Investor Presentation

Investor Presentation - Q2FY27 - Total Income ₹3,028 Mn +8% YoY, Revenue from Operations ₹2,957 Mn - EBITDA ₹227 Mn, margin 7.5% (+977 bps YoY, +204 bps QoQ) - PAT ₹118 Mn, margin 3.9%, fourth consecutive profitable quarter - GMV up 35% YoY led by Merchant Payments (+76%) with improved margins - Financial Services revenue up 42% YoY; lending disbursals +34% YoY - AI integration across engineering, lending, customer experience, and risk management - Payments business net margin steady at 13 bps; potential upside from proposed UPI MDR - Consumer payments steady with 27% GMV growth; merchant payments growing rapidly - Lending portfolio quality improved; net financial services margin at 5.27% - Fixed costs up 18% YoY supporting scale-up; finance cost expected to reduce in coming quarters