DiGiSPICE Technologies Limited

rs,

Date: 8th November, 2023 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400 001 Scrip Code: 517214 National Stock Exchange of India Limited Excha

1.3 Million

ng on Financial Service Adhikaris to drive deeper engagement on ground currently with a network of 1.3 Million Adhikaris having presence in 2.4 Lakh villages and ~6500 blocks • Robust Financial performance by

2.4 Lakh

e deeper engagement on ground currently with a network of 1.3 Million Adhikaris having presence in 2.4 Lakh villages and ~6500 blocks • Robust Financial performance by delivering higher GM and EBIT by 7% an

7%

Lakh villages and ~6500 blocks • Robust Financial performance by delivering higher GM and EBIT by 7% and > 100% respectively • Continue to grow other financial service products by Portfolio Diversifi

100%

lages and ~6500 blocks • Robust Financial performance by delivering higher GM and EBIT by 7% and > 100% respectively • Continue to grow other financial service products by Portfolio Diversification with

11%

ion Value (INR. ‘000 Cr) Spice Money Service Fee Revenue (INR Cr) 100. 50. 0. 101 83 46 54 11% (1)% 24 27 27 FY21 FY22 FY23 H1FY24 Q2FY23 Q1FY24 Q2FY24 400. 300. 200. 100. 194 0.

9%

27 27 FY21 FY22 FY23 H1FY24 Q2FY23 Q1FY24 Q2FY24 400. 300. 200. 100. 194 0. 401 349 9% 2% 217 101 108 110 FY21 FY22 FY23 H1 FY24 Q2FY23 Q1FY24 Q2FY24 Spice Money Service Fee GM

2%

27 FY21 FY22 FY23 H1FY24 Q2FY23 Q1FY24 Q2FY24 400. 300. 200. 100. 194 0. 401 349 9% 2% 217 101 108 110 FY21 FY22 FY23 H1 FY24 Q2FY23 Q1FY24 Q2FY24 Spice Money Service Fee GM (IN

19%

4 Q2FY23 Q1FY24 Q2FY24 Spice Money Service Fee GM (INR Cr) 150. 100. 50. 0. 154 122 70 85 19% 7% 37 41 44 FY21 FY22 FY23 H1 FY24 Q2FY23 Q1FY24 Q2FY24 Continuing Growth Momentum every Q

rs 7

every Quarter *All numbers are rounded off and growth percentages are calculated on absolute numbers 7 Portfolio Diversification - Cash-out to Multi-product business Q2FY23 2.45, 7% 0.48, 1% -0.66, -

1%

numbers 7 Portfolio Diversification - Cash-out to Multi-product business Q2FY23 2.45, 7% 0.48, 1% -0.66, -2% 2.02, 6% 2.60, 7% Q2FY24 5.81, 13% 0.61, 1% 0.66, 2% -0.81, -2% 2.31, 5% 3.15, 7

6%

Diversification - Cash-out to Multi-product business Q2FY23 2.45, 7% 0.48, 1% -0.66, -2% 2.02, 6% 2.60, 7% Q2FY24 5.81, 13% 0.61, 1% 0.66, 2% -0.81, -2% 2.31, 5% 3.15, 7% 1.67, 4% 29.79, 81

“Focus on target districts (high AePS potential where Spice Money market share is lower than national average) Strengthening distribution base 9 Spice Money – Key Services Update- Collections CMS GTV (INR.”

Service Fee GM

2

Geographical Presence Across

1

Geographical Presence Across

2.39 L villages 6,469 Blocks FY20 FY21 FY22 FY23 H1 FY24 Strong presence Growing opportunity 6 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 54 11% (1)% 24 27 27 FY21 FY22 FY23 H1FY24 Q2FY23 Q1FY24 Q2FY24 400. 300. 200. 100. 194 0. 401 349 9% 2% 217 101 108 110 FY21 FY22 FY23 H1 FY24 Q2FY23 Q1FY24 Q2FY24 Spice Money Service Fee GM (INR Cr) 150. 100. 50. 0. 154 122 70 85 19% 7% 37 41 44 FY21 FY22 FY23 H1 FY24 Q2FY23 Q1FY24 Q2FY24 Continuing Growth Momentum every Quarter *All numbers are rounded off and growth percentages are calculated on absolute numbers 7 Portfolio Diversification - Cash-out to Multi-product business Q2FY23 2.45, 7% 0.48, 1% -0.66, -2% 2.02, 6% 2.60, 7% Q2FY24 5.81, 13% 0.61, 1% 0.66, 2% -0.81, -2% 2.31, 5% 3.15, 7% 1.67, 4% 29.79, 81%

Service Fee GM

₹44 Crs. • At a higher gross margin the Cash in/out contribution has reduced from 81% to 69%. • Collections GM has increased from 2.5 Cr in Q2 FY23 to 5.8 Cr in Q2 FY24 and is now contributing 13% to the overall GM. • Credit GM Contribution is 2% to the overall GM and is expected to significantly increase with the full-fledged go-live of Grahak Marketplace. • Banking is now contributing 1% of the GM and is expected to grow with addition of other savings products. *All numbers are rounded off and growth percentages are calculated on absolute numbers 8 Spice Money – Key Services Update- AEPS AePS GTV (INR. ‘000 Cr) AePS Market share 57 49 31 28.5 1% (3)% 13.9 14.5 14.0 60 50 40 30 20 10 0 400 300 200 100 - 13.7% 31 195 11.8% 14 104 16.4% 49 17.2% 57 251 276 17.4% 29 135 20.0% 15.0% 10.0% 5.0% FY20 FY21 FY22 FY23 H1 FY24 FY21 FY22 FY23 H1 FY24 Q2FY23 Q1FY24 Q2FY24 Industry GTV INR'000 Cr Spice Money GTV INR'000 Cr Market Share % *AePS OFF-US value market share AePS- Consolidating OFF – US