Press Release

Date: August 03, 2026 National Stock Exchange of India Limited BSE Limited Exchange Plaza, C-1, Block G Phiroze Jeejeebhoy Towers Bandra Kurla Complex Dalal Street, Mumbai – 400 001 Bandra (E), Mumbai – 400 051 Symbol: MOBIKWIK Scrip Code: 544305 Sub: Press Release on the Financial Results of the Company for the quarter ended June 30, 2026. Dear Sir/ Madam, In compliance with Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached herewith the Press Release on the financial results of the Company for the quarter ended June 30, 2026. This is for your information and further dissemination. Thanking you For One MobiKwik Systems Limited Ankita Sharma Company Secretary and Compliance Officer Membership No.: A37518 Encl:A/a ONE MOBIKWIK SYSTEMS LIMITED Registered Office: Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road, Sector-53, Gurugram, Haryana-122003, India. Ph: +91 (124) 490-3344 | CIN: L64201HR2008PLC053766 | www.mobikwik.com | cs@mobikwik.com PRESS RELEASE MobiKwik profitable for third consecutive quarter; delivers PAT of ₹76 Mn, a positive swing of INR 495 Mn YoY Key Highlights ● PAT at INR 76 Mn in Q1 FY27, a positive swing of INR 495 Mn YoY, marking continued profitability after H2 FY26 turnaround ● EBITDA at INR 158 Mn in Q1 FY27, third consecutive profitable quarter, sustaining profitability momentum from H2 FY26 ● Platform GMV reached an all-time quarterly high of INR 587 bn, growing 50% YoY ● 2nd fastest-growing UPI TPAP App in India; UPI transactions grew 5x faster than the overall Industry ● Net Financial Services Margin increased 5x YoY from 1.1% in Q1 FY26 to 5.9% in Q1 FY27 Gurugram, India, Aug 03, 2026: One MobiKwik Systems Ltd. (MobiKwik) (NSE: MOBIKWIK / BSE: 544305), India's largest digital wallet, today announced its earnings results for the quarter ended June 30, 2026 (Q1 FY27). The Company reported its third consecutive profitable quarter, with a PAT of ₹76 Mn, a swing of ₹495 Mn YoY, reinforcing its position as one of India’s fastest-scaling and profitable fintech platforms. Key Financials: Q1 FY27 v/s Q1 FY26 Platform ZIP EMI Total Contribution EBITDA PAT GMV GMV Income Profit Q1 FY27 ₹587 Bn ₹7,367 Mn ₹2,892 Mn ₹1,286 Mn ₹158 Mn ₹76 Mn Q1 FY26 ₹392 Bn ₹6,931 Mn ₹2,816 Mn ₹774 Mn ₹(312) Mn ₹(419) Mn ₹470 Mn ₹495 Mn Growth 50% 6% 3% 66% Swing Swing Profitable Growth Momentum Continues Q1 FY27 marks a continuation of MobiKwik’s profitability journey. Contribution Profit grew by 66% YoY, reflecting disciplined cost management and strong monetization across Payments and Financial Services. Payments GMV hit a new quarterly high, while Financial Services delivered resilient revenue growth along with favourable Gross Profit margins. Commenting on the performance, Bipin Preet Singh, Co-founder, MD & CEO, MobiKwik said: "Our Q1 FY27 performance reinforces that profitability is embedded in our business model, with three consecutive profitable quarters alongside continued investments in growth. In Payments, we have delivered a record GMV streak of 14 straight quarters, achieving 50% YoY growth with improved unit economics. In Lending, we grew Gross Profit 5.6x YoY, demonstrating robust credit quality and strong portfolio recoveries. We remain focused on deepening our Payments leadership, expanding our digital Financial Services ecosystem, and creating sustainable long-term value for our customers and shareholders.” Headline Results for the Quarter Ended June 30, 2026 Consolidated Financials ● Revenue from operations stood at INR 2,815 Mn, up 4% YoY; Total Income at INR 2,892 Mn, up 3% YoY ● Direct costs declined 21% YoY, underscoring continued focus on cost efficiency ● Contribution profit increased 66% YoY to INR 1,286 Mn ● Fixed Costs as a % of Total Income landed at 39%, reflecting a build phase with investments being made in segments with high growth potential ● EBITDA for Q1 FY27 stood at INR 158 Mn, marking a profitable quarter with an improvement of INR 470 Mn YoY ● PAT at INR 76 Mn in Q1 FY27, marking a positive swing of INR 495 Mn from Q1 FY26 Payments The Company’s core payments business continued to deliver strong growth with improving unit economics and high operating leverage. ● Consistently ranked as the #1 PPI Wallet in India1 ● Ranked amongst the 2nd fastest-growing UPI Apps2 in India’s UPI Ecosystem, growing 2.3x YoY in UPI transactions ● 6th largest Customer Operating Unit3 in the BBPS ecosystem ● Achieved its highest-ever quarterly Platform GMV4 of INR 587 Bn and posted 14 straight quarters of growth with 50% YoY growth in Q1, driven by strong UPI performance that powered revenue-generating payment categories ● Net Payments Margin stood at 13 bps, supported by a healthy mix of payment volumes and merchant monetization ● Gross margin at 37%, up YoY from 28% in Q1 FY26 ● User base grew to 193 Mn and merchant base expanded to 5.02 Mn Financial Services Financial Services Business continues delivering high-quality revenue on the back of enhanced credit quality and collection efficiency. ● Financial Services Gross Profit at INR 433 Mn, up 5.6x from Q1 FY26 (INR 77 Mn) ● Net FS Margin increased 5x YoY from 1.1% in Q1 FY26 to 5.9% in Q1 FY27, owing to MobiKwik is the largest digital wallet in India with an 19% market share of PPI wallet by gross transaction value (GTV) as of June 2026 Based on NPCI data for top 20 TPAPs as per transaction count, Q1 FY27 vs Q1 FY26 Based on GTV as of March 2026 | Source: BBPS Statistics Platform GMV = MobiiKwik Payments GMV and Zaakpay GMV improvement in credit quality ● ZIP EMI GMV stood at INR 7,367 Mn, grew 6% YoY with 32% disbursals in Distribution Model and 68% in FLDG Model ● Credit risk performance improved by approximately 25%, with 60% of loans going to repeat customers The improvement across these metrics reflects a robust delivery in the Lending business. With profitability firmly re-established, the Company is well positioned to accelerate growth across its digital financial services portfolio in a calibrated and sustainable manner. About MobiKwik (www.mobikwik.com) One MobiKwik Systems Ltd. (MobiKwik) is India's largest digital wallet offering a comprehensive range of payments and financial products to consumers and merchants. Founded by Bipin Preet Singh and Upasana Taku in 2009, MobiKwik today serves 193 Mn registered users and 5.02 Mn merchants through products including MobiKwik Wallet, UPI, Pocket UPI, and Zaakpay (payment gateway). The Company has expanded into financial products spanning credit (ZIP EMI, MCA), savings and investments (Fixed Deposits, Mutual Funds, Digital Gold, Lens.AI), establishing itself as a leading digital financial services platform across India. MobiKwik is the largest digital wallet in India with a 19% market share of PPI wallet gross transaction value (GTV) as of June 2026. For more information, please visit: https://www.mobikwik.com/ir For further information, please contact: Anindita Neha Murmu MobiKwik anandita.murmu@mobikwik.com Diksha Gulyani MobiKwik diksha.gulyani@mobikwik.com Mrinall Kanti Dey Brevanta Communications +91 9818449509 mrinall@brevanta.in