Investor Presentation

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: Investor Presentation on the Financial Results of the Company for the quarter ended June 30, 2026 Dear Sir/Madam, Further to our letter dated July 27, 2026 and pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, read with Schedule III thereto, please find enclosed herewith presentation on the financial results (Earnings Presentation) to be made to analysts/investors for the quarter ended June 30, 2026. Please access the live webcast of the earnings call scheduled to be held on Monday, August 03, 2026 at 04:00 P.M. IST (India Standard Time) at: https://services.choruscall.in/DiamondPassRegistration/register?confirmationNumber=9527312&linkSec urityString=51c6090000 The presentation is also made available on the website of the Company at https://www.mobikwik.com/ir/financial-statements We request you to kindly take the same on record. Thanking you, For One MobiKwik Systems Limited Ankita Sharma Company Secretary and Compliance Officer Membership No.: A37518 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 Corporate Summary Quarterly Snapshot : Key Metrics at a Glance Ranked #1 in Wallet (1) 2nd Fastest Growing UPI TPAP App(2) Ranked #6 in Bill Payments (3) Payments Financial Services New Businesses 2-sided payments platform serving consumers via UPI, Consumer credit platform serving users across the credit High-growth platforms building on MobiKwik’s Wallet & Bill Payments and 5.02 Mn merchants spectrum via FLDG & marketplace models distribution moat Offline Merchants 192.8 Mn 5.02 Mn 1.64 Mn 60% (Merchant Acquisition) Scaling Merchant Relationships • Using Transaction Data Registered Users Merchant Partners ZIP EMI Users Repeat Customers to enable merchant credit • Improving monetization Device Led Acquisition Strategy to deliver scaledrevenue, building a strong base for MCA Lending ₹587Bn ₹2,081 Mn ₹7,367 Mn ₹733 Mn Q1 FY27 GMV (50% YoY) Q1 FY27 Revenue Q1 FY27 Disbursals Q1 FY27 Revenue Online Merchants (Zaakpay) Online Payment Checkout Services for Merchants• Near breakeven • Building SMB pipeline ₹777 Mn 37% ₹433 Mn 5.87% Focus on growing business from non-MobiKwik Q1 FY27 Gross Profit Gross Margin (Q1 FY27) Q1 FY27 Gross Profit Net FS Margin (Q1 FY27) merchants; targeted expansion in high-value regulated sectors India’s leading digital financial services platform offering Paymentsand Credit Offerings to 192.8 Mn+ users 1By GTV of Digital Wallet as of Jun’26 | 2Based on NPCI data for top 20 TPAPs as per transaction count for Q1FY27 Vs Q1Y26| 3By GV as of Jun’26 among Customer Operating Units | 4Including Standalone and Payment Gateway (Zaakpay) GMV 4 Strong Independent Board of Directors Ensuring Compliance at Every Step Regulatory Licenses Enabling Long-Term Business Continuity Type of Regulatory Details of Licenses Last Renewed Product/ Service Offered BusinessAc(cid:415)vity Authority Prepaid PaymentInstrument Issuance and Opera(cid:415)on of PPI (Wallets) to the consumers .Providing merchant 30-Sep-25 RBI (PPI) acceptanceinfrastructure under PPI Bharat Bill PaymentOperating Providing the services of Bill payments forutility services such as electricity 27-Jan-26 RBI Unit(BBPOU) billpayments, credit card bill payments, etc. Payments Providing merchants services to acceptpayments from their customer via Online Payment 30-Apr-25 RBI multipledigital modes such as cards,UPI, wallets,net banking, etc. including Aggregator (PA-O) (Perpetual Validity) collection andse(cid:425)lement thereof. Offline Payment 25-May-2026 Collection and settling of digital face-to-face payments, such as QR code scans Aggregator (PA-P) (Perpetual Validity) and card swipes at point-of-sale (POS) terminals Non-Banking Financial 27-Apr-2026 Carrying out Non-Banking Financial Institution activities, Lending RBI Company (NBFC) (Application Approved) specifically enabling on-book lending and co-lending AMFI RegistrationNumber 06-Mar-25 SEBI Carrying on business of selling andmarketing of mutual fund products. (ARN) Registration asInvestment 21-Aug-23 Providing services in relation to financialadvice to clients, helping them Wealth Adviser(RIA) (Perpetual Validity) SEBI choosesuitable securi(cid:415)es and investment products. 01-Jul-25 Carrying on the activities of buying, selling or dealing in securities/clearing Stock Broking SEBI (Perpetual Validity) and settlement of trades. Carrying out activities of soliciting,marketing and distributing Insurance Corporate Agent(Composite) 15-Dec-23 IRDAI insuranceproductson behalf of insurers. 12 6 Corporate Update : Lending Business Transfer to Subsidiary to Activate NBFC Migrating the Lending Service Provider (LSP) business to MDSPL (wholly-owned subsidiary of OMSL) – a condition of the NBFC in-principleapproval, ahead of receiving the Certificate of Registration (CoR) 1 2 3 APR 27, 2026 JUL 2, 2026 TARGETED: AUG 2026 NBFC In-PrincipleApproval Shareholder Approval Lending Business Transfer to MDSPL (Wholly-owned Subsidiary) RBI grants in-principleapproval for the Postal ballot (remote e-voting) Slump sale of the LSP undertaking, capital NBFC licence —conditional on migrating concludes; shareholders approve the LSP infusion from earmarked IPO proceeds, the LSP business to a wholly-owned business transfer via slump sale to and novation of all existing LSP subsidiary before the CoR is issued MDSPLand the revised utilisation of IPO agreements —moving the business into proceeds to capitalise the lending MDSPL, MobiKwik's wholly-owned business subsidiary COMPLETED COMPLETED IN PROGRESS Thank you to our shareholders —your continued trust and support in MobiKwik has been instrumental in enabling this transition MDSPL: MobiKwik Distribution Services Private Limited, a wholly-owned subsidiary of One MobiKwik Systems Limited | LSP: Lending Service Provider | CoR: Certificate of Registration 7 Payments Driving User Acquisition Consumer Payments : Product Offerings UPI Wallet + Pocket UPI Bill Payments Send money to anyone, scan Load once, spend anywhere - A UPI account that lives inside Every recurring payment - any QR, pay offline -all from without touching your bank your wallet -no bank failures, mobile, electricity, credit card one screen account clean statements, single tap managed in one place UPI : 2nd Fastest Growing UPI TPAP App Our UPI transactions grew 5x faster than the Overall Industry (MobiKwik 130% YoY vs Industry 24%) OUTPACING THE INDUSTRY 2.3X UPI Transactions YoY 2.0X UPI GMV YoY MobiKwik 130% 100 Mn → 230 Mn 136 Bn → 269 Bn Industry 24% YoY UPI transaction growth TARGETING 4X TRANSACTION GROWTH OVER NEXT 2 YEARS Customer Initiated UPI Transactions (Mn) KEY GROWTH LEVERS Powered by a dedicated UPI PSP Stack 2.3X 1 230.0 Running dedicated technology means faster fixes, higher uptime, and quicker releases on our timeline. 209.3 UPI Registration Rebuilt 172.3 Focused work on the setup flow lifted the number of users completing UPI activation on MobiKwik. 138.3 Security and Compliance at the Core 3 Industry-leading security and compliance on every transaction protect customers and shape how the 100.1 product scales. Refer and Earn, Plus Retention A new referral program grows registrations and transactions, with retention work keeping users active. Deeper Platform Reliability Continued investment in core architecture delivers a stable, dependable experience users trust. Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 1) Based on NPCI data for top 20 TPAPs as per transaction count for Q1FY’27 Vs Q1FY’26 10 PPI Wallet Scales on Every Metri [Showing first 8,000 characters — download PDF for full document]