BSECompany Update23h ago · 6 Aug 2026, 07:51 pm
The Company is submitting the Investor Presentation with respect to Un-audited financial results of the Company for the first quarter ended June 30, 2026.
BLS E-Services Ltd · 544107
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BLS E-Services Ltd has submitted an investor presentation for its un-audited financial results for Q1FY27, showing a 23.3% growth in total income and a 7.9% increase in EBITDA.
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BLS E-Services Ltd - 544107 - Announcement under Regulation 30 (LODR)-Investor Presentation
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August 06, 2026
To, To,
National Stock Exchange of India Ltd., BSE Limited,
Exchange Plaza, C-1 Block G, Bandra Kurla Phiroze Jeejeebhoy Towers, Dalal Street,
Complex Bandra [E], Mumbai – 400051 Fort, Mumbai -400 001
NSE Scrip Symbol: BLSE BSE Scrip Code: 544107
Subject: Investor Presentation
Dear Sir / Madam,
Pursuant to Regulation 30 read with Schedule III of Securities and Exchange Board of India
(Listing Obligations and Disclosure Requirements) Regulations 2015, please find enclosed an
Investor Presentation with respect to Un-audited financial results of the Company for the
first quarter ended June 30, 2026.
You are requested to take the same on your records.
For BLS E-Services Limited
Neha Baid
Company Secretary and Compliance Officer
ICSI Membership No.-A33753
Encl: As above
BLS E-SERVICES
LIMITED
Investor Presentation
Q1FY27
BSE : 544107 | NSE : BLSE
Safe Harbor
This Presentation and the accompanying slides (the “presentation”), have been prepared by BLS E-
Services Limited (the “Company”), solely for information purposes and do not constitute any offer,
recommendation or invitation to purchase or subscribe for any securities, and shall not form the basis or
be relied on in connection with any contract or binding commitment whatsoever. No offering of
securities of the Company will be made except by means of a statutory offering document containing
detailed information about the Company.
This presentation has been prepared by the Company based on information and data which the
Company considers reliable, but the Company makes no representation or warranty, express or implied,
whatsoever, and no reliance shall be placed on the truth, accuracy, completeness, fairness and
reasonableness of the contents of this presentation. This presentation may not be all inclusive and may
not contain all of the information that you may consider material. Any liability in respect of the contents
of, or any omission from this Presentation is expressly excluded.
This presentation contains certain forward-looking statements concerning the Company’s future business
prospects and business profitability, which are subject to a number of risks and uncertainties and the
actual results could materially differ from those in such forward-looking statements. The risks and
uncertainties relating to these statements include, but are not limited to, risks and uncertainties
regarding fluctuations in earnings, our ability to manage growth, competition (both domestic and
international), economic growth in India and abroad, ability to attract and retain highly skilled
professionals, time and cost over runs on contracts, our ability to manage our international operations,
government policies and actions regulations, interest and other fiscal costs generally prevailing in the
economy. The Company does not undertake to make any announcement in case any of these forward-
looking statements become materially incorrect in future or update any forward-looking statements
made from time to time by or on behalf of the Company.
CONTENTS
Q1FY27
Performance
Highlights
Results Snapshot – Q1FY27 vs Q1FY26
Total Income at EBITDA* at PAT at
Rs. 310 Crores Rs. 27 Crores Rs. 19 Crores
Up 23.3% 8.7% Margin 6.0% Margin
Gross Transaction Value ^ at Loan Disbursement worth
Total BCs / CSPs
Rs. 29,500+ Crores Rs. 8,700+ Crores
46,800+
Up 12.6% Up 20.8%
^ Gross Transaction Value includes value of loans disbursed * EBITDA includes Other Income
Key Business Updates – Q1FY27
No. of touchpoints increased to 1,58,600+ in Q1FY27 as Business Correspondents CSPs increased to 46,800+ as on 30th
compared to 1,44,000+ in Q1FY26 June 2026 as compared to 45,000+ as on 30th June 2025
Gross Transaction Value^ for Q1FY27 stood at Rs. 29,500+ Crores Facilitated Loan Disbursement of Rs. 8,700+ Crores in Q1FY27 as
compared to Rs. 26,200+ Crores in Q1FY26 compared to Rs. 7,200+ Crores in Q1FY26
• Starfin India won a mandate from Tamil Nadu Grama Bank to
BLSe completed the acquisition of 100% stake in Atyati
expand CSPs across Tamil Nadu.
Technologies Private Limited (“Atyati”), one of the largest
• Partnered with Coverfox to offer digital insurance products
companies operating over 25,900 CSPs and provides technology
through its network.
platforms for financial inclusion, focusing on rural banking, last-
• Secured a West Bengal government contract for beneficiary
mile agent banking, and doorstep banking services.
verification under AB PM-JAY and Ayushman Vay Vandana.
^ Gross Transaction Value includes value of loans disbursed
Consolidated Financial Highlights – Q1FY27 vs Q1FY26
in Rs. Crores
Total Income & YoY Growth (%) EBITDA* & YoY Growth (%) PAT & YoY Growth (%)
+7.9%
+23.3%
+6.3%
26.9
24.9
309.8
18.6
251.2
17.5
Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27
Total Income stood at Rs. 309.8 Crores in Q1FY27, as compared to Rs. 251.2 Crores in Q1FY26 registering a growth of 23.3% YoY. This significant
growth was primarily driven by the expanded scale of the Business Correspondent segment
EBITDA* increased to Rs. 26.9 Crores in Q1FY27 from Rs. 24.9 Crores in Q1FY26
PAT stood at Rs. 18.6 Crores in Q1FY27 as compared to Rs. 17.5 Crores in Q1FY26
in Rs. Crores * EBITDA includes Other Income
Consolidated P&L Statement – Q1FY27
in Rs. Crores
Particulars Q1FY27 Q1FY26 YoY FY26 FY25 YoY
Revenue from Operations 304.1 244.0 24.6% 1,117.8 519.4 115.2%
Other Income 5.7 7.2 25.0 25.7
Total Income 309.8 251.2 23.3% 1,142.8 545.0 109.7%
Cost of Services 266.7 211.8 980.8 401.3
Employee Benefit Expenses 11.2 9.8 42.7 37.1
Other Expenses 5.0 4.7 19.4 20.5
EBITDA* 26.9 24.9 7.9% 99.9 86.1 16.0%
EBITDA Margin* (%) 8.7% 9.9% 8.7% 15.8%
Operating EBITDA 21.2 17.7 19.7% 74.9 60.5 23.8%
Operating EBITDA Margin (%) 7.0% 7.3% 6.7% 11.6%
Finance Costs 0.1 0.2 0.7 0.8
Depreciation 1.4 1.4 6.3 6.2
PBT before Exceptional Items 25.3 23.4 8.3% 92.9 79.1 17.4%
PBT Margin (%) 8.2% 9.3% 8.1% 14.5%
Tax Expenses 6.7 5.8 23.7 20.3
PAT 18.6 17.5 6.3% 69.3 58.8 17.8%
PAT Margin (%) 6.0% 7.0% 6.1% 10.8%
Consolidated Financials * EBITDA includes Other Income
Company
Overview
BLS E-Services at a Glance
BLS E-Services Limited (BLSe) is a leading digital service provider to governments and
1,143
Rs. Crores
financial institutions in the G2C, B2C, B2B categories, through its tech-enabled
FY26 Total Income
integrated business model
BLSe is not just a service provider, but also an enabler of equitable access and FY23-26 Total Income CAGR
empowered citizenship, extending the reach of its services from cities to the country’s
farthest corners 100
Rs. Crores
FY26 EBITDA*
BLSe operates under four Business Segments
8.7%
Business Correspondent Loan E-Governance Assisted
FY26 EBITDA Margin*
(BC) Services Disbursement Services E-Services
Provides essential banking Significantly enhanced Provides citizen-centric Provides services Rs. Crores
products and services the Loan Disbursement services for state and including PoS solutions, FY26 PAT
including savings and business through the central government such ticketing and assisted e-
recurring deposit accounts, acquisition of Aadifidelis as birth and death commerce, promoting
cash deposits, withdrawals, Solutions, which certificates, PAN and financial inclusion and 6.1%
remittances, transfers, bill facilitates personal Aadhaar enrolments and digital adoption
FY26 PAT Margin
collection solutions, and loans, business loans, property registrations
others and credit products
* EBITDA includes Other Income
Strengths
Key Strengths
1 2 3
Diversified Multi Modal Asset-Light
Business Model Revenue Streams Model
4 5 6
Strong Tailwinds
In-House
through Govt’s
Value-Accretive
Expansive
Acumen in
Financial Inclusion
Acquisitions
Network Reach
Technology
Initiatives
1. Diversified Business Model
Supporting state governments in empowering citizens, the Company facilitates access to more than 750 digitally delivered government services
BLS E-Services
Business Correspondent Loan Disbursement E-Governance Services Assisted E-Services
E
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