Slide 1: Building a Trusted Financial Services Platform for Bharat
Building a Trusted Financial Services Platform for Bharat www.spicemoney.com complianceofficer@digispice.com +01141251965 1
Slide 2: Our Mission- To use Technology to Transform how Bharat Banks
Our Mission- To use Technology to Transform how Bharat Banks Spice Money Spice Pay (Agent App) (Customer & Merchant App) B2B2C Platform- Enabling A PPI wallet-based UPI App Financial Services for rural Digitizing Payments in Cash Bharat First Markets in Bharat Spice Bharat Stack Lending Business (Me
Slide 3: Accelerating Growth of Financial Services across Bharat
Accelerating Growth of Financial Services across Bharat Licenses we Hold Our Goals Prepaid Instrument (PPI) license 1. Scale a digitally enabled Agent network that can serve consumers and enterprises in deep rural Bharat Bill Payment System license and semi-urban India 2. Be the preferred platform f
Slide 4: Our Partnerships
Our Partnerships Banking Business Partners Collection Business Partners Banks MFIs NBFCs Logistics & E-commerce Credit Business Partners Insurance Business Partners 4
Slide 5: Business Landscape
Business Landscape Payments Banking • Retail Payments: Furthering financial inclusion in India, reached ₹9,19 • PMJDY Accounts: 56.55 crore accounts opened with total deposits Lakh crore in FY25, growing at 22% CAGR. of ₹2.68 Lakh crore; average balance ~₹4,749 per account. • AePS (Off-us): ₹2.97 La
Slide 6: Digispice Technologies: At a Glance
Digispice Technologies: At a Glance 15.5 lakhs+ 2.5 lakhs+ 2.5 Cr + 1,000+ (Monthly) Key Metrics (FY25) Registered Agents (#) Village coverage (#) Customers Served Employees (#) ₹115,787 Cr 74 ₹43,162 Cr 17.27% 7% Y-o-Y 9 Enterprises Y-o-Y 56% Y-o-Y Customer GTV Market leader in Off-Us AEPS Enterpri
Slide 7: Our Key Operating Metrics
Our Key Operating Metrics Spice Money Agents (‘000) Agent Growth CAGR 45% Y-o-Y 11% 1,549 1,392 1,244 1,006 576 241 FY20 FY21 FY22 FY23 FY24 FY25 Gross Transaction Value (INR. ‘000 Cr) Spice Money Revenue Breakup (INR. Cr) Y-o-Y Customer GTV CAGR 39% Service Fee Revenue CAGR 34% 2% 21 22 12 17 61 56
Slide 8: Our Key Services Update
Our Key Services Update Cash Withdrawal GTV & AEPS Market Share Remittances GTV (INR. Cr) CAGR 29% 17.4% 17.3% ATM & REMITTANCES 80 17.1% 16.4% 70 6,330 13 13 5,977 60 13.7% 9 5,374 13 15.0% 0.3 4,670 50 11.8% 0.9 4,634 40 9 2,921 30 57 54 51 10.0% 20 49 3 31 10 14 - 5.0% FY20 FY21 FY22 FY23 FY24 FY
Slide 9: Our Emerging Services Update
Our Emerging Services Update Banking Credit Distribution Total Accounts (Lifetime) Agents opening 5+ Accounts No. of Secured & Unsecured Loans (‘000) Value of Secured & Unsecured Loans (INR Cr) Secured Loan Secured Loan Y-o-Y Y-o-Y 70 8.3x 14.4x 253 250 68,133 29,626 57.8 7.3x 4.2x 47.3 200 150 69.0
Slide 10: Consolidated Financials
Consolidated Financials Particulars (₹ Cr) FY23 FY24 FY25 KEY HIGHLIGHTS Customer GTV 100,602 1,07,818 1,15,787 Revenue 431.5 439.0 448.0 Platform 428.4 437.0 447.0 The Overall Business (Continued + New Engines* 3.1 2.5 2.0 Discontinued) has reached breakeven, Gross Margin 164.8 169.3 178.0 marking
Slide 11: Driving Digital Led Financial Inclusion– Unfolding The Next Chapter
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 Network Distribution Grid PP