Please find attached Investor Presentations

August 6, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400 001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400 051 Scrip Code: DIGISPICE Sub.: Investors presentation on the performance for the Quarter ended 30th June, 2026 Dear Sir/Madam, This is in continuation of the previous intimations dated 4th August, 2026 and 6th August, 2026, with regard to a conference call for Investors/Analysts with senior management team, scheduled to be held on Friday, August 7, 2026 at 03:00 P.M. We are enclosing the presentation which may be used by the Company for the potential meeting with Analysts and Investors community and will also be made available on the website of the Company, www.digispice.com. You are requested to kindly take the above on record and oblige. Thanking you. Yours faithfully, For DiGiSPICE Technologies Limited (Pankaj Arora) Whole-time Director and Company Secretary DiGiSPICE Technologies Limited CIN – L72900DL1986PLC330369 Regd. Office: JA-122, 1st Floor, DLF Tower A, Jasola, New Delhi – 110025, Tel: +91 11 41251965 Corp. Office: Spice Global Knowledge Park, 19A & 19B, Sector – 125, Noida – 201301, Uttar Pradesh, India – Tel: +91 120 5029101 Email ID: complianceofficer@digispice.com | Website: www.digispice.com Investor Presentation Q1 FY’27 SPICE MONEY Earnings Presentation Performance Update for the Quarter Ended June 30, 2026 Building a Trusted Financial Services Platform for Bharat Released: 7th August 2026 Table of Contents The Spice Bharat Stack Road Ahead Key Highlights Digispice Technologies: At a Glance Financial Highlights Key Business Update Key Services Update Licenses and Partnerships The Spice Bharat Stack Agent-Led Distribution, Customer & Merchant-Led Transactions, Credit-Led Growth Spice Bharat Stack Agent App Consumer App Spice Money Spice Pay B2B2C Platform - Enabling Financial Services for Bharat PPI wallet-based UPI Account Digitizing Cash-First Markets Core Services: Core Services: Beyond Payments: • Cash Withdrawal • Bill Payments • Scan & Pay • Gold Savings in wallet (pipeline) • Cash Deposit • Ticket Booking • Send & Receive • FD & RD with banks • Cash Collection • PAN Card • Bill Payments • Insurance pipeline • Money Transfer • Credit • Investments pipeline • Account Opening • Insurance • Credit pipeline Spend ➔ Save ➔ Invest ➔ Credit 1.68 Lakh+ 2.58 Lakh 2.75+ Crs Cash ➔ Digital Customer Savings & Invest Agents (Adhikaris) Towns Covered Monthly Customers Bridge Ownership Habit CREDIT OVERLAY Key Pillars: Lending Accessible Credit Solutions • Transaction-backed credit model Agent & Consumer Tailored credit offerings designed specifically for merchants • Seamless digital-first application and consumers in semi-urban and rural India. Empowering Bharat through accessible Credit • Empowering local micro-entrepreneurs We are a Fintech business with over ~1.7 mn Agents using our digital platform to deliver assisted digital payment services, basic banking and financial services to over 170 mn+ customers annually across 2.6 lakh small towns. Driving Digital Led Financial Inclusion Unfolding The Next Chapter Road Ahead ATM COLLECTIONS FINANCIAL SERVICES SPICE UPI LENDING Bharat’s Largest Assisted Bharat’s Largest Rural Cash Bharat’s Deepest Financial Bharat’s UPI Account Empowering Bharat with ATM Network Collection Distribution Accessible Credit (AePS, m-ATM & UPI Cash Point) (via BC Agents) Grid Cash withdrawals in the remotest Loan EMI and cash collection for Assisted sales of Accounts, Loans, UPI Led Spends in Cash first Transaction backed credit for parts of India. NBFCs and MFIs. Insurance Markets Agent, Merchant & Consumers CASH ACCESS COLLECTIONS DISTRIBUTION SPICE UPI CREDIT GRID Next Next Next Next Next AePS Cash Deposit and UPI BBPS-led EMI & Utility Full Stack API-led Cross-sell Tailored cross-sells Lending to Agents and via Cash Point Collections Agents Driving the reach of financial services across Bharat by deepening our presence and bringing new-to-UPI and new-to-credit customers into the financial services fold. Q1 FY’27 Highlights Financial Resilience Drives Profitability Despite Soft Volumes Key Highlights Product & Partnerships PAT - Continuing Business Merger Update Insurance Offerings- Launched Shop Insurance, ₹9 Cr NCLT Motion Accepted Mobile Screen Protection in Q2’26 & Two-Wheeler Merger application was presented before the Hon’ble NCLT where the first motion was Insurance in July’26; 5+ additional products in Q1 FY’27 (vs ₹7 Cr in Q1 FY’26) successfully accepted. pipeline. Strong financial performance with full-year Shareholder Approval FD-Backed Credit Card- Actively scaling up card results delivering exceptional growth in The shareholders of Digispice Technologies programs, Onboarded 5 major credit card referral continuing operations. approved the scheme at their meeting held on July 13, 2026. Subsequently, the second motion partners in Q1. petition was filed with the Hon’ble NCLT on July Savings Product for Consumer- Successfully 24, 2026. Credit & Operations launched FD & RD product in select districts on our The current financial year represents an UPI App to encourage customer savings. Credit Breakeven important phase in the Company’s strategic journey as it continues to progress the Investment Products- On track to launch tailored Operations have reached breakeven, with improving proposed merger of Spice Money with Digispice savings and investment products, including Mutual gross margins and unit economics. Technologies, subject to the receipt of Fund offerings with NSDL Payments bank in coming approval from Hon’ble NCLT. This will help us Operational Efficiency transforming into a pure-play listed fintech quarters. Ongoing measures focused on margin improvement, where our performance and growth will cost optimization, and geographic efficiency. directly power shareholder value. Strengthening foundation through execution, product innovation, & focusing on customer ownership for sustainable, long-term growth. Digispice Technologies Q1 FY’27 At a Glance Key Highlights Customers Served (#) Registered Agents (#) Small Town Coverage (#) Employees (#) Key Metrics 2.75 Cr+ 16.8 Lakhs 2.58 Lakhs 1,000+ As on 30th June 2026 Monthly AEPS Market Share AEPS GTV Enterprise Collection Partners CMS GTV 17.93% ₹13,330 Crs 86+ ₹8,622 Crs Market Leader in Off-Us AEPS – Gained back -8.3% Q-o-Q +12 Enterprises in 1 year -21.5% Q-o-Q 18.3% market share in July Product Metrics For Q1 FY’27 BBPS GTV CASA Opened (#) Float Balance Credit Disbursement ₹1,499 Crs 17.7 Lakhs+ ₹ 320+ Crs ₹ 198.5 Crs +1.1% Q-o-Q Lifetime +45% in 1 year +64% in 1 Year Revenues Gross Margin EBIT PAT (Continued Business) ₹107.8 Crs ₹48.1 Crs ₹12.7 Crs ₹9 Crs +0.6% Q-o-Q -1.1% Q-o-Q +87% Q-o-Q +103% Q-o-Q Financial Indicators For Q1 FY’27 Return on Capital Employed Debt Return on Investment Business Capex / Net Worth 11.6% Zero 30.3% 7.0% Capturing data across 2.75Cr+ monthly customer interactions to drive targeted cross-sell of CASA, Insurance, Credit, and upcoming Savings & Investment products Financial Highlights Higher Operational Efficiency Deliver Strong Profitability Financial Highlights Last 2 Years Performance Quarter-on-Quarter Performance Particulars (Rs. Crs) FY'25 FY'26 Y-o-Y Growth Q1 FY’26 Q4 FY'26 Q1 FY’27 Q-o-Q Growth Customer GTV 1,15,787 1,27,895 10.5% 32,852 31,444 28,295 -10% Revenue 448.5 464.6 4% 123.8 107.2 107.8 0.6% Gross Margin 178.0 201.2 13% 49.2 48.6 48.1 -1.1% - Core Platform 177.5 198.1 11.6% 48.7 47.4 46.9 -1% - New Engines* 0.5 3.0 6x 0.5 1.2 1.2 - Indirect Cost 181.6 180.3 -0.7% 42.7 47.3 39.5 -17% - Core Platform 169.8 171.8 1.2% 40.0 45.3 37.4 -17% - New Engines* 11.8 8.5 -27% 2.7 1.9 2.0 4% EBITDA -3.6 20.8 6.8x 6.5 1.3 8.6 6.5x - Core Platform 7.7 26.3 3.4x 8.7 2.1 9.5 4.6x - New Engines* -11.2 -5.5 51% -2.2 -0.7 -0.9 -16% EBIT 15.6 37.3 2.4x 10.2 6.8 12.7 87% PAT (Continued Busin [Showing first 8,000 characters — download PDF for full document]