Please find attached transcript of Investors/Analyst Call held on 7th August, 2026

Date: 12th August, 2026 BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers, Exchange Plaza, Plot No. C/1, G Block Dalal Street, Mumbai – 400001 Bandra – Kurla Complex, Bandra (E) Scrip Code: 517214 Mumbai – 400051 Scrip Code: DIGISPICE Sub.: Transcript of the Investors/Analysts Conference Call held on 07th August, 2026 Dear Sir/Madam, Pursuant to Regulation 30 read with Regulation 46 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached herewith the transcript of the Investors/ Analyst Call held on 07th August, 2026 with senior management team. The transcript will also be available on the website of the Company at: https://investorrelations.digispice.com/information.php?page=transcripts. You are requested to kindly take the above on record. Thanking you Yours faithfully, For DiGiSPICE Technologies Limited (Pankaj Arora) Company Secretary and Compliance Officer 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 “DiGiSPICE Technologies Limited Q1 FY '27 Earnings Conference Call” August 7, 2026 MANAGEMENT: MR. DILIP MODI – CHAIRMAN – DIGISPICE TECHNOLOGIES LIMITED MR. SUNIL KAPOOR – WHOLE-TIME DIRECTOR AND CHIEF FINANCIAL OFFICER – SPICE MONEY LIMITED MR. ROHIT SOOD – CHIEF BUSINESS OFFICER – PLATFORM BUSINESS - SPICE MONEY LIMITED MR. AKASH BAFNA - CHIEF BUSINESS OFFICER – LENDING BUSINESS - SPICE MONEY LIMITED MS. AASTHA GARG – HEAD, INVESTOR RELATIONS – SPICE MONEY LIMITED MODERATOR: MS. HASHIKA MUTREJA – ADFACTORS PR Page 1 of 21 DiGiSPICE Technologies Limited Q1 FY 2027 Earnings Call August 7, 2026 Hashika: Good afternoon everyone and a very warm welcome to the Earning Zoom webinar of DiGiSPICE Technology Limited for Q1 and FY27. We have with us Mr. Dilip Modi – Chairman of DiGiSPICE Technology Limited, Mr. Sunil Kapoor – Whole-time Director and Chief Financial Officer of Spice Money Limited and Ms. Aastha Garg – Head of Investor Relations, Spice Money Limited. Before we begin, I would like to state that some of the statements made in today's discussion may be forward looking in nature. The actual results may vary as they are dependent on several external factors. A statement in this regard has also been included in the Result Presentation sent to you earlier. We will commence the call with the Management taking you through the operational and the financial performance for the period under review, following which we will have an interactive Q&A session. I would now like to invite Mr. Dilip Modi to commence the presentation over to you, sir. Thank you. Dilip Modi: Thank you, Hashika. Good afternoon, everyone. Thank you for taking out the time to join us this afternoon. Every quarter for the last five years, we have been having these calls to introduce what we do at DiGiSPICE Technologies to the market. As you are aware, DiGiSPICE Technologies itself is a holding company under which we are building a business called Spice Money. This is the only business sitting under DiGiSPICE Technologies. And we have been going through a process with NCLT to merge this business into DiGiSPICE Technologies. So, we give you an update on that. So, really, the way we would encourage you to think about DiGiSPICE Technologies is effectively look at what we are building under the brand Spice Money. So, let me start my presentation by sharing with you what has been the vision behind which we are building at Spice Money. And then we will specifically dive into Quarter 1 in terms of what have been our achievements for the quarter. Page 2 of 21 If you really look at what we are building at Spice Money, we are effectively building a digital stack for banking in Bharat. All of us know about UPI and what it has done for our digital payments’ ecosystem. But what we are also seeing an opportunity going forward is for a digital banking ecosystem to evolve in India. A lot of banks have their apps and onboard customers directly on the apps. But there are lots of customers who today are not either using a banking app actively or a UPI app. And effectively, that's a cash first economy. A lot of this economy is sitting in Tier-3, Tier-4 and Tier-5 India. That is also looking to transact with their bank account. We at Spice Money have built a stack for these consumers. There are nearly half a billion of these consumers living in Tier-3, Tier-4 and Tier-5 India. What we have started with is building an app which is used by small merchants in Tier-3, Tier- 4 and Tier-5 India who use our app to function as a banking agent in their community. To date, we have onboarded over 16 lakh agents on our platform. I would ask you to correct the typo. It's 1.68 million Adhikaris on our platform. We refer to them as Adhikaris. Covering around 2.5 lakh towns. And on a monthly basis, we are catering to 27 million customers. Which on an annual basis is about 170 million. What these customers do, they come to these merchant points which function as our banking agents using our app to withdraw cash, deposit cash, to also open an account, to take a loan, to take an insurance policy. So, effectively, we have created a lot of these touch points where people can transact with their bank account. This has allowed us to gather a lot of data around these consumers. And now our goal is to move them from being a cash first consumer to a digital first consumer. And that is where now we are looking to build our own consumer app. Where effectively our goal is to digitize their cash payments using UPI. We as a company have a PPI wallet license from the regulator which now has become UPI interoperable. So, effectively it can function like a UPI account. So, what we are looking at is the 170 million customers on an annual basis. Who today are cash first customers. Basically, depositing cash in their account, bank account, withdrawing cash and then spending in cash. To open a simple easy to use UPI account and use our agent network to deposit cash into that account. And then spend using a very simple easy to use app that we give to the consumer. So, effectively the two apps that we are looking to build is an app for the banking agent and an app for the banking consumer. On top of this, we are also building out a credit business. Where effectively we have seen that in Tier-3, Tier-4, Tier-5 India. There are a lot of small merchants, a lot of independent workers, self-employed. Who are not given access to formal credit. Page 3 of 21 Because of lack of enough data, collateral or just pure access. That there isn't a bank branch or an NBFC branch close to where they live. Majority of these customers are living around our agents. And therefore, through our agents we can access them for data. As well as profile them and be able to provide them loans. We already as we show you in the data have started offering loans of third-party capital to our agents. And going forward we are looking to offer loans to merchants and consumers around the agents. So, effectively at Spice Money we are a fintech business. With 1.7 million consumers using our mobile app. Or our digital platform to offer digital payment, basic banking and financial services. To over 170 million customers across 2.6 lakh small towns. What is the journey that we are on in terms of products on the next slide. Our goal is to drive, if we move to the next slide please. Our goal is to drive digital led financial inclusion in Bharat. And effectively these are the five pillars that we are focusing on. So, the first thing if you think of ATM as a banking product. Today there are about 2 lakhs plus ATM machines in the country. The ones we are used to seeing in big cit [Showing first 8,000 characters — download PDF for full document]