Avenuesai Ltd · NSE:CCAVENUE
Avenuesai — Q4 FY26 Earnings Presentation
28 slides from Avenuesai's earnings presentation, May 29, 2026
Slide 1: Exchange filing cover letter for investors' presentation
May 29, 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 on A
Slide 2: Earnings Presentation Q4 FY26
Earnings Presentation 29th May 2026 AvenuesAI A GLOBAL FINTECH COMPANY Q4 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: Exceeding Outlined Guidance – FY26
Exceeding Outlined Guidance – FY26 Well-poised for Future Growth Particulars (INR Million) FY26 Guidance FY26 Actual Gross Revenue 75,000 – 80,000 81,158 Net Revenue 6,000 – 6,300 6,031 EBITDA 1 3,500 – 3,750 3,873 PAT 1 2,500 – 2,750 3,320 1 excluding any one-time and mark-to-market gain/loss 11
Slide 13: FY26 At A Glance: Key Strategic Business Developments
FY26 At A Glance Key Strategic Business Developments Corporate Rebranding to AvenuesAI Limited 01 Completed the corporate rebranding of Infibeam Avenues Limited to AvenuesAI Limited, reflecting the Company’s evolution into a full-stack, AI-driven transaction infrastructure and digital payments platf
Slide 14: FY26 At A Glance: Key Strategic Business Developments
FY26 At A Glance Key Strategic Business Developments Launch of PayCentral.ai – India’s First Agentic Payments Platform 05 Phronetic AI launched PayCentral.ai, India’s first Agentic Payment Platform built on Google’s AP2 framework, enabling secure and autonomous AI-agent-led payment transactions. The
Slide 15: FY26 At A Glance: Key Strategic Business Developments
FY26 At A Glance Key Strategic Business Developments RediffPay Launches India’s First Financial Wellness-Focused UPI Platform 09 RediffPay commenced CUG testing after securing NPCI TPAP approval, paving the way for launch of a financial wellness-focused UPI ecosystem integrating payments, savings, i
Slide 16: Q4 FY26 Performance At A Glance
Q4 FY26 Performance At A Glance Profitable Growth and Healthy Returns 10+ mn INR 1.66 tn 6 bps Business Performance + 101% YoY - 43% YoY No. of merchants TPV 1 Payments NTR 24,895 994 955 Financial Performance + 115% YoY + 28% YoY + 90% YoY (INR million) Gross Revenue EBITDA 3 PAT 3 INR 1,495 mn 66%
Slide 17: Financial Performance Snapshot – Q4 FY26
Financial Performance Snapshot – Q4 FY26 Growth Across All Key Parameters Q4 FY26 v/s. Q4 FY25 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) Q4 FY26 Q4 FY25 YoY (%) Transaction Processing Value (TPV, in
Slide 18: Financial Performance Snapshot – FY26
Financial Performance Snapshot – FY26 Growth Across All Key Parameters FY26 v/s. FY25 Consolidated (Standalone + International Payments + Go Payments + Majority owned subsidiaries + Other associates) Particulars (in INR million) FY26 FY25 YoY (%) Transaction Processing Value (TPV, in INR billion) 1
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