As per enclosed file

AI summary - FY26 revenue grew 19%, adjusted EBITDA Rs.559 Cr with 500 bps margin improvement - FY27 revenue guidance at 21-23.5% growth; EBITDA expected to improve significantly - Operating cash flow Rs.676 Cr in Q4; full year Rs.395 Cr, expected to improve in FY27 - Digital infra business has 2 million touch points; online business grew 60% y-y - Affordability business expanding with more NBFC partners; new employee benefits program launching - International markets growing with dollar revenues; stable coin prepaid card platform launching - AI used for 89% of new code, improving efficiency and product innovation - Competition pulling back in some segments; OMC deployment ongoing with multiple revenue streams - Contribution margin stable around 74-75%, minor 2-3% variance expected due to new business mix - Bill discounting program improving working capital cycle; affordability take rates remain strong