Slide 1: Filing cover letter to BSE and NSE
February 13, 2026 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: CCAVENUE Dear Sir/ Madam, Sub: Investors’ Presentation
Slide 2: Earnings Presentation Q3 FY26
Earnings Presentation 13th February 2026 AvenuesAI A GLOBAL FINTECH COMPANY Q3 FY26
Slide 3: Disclaimer
This presentation contains certain words and statements concerning AvenuesAI 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 India &
Slide 4: Investment Thesis: Why AvenuesAI is Structurally Different
Investment Thesis Why AvenuesAI is Structurally TPV Different? Data 01 Multi-layer regulated payment licenses* Cash 02 Closed loop consumer + merchant ecosystem Flow 03 AI embedded transaction orchestration AI 04 Operating leverage from automation Margin 05 Expanding international footprint * Multip
Slide 5: The Consumer – Business AI Flywheel
AvenuesAI: The Consumer – Business AI Flywheel A Closed-Loop System Where Scale Compounds Advantage Consumer scale Lower CAC Embedded Payments Higher ARPU AI Automation EBITDA Expansion Switching Cost Revenue Predictability 4
Slide 6: Rediff: Low-CAC Consumer Acquisition Engine
Rediff: Low-CAC Consumer Acquisition Engine From a legacy portal to a high-trust consumer surface for payments and commerce A High-Trust Consumer Entry Layer Why this Matters Logged-in Base (Email, content, communities, habitual usage) for AvenuesAI ? Transaction - Adjacent Moments Bills, bookings,
Slide 7: RediffOne: The AI-Native Operating System for Businesses
RediffOne: The AI-Native Operating System for Businesses Where Workflows, Payments, and Intelligence Converge Commerce Communication Compliance Intelligence Core Operating Orders Email GST Dashboards Modules Catalogue Notifications Reconciliation Forecasting ERP (upcoming) CRM (upcoming) Reporting A
Slide 8: CCAvenue: The AI Powered Monetization Engine
CCAvenue: The AI Powered Monetization Engine of AvenuesAI From Payment Gateway to AI-optimized Financial Execution Layer The Economic Engine Payments Become Economic Impact Every consumer interaction → monetizable transaction Contextual Higher net take rates through: Smarter routing Lower fraud Ever
Slide 9: Phronetic: The Intelligence Control Layer
Phronetic: The Intelligence Control Layer of AvenuesAI Operational AI Embedded Across Payments, Workflows, and Decisions Embedded across Approve / Reject Payments the AvenuesAI platform Route / Retry Operations Not a standalone Nudge / Notify Customer Communication Optimises AI product Predict / Pre
Slide 10: How the AvenuesAI Flywheel Compounds
How the AvenuesAI Flywheel Compounds Growth Increases Intelligence. Intelligence increases margin. What AvenuesAI Looks Like at A Typical Merchant on the Platform System – Level Outcome Scale Acquire Customers Business grows → Consumer scale via Rediff processes more via Rediff payments Run Operatio
Slide 11: Financial Performance and Outlook
FINANCIAL PERFORMANCE AND OUTLOOK Structural Inflection Point: From Payment Gateway to AI Native Transaction Infrastructure EARNINGS PRESENTATION
Slide 12: Q3 FY26 At A Glance: Key Strategic Business Developments
Q3 FY26 At A Glance Key Strategic Business Developments Corporate Rebranding to AvenuesAI Limited Completed the corporate rebranding of Infibeam Avenues Limited to AvenuesAI Limited, reflecting the Company’s evolution into a full-stack, AI-driven digital payments and fintech 01 platform. The rebrand
Slide 13: Key Strategic Business Developments (continued)
Q3 FY26 At A Glance Key Strategic Business Developments IFSC Approval for Cross-Border Payments at GIFT City Received in-principle approval from IFSCA to operate as a Payment Service Provider at GIFT-IFSC, enabling regulated cross-border payments and escrow services. This approval 05 opens access to
Slide 14: Key Strategic Business Developments (continued)
Q3 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 09 presence beyond digital payments into industrial automation. AI Accelerator with EDII and Infibe
Slide 15: Q3 FY26 Performance At A Glance
Q3 FY26 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 1.36 tn 6.1 bps Business Performance + 69% YoY - 45% YoY No. of merchants TPV 1 Payments NTR 23,812 981 861 Financial Performance + 122% YoY + 25% YoY + 59% YoY (INR million) Gross Revenue EBITDA 3 PAT 3 INR 1,485 mn 66
Slide 16: Financial Performance Snapshot – Q3 FY26
Financial Performance Snapshot – Q3 FY26 Growth Across All Key Parameters Q3 FY26 v/s. Q3 FY25 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) Q3 FY26 Q3 FY25 YoY (%) Transaction Processing Value (TPV, in
Slide 17: Financial Performance Snapshot – 9M FY26
Financial Performance Snapshot – 9M FY26 Growth Across All Key Parameters 9M FY26 v/s. 9M FY25 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) 9M FY26 9M FY25 YoY (%) Transaction Processing Value (TPV, in
Slide 18: Guidance FY26
Guidance FY26 Well-poised for Future Growth Particulars (INR Million) FY26 Guidance FY26 Revised Guidance Gross Revenue 50,000 – 55,000 75,000 – 80,000 Net Revenue 5,400 – 6,000 6,000 – 6,300 EBITDA 1 3,250 – 3,500 3,500 – 3,750 PAT 1 2,100 – 2,200 2,500 – 2,750 1 excluding any one-time and mark-to-
Slide 19: Company Overview & Industry Outlook
COMPANY OVERVIEW & INDUSTRY OUTLOOK Structural Inflection Point: From Payment Gateway to AI Native Transaction Infrastructure CORPORATE PRESENTATION
Slide 20: About AvenuesAI
About AvenuesAI Click to watch video
Slide 21: Business At a Glance
AvenuesAI 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 (Platforms)
Slide 22: Leading the Industry with Many Firsts (1/2)
AvenuesAI (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-stream
Slide 23: Leading the Industry with Many Firsts (2/2)
AvenuesAI (2/2) 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, Payment In
Slide 24: 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 25: Marquee Clients Across Industries
Few Marquee Clients Marquee Clients Across Industries INDIA GCC 10.0+ million total merchants; strong merchants addition in payment continues 24
Slide 26: Company Overview: Rediff Platform Business
COMPANY OVERVIEW Rediff Platform Business
Slide 27: Rediff Business
Rediff Business Rediff One Platform RediffPay Integrated & Financial Products Rediff Gurus Enterprise Email Cloud Storage Video Conference Messenger Rediff TV Enterprise ERP – CRM - HRMS Commerce UPI based Payments (Upcoming) Coming Soon! 26
Slide 28: Thank You
Thank You PAYMENTS | PLATFORMS Investor Relations Sunil Bhagat Rajat Gupta sunil.bhagat@ia.ooo rajat@goindiaadvisors.com www.avenuesai.com | www.ccavenue.com