Slide 1: Exchange filing letter for investor presentation
Date: May 17, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400 001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400 051 Scrip Code: DIGISPICE Sub.: Investors presentation on the per
Slide 2: Investor Presentation Q4 FY'26
Investor Presentation Q4 FY’26 18th May, 2026 1
Slide 3: Table of Contents
Table of Contents The Spice Bharat Stack 1 Road Ahead 2 Key Highlights 3 Digispice Technologies: At a Glance 4 Financial Highlights 5 Key Business Update 6 Key Services Update 7 Licenses and Partnerships 8 2
Slide 4: The Spice Bharat Stack: Agent-Led Distribution, Customer & Merchant-Led Transactions, Credit-Led Growth
The Spice Bharat Stack: Agent-Led Distribution, Customer & Merchant-Led Transactions, Credit-Led Growth Spice Money Spice Pay (Agent App) (Customer & Merchant App) B2B2C Platform- Enabling Financial A PPI wallet-based UPI Account Services for Bharat Digitizing Payments in Cash First Markets in Bhara
Slide 5: The Spice Bharat Stack: Driving Digital Led Financial Inclusion
The Spice Bharat Stack: 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 Netw
Slide 6: Key Highlights
Key Highlights ➢ Strong Financial Performance with full-year FY’26 results delivering a PAT from Continuing Business of ₹25.4 Crs in FY’26 compared to ₹6.5 Crs in FY’25. ➢ Overall PAT stood at ₹19.3 Cr in FY’26 compared to ₹0.2 Cr* in FY’25. ➢ Merger Update: Merger application was presented before t
Slide 7: Digispice Technologies: FY'26 At a Glance
Digispice Technologies: FY’26 At a Glance 16.6 lakhs+ 2.57 lakh+ 2.75 Cr + 1,000+ Spice Money (Monthly) (as of 31st March) Registered Agents (#) Small Town coverage (#) Customers Served Employees (#) ₹59,405 Cr 18.41% 85 ₹46,080 Cr 15.9% ▲ Y-o-Y Market share 6.6% ▲ Y-o-Y 11 Enterprises ▲ Y-o-Y 9.4%
Slide 8: Financial Highlights: Robust Momentum with Margin led growth
Financial Highlights: Robust Momentum with Margin led growth Growth Year ended Growth Particulars (Rs. Crs) Q4FY25 Q3FY26 Q4FY26 Q-o-Q Y-o-Y FY25 FY26 Y-o-Y • Revenue grew by 4% in FY’26 vs FY’25, 1.Customer GTV 32,036 31,164 31,444 1% -2% 1,15,787 1,27,895 10.5% primarily driven by higher GTV. The
Slide 9: Key Business Update- Expanding Reach, Deepening Market Presence
Key Business Update- Expanding Reach, Deepening Market Presence Spice Money Agents Geographical Presence Across Spice Money Agents (‘000) 2.57 L Small Towns 6,454 Blocks 13.2 lakh SMAs in Tier 4,5,6 Small Towns (Population <20K / Small Town) 1,661 1,549 1,392 1,244 1,006 Region SMAs (Nos) % of Total
Slide 10: Key Business Update- Sustained Growth in Transaction Value & Margins
Key Business Update- Sustained Growth in Transaction Value & Margins GTV (in ₹ ‘000 Cr) Gross Margin (in ₹ Cr) 10.5% 127.9 K 21.00% 115.8 K 4,462 13% 201.2 2,689 19.00% 18.64% 178 22.2 18.41% 18.21% 17.96% 15.7 17.00% 17.27% 39.5 52,699 35.7 49,244 15.00% 32.0K 31.2 K 31.4 K 13.00% 49 51.4 48.6 139.
Slide 11: Key Services Update- AEPS Business
Key Services Update- AEPS Business AEPS CW GTV- Off-Us Industry & Spice Money (in INR. ‘000 Crs) & Market Transactions Attempted (In ₹ Cr) & Success Ratio % AEPS-Cash Deposit GTV (in ₹ Crs) Share (%) 10.66 11.31 4.52 4.36 4.10 461.8 18.64% 20.00% 18.41% 18.21% 399.8 17.96% 35 .0 32.7 73 .0% 374.1 17
Slide 12: Key Services Update- Collections Business
Key Services Update- Collections Business Collections GTV (in ₹ Cr) Collections- Client Funnel (# Nos.) 52,051 48,472 Q4FY25 Q4FY26 7.4% 1,240 Q-o-Q Y-o-Y 273 1% 1,126 4.1% ↑ -12.3% ↓ 4,458 28% 4,184 29% 14,359 12,096 12,598 43,162 46,080 72% 70% 343 277 266 103 134 1,033 1,118 1,207 13,059 10,533 1
Slide 13: Key Services Update- Financial Product Distribution Business
Key Services Update- Financial Product Distribution Business Total Accounts(CA/SA) Total Float (in ₹ Crs) Growth Metrics Q-o-Q Y-o-Y 305 0.5 5 • Live with over 60,000+ Adhikaris. 10% ↑ 1.6x ↑ 30 0 260 245 • Consistently growing opening of Current & Savings 0.5 0 1,651,977 1,651,977 225 0.51 1,506,06
Slide 14: Key Services Update- Credit Business
Key Services Update- Credit Business Volume of Embedded Finance/Adhikari Loans Disbursed (# Nos.) Value of Embedded Finance/ Adhikari Loans Disbursed (in ₹ Crs) 12,228 14,000 12,000 153 80.0 66.7 70.0 10,000 1.5 2.7x 60.0 8,000 50.0 3.3x Q-o-Q Q-o-Q 6,000 4,542 12,075 3,452 3,690 40.0 19.2 19.9 7% ↑
Slide 15: Licenses we Hold and Our Partnerships
Licenses we Hold and Our Partnerships Licenses we Hold Prepaid Instrument (PPI) license Bharat Bill Payment System license IRCTC Principal Agency license IRDAI Corporate Agency license AUA/KUA license Banking Business Partners Credit Business Partners Collection Business Partners Banks NBFCs Logisti
Slide 16: Thank You
Thank You For further queries please contact: Hashika Mutreja Aastha Garg Adfactors PR Associate Vice President, Spice Money Limited +91 9167753859 +91 9953327021 hashika.mutreja@ aastha.garg@spicemoney.com @adfactorspr.com 15