AvenuesAI Limited — PPTs, 11-08-2026: Investor Presentation

Here's a summary of the investor presentation for AvenuesAI:

**Business Performance:**

AvenuesAI is showing robust growth, with Gross Revenue up 109% YoY to INR 26,804 million in Q1 FY27. While Payments Net Revenue (NTR) saw a decline of 3% YoY to INR 1,475 million, this was partly due to a strategic focus on volume expansion. The company processed INR 1.48 trillion in Total Payment Volume (TPV), a significant 74% YoY increase, indicating strong underlying transaction activity. EBITDA and Profit After Tax (PAT) also showed healthy increases of 41% and 45% YoY, respectively.

**Growth Drivers or Strategy:**

The company is heavily investing in its AI capabilities, embedding them across its payments, workflow, and decision-making processes. This AI integration is central to its strategy, aiming to transform payments from a utility to an intelligence layer. The Rediff platform is being leveraged as a low-cost customer acquisition engine and a distribution channel for fintech and AI products.

**Recent Developments:**

AvenuesAI has made significant strides internationally, receiving in-principle approval for a retail payment license in the UAE. Domestically, it secured authorization for prepaid payment instruments from the RBI. The company is also strategically investing in the digital lending space by taking stakes in Ratnaafin Capital and Online PSB Loans (OPL) to build an AI-led embedded lending ecosystem. Furthermore, it's developing on-premise AI solutions with Small Language Models (SLMs) for enterprise adoption.

**Key Financial Metrics:**

Q1 FY27 Gross Revenue: INR 26,804 million (+109% YoY)

Q1 FY27 EBITDA: INR 1,000 million (+41% YoY)

Q1 FY27 PAT: INR 848 million (+45% YoY)

Q1 FY27 TPV: INR 1.48 trillion (+74% YoY)

**Management Commentary / Outlook:**

AvenuesAI is positioned for future growth, with a guidance for FY27 Gross Revenue between INR 110,000 - 130,000 million and EPS between INR 8.75 - 9.50. The company is focusing on its transformation into an AI-native transaction infrastructure and aims for international businesses to contribute 12-15% to Payments Net Revenue by FY28, with expansion plans into multiple countries.