DiGiSPICE Technologies Limited — PPTs, 13-08-2025: Investor Presentation

**1. Financial Highlights:**

DiGiSPICE's Q1 FY26 was strong: Revenue +13% YoY to ₹123.8 Cr, Gross Margin +18% to ₹49.2 Cr, and EBIT +52% to ₹10.2 Cr. PAT hit ₹6.9 Cr, a clear turnaround. Customer GTV grew 28% YoY to ₹32,760 Cr.

**2. Strategic Initiatives & Growth Drivers:**

Expanding its "Spice Bharat Stack," DiGiSPICE is launching new services: insurance, investments, and kiosk banking. A Sales Force App boosts productivity. Growth is driven by API integrations for digital collections and scaling CASA & credit.

**3. Business Developments:**

Secured a Perpetual PPI License. Agent network grew to 15.8 lakh+ across 2.5 lakh+ villages. Monthly AEPS GTV hit ₹5,000+ Cr, CMS GTV ₹4,000+ Cr. Q1 credit disbursals totaled ₹110 Cr (monthly ₹40+ Cr).

**4. Market Position & Competitive Advantage:**

Leading Off-Us AEPS (18.29% share), DiGiSPICE operates Bharat's largest assisted ATM & rural cash collection networks. Its tech-first strategy builds a trusted financial services platform.

**5. Investor Implications:**

Robust Q1 results and strategic diversification signal positive growth potential. Operational efficiencies are driving a clear turnaround with operating leverage, positioning its scalable model for deeper financial inclusion.