
Slide 29: Company Overview: Rediff Platform Business
COMPANY OVERVIEW Rediff Platform Business
Slide 30: Rediff.com receives 120 Million Unique Visitors Annually
Rediff.com receives 120 Million Unique Visitors Annually (internal logs) 29
Slide 31: Rediff Business
Rediff Business Rediff One Platform RediffPay Integrated & Financial Products Rediff Gurus Enterprise Email Cloud Storage Video Messenger Conference Rediff TV Enterprise ERP – CRM - HRMS Commerce UPI based Payments (Coming Soon) Coming Soon! 30
Slide 32: Annexure
ANNEXURE Pioneering a New Era : India’s First Listed Fintech Company
Slide 33: Building a Scalable Business Model
Revenue and Cost Drivers Building a Scalable Business Model Payment Gateway Bill Payments eComm. platform • CCAvenue (India + Intl.) • CCAvenue TAPPay (SoftPoS) Businesses • ResAvenue BillAvenue Marketplace for Enterprise • B2Biz • CPGS (Payment Infra for banks) • Transaction based License fee Trans
Slide 34: Thank You
A Global FinTech Company Thank You PAYMENTS | PLATFORMS Investor Relations Sunil Bhagat Rajat Gupta sunil.bhagat@ia.ooo rajat@goindiaadvisors.com www.ia.ooo | www.ccavenue.com