DiGiSPICE Technologies Limited

rs,

ates, targets and opinions, contained herein, and no liability whatsoever is accepted as to any errors, omissions or misstatements contained herein and, accordingly, none of the Company, its advisors and

336 million

ack of access in Rural India Internet JAM AePS UPI BBPS Internet penetration in Rural : 336 million users 46 crore Jan Dhan Bank Accounts, 130 cr Aadhaar penetration Democratizing banking. 34 Cr

rs 46 crore

n Rural India Internet JAM AePS UPI BBPS Internet penetration in Rural : 336 million users 46 crore Jan Dhan Bank Accounts, 130 cr Aadhaar penetration Democratizing banking. 34 Cr annual users In

6%

saction Value (INR. ‘000 Cr) Spice Money Service Fee Revenue (INR Cr) 100. 50. 0. 101 83 46 6% 7% 25.8 25.5 27.3 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 400. 300. 200. 100. 0. 341 4

7%

ion Value (INR. ‘000 Cr) Spice Money Service Fee Revenue (INR Cr) 100. 50. 0. 101 83 46 6% 7% 25.8 25.5 27.3 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 400. 300. 200. 100. 0. 341 401

3%

8 25.5 27.3 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 400. 300. 200. 100. 0. 341 401 190 3% 5% 103 101 106 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 Spice Money Service Fee GM (INR Cr)

5%

5.5 27.3 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 400. 300. 200. 100. 0. 341 401 190 3% 5% 103 101 106 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 Spice Money Service Fee GM (INR Cr) 150.

4%

23 Q1FY23 Q4FY23 Q1FY24 Spice Money Service Fee GM (INR Cr) 150. 100. 50. 0. 145 114 65 4% 3% 37.7 38 39.3 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 Continuing Growth Momentum every Qua

rs 9

every Quarter *All numbers are rounded off and growth percentages are calculated on absolute numbers 9 Portfolio Diversification - Cash-out to Multi-product business 0.8 , 2% Q1FY23 0.5 , 1% Collecti

2%

lated on absolute numbers 9 Portfolio Diversification - Cash-out to Multi-product business 0.8 , 2% Q1FY23 0.5 , 1% Collections, 3.4 , 9% 2.0 , 6% Service Fee GM: ₹37.7 Cr 2.4 , 6% Q1FY24 S

1%

numbers 9 Portfolio Diversification - Cash-out to Multi-product business 0.8 , 2% Q1FY23 0.5 , 1% Collections, 3.4 , 9% 2.0 , 6% Service Fee GM: ₹37.7 Cr 2.4 , 6% Q1FY24 Service Fee GM: ₹3

9%

versification - Cash-out to Multi-product business 0.8 , 2% Q1FY23 0.5 , 1% Collections, 3.4 , 9% 2.0 , 6% Service Fee GM: ₹37.7 Cr 2.4 , 6% Q1FY24 Service Fee GM: ₹39.3 Cr 2.4 , 6% 0.6 ,

Geographical Presence Across

1

Geographical Presence Across

2.37 L villages 6,467 Blocks FY21 FY22 FY23 Strong presence Growing opportunity 8 Spice Money – Key Business Update Customer Gross Transaction Value (INR. ‘000 Cr) Spice Money Service Fee Revenue (INR Cr) 100. 50. 0. 101 83 46 6% 7% 25.8 25.5 27.3 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 400. 300. 200. 100. 0. 341 401 190 3% 5% 103 101 106 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 Spice Money Service Fee GM (INR Cr) 150. 100. 50. 0. 145 114 65 4% 3% 37.7 38 39.3 FY21 FY22 FY23 Q1FY23 Q4FY23 Q1FY24 Continuing Growth Momentum every Quarter *All numbers are rounded off and growth percentages are calculated on absolute numbers 9 Portfolio Diversification - Cash-out to Multi-product business 0.8 , 2% Q1FY23 0.5 , 1% Collections, 3.4 , 9% 2.0 , 6% Service Fee GM: ₹37.7 Cr 2.4 , 6% Q1FY24 Service Fee GM: ₹39.3 Cr 2.4 , 6% 0.6 , 1% 0.4 , 1% Cash In/ Out, 30.9 , 82% Collections, 5.8 , 15% Cash In/Out, 27.7 , 71% Cash In/Out Collections Banking Credit Others Digital Services • At a higher gross margin the