ZAGGLENSE7 February 2025

Zaggle Prepaid Ocean Services Limited has informed the Exchange about Investor Presentation

Zaggle Prepaid Ocean Services Limited

ZAGGLE/24-25/155

February 07, 2025

To Listing Department, NATIONAL STOCK EXCHANGE OF INDIA LIMITED Exchange Plaza, Plot No C/1, G Block Bandra Kurla Complex, Bandra (East), Mumbai -400 051, Maharashtra

To The Corporate Relations Department BSE LIMITED Phiroz Jeejeebhoy Towers, 25th Floor, Dalal Street, Mumbai -400 001, Maharashtra

Company Symbol: ZAGGLE

Company Scrip Code: 543985

Dear Sir / Madam,

Sub: Investor Presentation for the quarter and nine months ended on December 31, 2024

Pursuant to the Regulation 30 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements Regulations, 2015, we enclose herewith Investors Presentation for the quarter and nine months ended on December 31, 2024.

The same content/uploads/2025/02/investor-presentation-zaggle-Q3FY25.pdf

is also being uploaded on the website of the Company viz. http://ir.zaggle.in/wp-

We request you to kindly take the same on record.

Thanking you

Yours faithfully, For Zaggle Prepaid Ocean Services Limited

Hari Priya Company Secretary and Compliance Officer

Investor Presentation

Zaggle Prepaid Ocean Services Limited

Q3 and 9MFY25

Safe harbor

This presentation and the accompanying slides (the “Presentation”), which have been prepared by Zaggle Prepaid Ocean Services Limited

(the “Company”), have been prepared 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.

From the Founder’s desk…

“This has been a milestone quarter for us with our highest ever quarterly & nine monthly performance in terms of Revenue, Adjusted EBITDA and PAT.

During Q3FY25, the company delivered a topline of INR 3,364 Mn, growing by 69% YoY basis, adjusted EBITDA of INR 315 Mn, increasing by 38% compared to Q3FY24. The Adjusted EBITDA margins stood at 9.4%. The PAT increased by 33% YoY to INR 202 Mn.

We successfully completed of our QIP of Rs. 5,950 Mn in line with our growth strategy of inorganic expansion.

With respect to strategic collaborations, we signed a 3-year partnership with the largest private bank in India, HDFC Bank, to provide the credit card solution. Additionally, we stitched a long-term referral partnership program with Mastercard, which will extend our reach in the market.

Banking on our comprehensive product portfolio, we expanded our customer base to 3,300+ and signed contracts with several major brands including Blinkit, CanFin homes, BigBasket, Mumbai Metro One, Mahindra First Choice Wheels, and Hitachi India.

For FY25, we are confident of achieving a 58-63% growth in our top line. We are also evaluating inorganic growth opportunities to expedite this growth and the discussions are at advanced stages.”

Raj P Narayanam Founder and Executive Chairman

Performance Highlights

Highest ever performance across metrices

Q3 FY25

9MFY25

₹ 3,364.4 Mn

₹ 314.6 Mn

₹ 202.4 Mn

₹ 262.1 Mn

YoY + 68.6%

YoY + 37.6%

YoY + 32.9%

YoY + 34.4%

₹ 8,912.0 Mn

₹ 865.6 Mn

₹ 555.2 Mn

₹ 720.2 Mn

YoY + 77.4%

YoY + 48.2%

YoY + 123.3%

YoY + 56.2%

Revenue from operations

Adjusted EBITDA (before ESOP)

PAT

Cash PAT

• Above performance represents standalone financials

Quarterly financial highlights

Revenue from operations (₹ Mn)

Gross Profit (₹ Mn)

68.6%

3,364

77.4%

8,912

47.1%

1,507

85.7%

4,330

1,995

5,022

1,024

2,332

Q3FY24

Q3FY25

9MFY24

9MFY25

Q3FY24

Q3FY25

9MFY24

9MFY25

Adjusted EBITDA (₹ Mn)

Reported EBITDA (₹ Mn)*

Cash PAT (₹ Mn)

48.2%

866

37.6%

315

229

584

44.4%

294

204

81.2%

786

PAT + Depreciation & Amortization + ESOP Expense

34.4%

262

56.2%

720

434

195

461

Q3FY24

Q3FY25

9MFY24

9MFY25

Q3FY24

Q3FY25

9MFY24

9MFY25

Q3FY24

Q3FY25

9MFY24

9MFY25

Reported EBITDA is after reducing the ESOP expenses • • Above performance represents standalone financials

Key operational performance indicators

Total customers catered to (number)

Aggregate users on the platform (million)

17.6%

3,337

2,837

KPIs

23.5%

3.16

2.56

9MFY24

9MFY25

9MFY24

9MFY25

Software Fees

Program fees

Propel platform revenue

Revenue Mix (₹ Mn)

+7.8%

12.8%

229

258

110.2%

3,886

61.9%

4,768

+53.5%

1,355

883

1,849

2,945

+86.5%

1,921

1,030

Q3FY24

Q3FY25

9MFY24

9MFY25

Q3FY24

Q3FY25

9MFY24

9MFY25

Q3FY24

Q3FY25

9MFY24

9MFY25

• Above performance represents standalone financials

Profit and loss statement (standalone)

Particulars (₹ Million, unless stated otherwise)

Q3FY25 Q3FY24

YoY

Q2FY25

QoQ

9MFY25

9MFY24

YoY

FY24

Q3FY25 – Key Highlights

Revenue from operations

3,364.4

1,995.1

68.6%

3,025.6

11.2%

8,912.0

5,022.3

77.4%

7,756.0

Cost of point redemption / gift cards

Consumption of cards

Gross Profit

Gross Profit Margin

Employee benefits expense

Incentive and cash back

Other Expenses

Adjusted EBITDA

Adjusted EBITDA Margin

ESOP Cost

Reported EBITDA

Reported EBITDA Margin

Other Income

Depreciation

EBIT

EBIT Margin

Finance Cost

Profit before Tax

Tax

Profit After Tax

PAT Margin

Cash PAT (PAT+DA+ESOP)

Cash PAT Margin

EPS - Basic

EPS - Diluted

1,854.0

968.0

3.9

2.9

1,617.5

1.8

4,572.2

2,682.1

9.7

8.4

3,797.2

12.3

1,506.5

1,024.1

47.1%

1,406.3

7.1%

4,330.2

2,331.8

85.7%

3,946.5

44.8%

51.3%

145.2

828.9

217.7

314.6

9.4%

20.1

294.4

8.8%

35.3

39.5

290.2

8.6%

22.5

267.6

65.3

202.4

6.0%

262.1

7.8%

1.65

1.64

86.8

562.6

146.2

228.6

11.5%

24.7

203.8

10.2%

44.7

18.1

230.4

11.6%

21.4

209.0

56.8

152.2

7.6%

195.0

9.8%

1.47

1.45

37.6%

44.4%

46.5%

150.9

789.7

170.4

295.2

9.8%

28.2

267.1

8.8%

37.4

24.4

6.5%

10.3%

25.9%

280.1

32.9%

34.4%

9.3%

22.1

257.9

72.3

185.6

6.1%

238.2

7.9%

1.51

1.50

9.0%

10.0%

48.6%

46.4%

405.6

279.9

2,515.1

1,070.3

543.9

865.6

9.7%

79.8

785.8

8.8%

117.8

85.3

818.3

9.2%

65.2

753.1

197.9

555.2

6.2%

720.2

8.1%

4.51

4.49

397.6

584.0

11.6%

150.3

433.7

8.6%

65.9

62.1

437.5

8.7%

99.3

338.2

89.6

248.6

5.0%

461.1

9.2%

2.39

2.36

48.2%

81.2%

87%

123.3%

56.2%

50.9%

363.1

2,168.3

559.5

855.7

11.0%

149.8

705.9

9.1%

112.7

83.6

735.0

9.5%

137.2

597.8

157.6

440.2

5.7%

673.6

8.7%

4.06

4.03

• Highest ever quarterly and nine month ended Revenue, Adjusted EBITDA and PAT.

•

the

topline

The YoY growth attributed to : o A 54% notable rise in program fees resulting from an expanded portfolio of prepaid and credit cards along with rise in clients spending

o Strong 87% growth platform,

in the propel revenue by increased redemptions on account of festive season

fueled

The rise in employee costs is primarily due to an expanded workforce aimed at supporting business growth

The increase in incentives, cash-back expenses, and operational expenditures aligns with the overall expansion of the business

The total ESOP expenses in FY25 are expected to be approx. INR 95-100 Mn

Quarterly revenue contribution

Sample box Q3 & Q4 are higher revenue quarters in the business

Contribution to annual revenues

Revenue from operations (₹ Mn)

16.0%

23.5%

26.7%

33.8%

15.3%

23.8%

25.7%

35.2%

3,364

3,026

2,734

2,522

1,869

1,842

1,995

1,303

1,476

1,185

886

Q1FY23

Q2FY23

Q3FY23

Q4FY23

Q1FY24

Q2FY24

Q3FY24

Q4FY24

Q1FY25

Q2FY25

Q3FY25

YoY +33.7%

YoY +41.4%

YoY +35.1%

YoY +46.3%

YoY +112.9%

YoY +64.2%

YoY +68.6%

• Above performance represents standalone financials

Qualified Institutional Placement

The company has raised a sum of INR 5,950 Mn through QIP in Dec-24

The management is thankful to all the investors for showing confidence in the company’s growth story

The proceeds from the QIP will be used for future inorganic expansion, repayment of debt and general corporate purpose

Strategic Alliances

Contract brief

Duration

Mastercard Technology

MasterCard to recommend Zaggle SaaS platform, Payment and Card Products to Corporate Customers and other ecosystem entities on a referral basis

7 Years

HDFC Bank

HDFC Credit cards bundled with Zaggle Software to be offered to corporate customers across industries

3 Years

Strada India (Strada)

Zaggle shall offer its SaaS platform, Payment and Card products to Corporate customers of Strada

Perpetual

TBO TEK Ltd.

To create Zaggle’s native SBT

2 years

Recent customers wins for growth

Contract brief

Mahindra First Choice Wheels

Zaggle would provide Mahindra First Choice Wheels, the Zaggle Propel reward platform

AGP City Gas

Zaggle Fleet Program for AGP City Gas

Blink Commerce (Blinkit)

Can Fin Homes Limited

Zaggle would provide Blink Commerce (Blinkit), the Zoyer Solution

Zaggle would provide Can Fin Homes Limited, Zaggle Zoyer Petty cash & Zaggle Save (Employee expense management & benefits) propositions.

BigBasket

Zaggle would provide BigBasket with the Zaggle Save (Expense management platform & benefits) solution

Mumbai Metro One

Zaggle would provide Mumbai Metro One, the Zaggle Propel reward platform which empowers Mumbai Metro One to create reward programs for its employees, partners and travellers

Hitachi India Private Limited

Zaggle would provide Hitachi India Private Limited, the Zaggle Propel reward platform

Duration

1 Year

5 Years

2 Years

3 Years

1 Year

What we do

1313

Zaggle: #1 Spend Management company in India

t e e l F

t n e m e g a n a M

S a e s

Corporate Spends Need

What we have built

3,300+ Corporates

3.0 Mn+ Users

( < 1.5% Churn)

50 Mn+ Cards issued

#1 Prepaid Card issuer in country

C h a n n e S a P l e a s r t n e r

SaaS

Fintech

Multilingual interface

GDPR Compliant

Products are customizable

15 Bank partners

400+ Employees

Omni-Channel offering with a combination of payment instruments, mobile application and API integrations

S a e s C o m m

i s s i o n

Revenue from operations (standalone)

Adjusted EBITDA (standalone)

Profit After Tax (standalone)

Robust Numbers

4 2 Y F

5 2 Y F M 9

Rs. 7,756.0 Mn  40.1% (YoY)

Rs. 8,912.0 Mn  77.4% (YoY)

Rs. 855.7 Mn  36.9% (YoY)

Rs. 865.6 Mn  48.1% (YoY)

Rs. 440.2 Mn  92.2% (YoY)

Rs. 555.2 Mn  123.6% (YoY)

… with strong network effect

Key Partners

Banking Partners

Network Partners

VAS Partners

Partners

Key customers

Sell software Monetize GTV

Corporates

User base

e g g a Z

l l

e s e R

d n e p S

P m

t .

n s t r u m e n t

B a n k n g

l i

c e n s e s &

m o n e t i z a

t i o n

i r

e c t

Users / deals

Software / users

Merchants

Comprehensive Monetization

Partners - Program fees

Business - SaaS fees for software

Employees/User/ SMB’s – VAS Fees (From Lending and other BFSI products)

Merchant – Merchant Commission

Note: The Brand Names and Logos mentioned are the property of their respective owners and are used here for identification purposes only

Employees /Users/ SMB’s

Omni Channel Offerings

Offering a combination of payment instruments, mobile application and API integrations

Co – Branded Cards with Banks

Zaggle App to Manage Spends

Omni Channel Offerings

Multiple Banks & network partners

Dashboard to manage reporting & analytics

Note: The Brand Names and Logos mentioned are the property of their respective owners and are used here for identification purposes only

Innovative Product Offerings

Comprehensive suite of products for a large & growing addressable market

Rewards & recognition platform

Channel rewards and incentives

Employee rewards and recognition

Employee expense management & benefits

Expense Management

Employee Reimbursements

Employee tax benefits

Embedded-finance

Integrated data-driven business spend management platform with embedded finance capabilities

Empower businesses with full control over spends through dashboard and corporates

Zaggle

Fleet Management

Fleet Payment solution for fleet owners as well as Oil Marketing Companies (OMC) / Compressed Natural Gas (CNG) providers

Live Products at the time of IPO

Continuing innovation

Zaggle International

Payments (ZIP)

Simplifying international payments with complete compliance and transparency

– Supercharging Channel Partner Performance

Key Features

Seamless Partner Onboarding

Scheme Management

Campaign Management - QR Scan & Earn, Scratch & Win

Metric-Based Incentive Computation

Lead Management

Leaderboards and Achievements

Automated Claim Management

Performance Management

Redemption

Reports and Analytics

Payments / Redemption Solutions

Revenue Streams

Prepaid Cards

Merchant Vouchers

Interchange fee share from

banks (Program Fees)

Merchant commission (Sales –

Purchase value of vouchers)

SaaS Fee

– Digitize Employee Expense, Reimbursements & Benefits – Digitize Employee Expense, Reimbursements & Benefits

Key Features

Automatic Expense Reporting

Mobile-First Experience (Intuitive App with Smart OCR)

Seamless Transaction Reconciliation against Scanned Receipts

Set Up Policies & Limits Easily

Consolidated Statement for the Admin and Individual statement For Every User

Multiple Billing Cycles To Match Corporate Expense Management Requirements

Controls at MCC, MID & Transaction Type Level Wide Acceptance

100% RBI and Income Tax Regulations Compliant Powerful Dashboard With Advanced Analytics & Reporting

Real-Time Expense Approval

100% Policy Enforcement

Payments / Redemption Solutions

Revenue Streams

Prepaid + Corporate Credit

Interchange fee share from

Cards

banks (Program Fees)

SaaS Fee

* OCR – Optical Character Recognition MID - Merchant Identification Number MCC - Merchant Category Code

– Digitized Vendor Procure-to-Pay Solutions

Key Features

Seamless Petty Cash Management Through The Mobile App & Corporate Credit/Prepaid Card

Consolidated Statement for The Admin and Individual Statement for Every User

Multiple Billing Cycles to Match Corporate Expense Management Requirements

Controls At Merchant Category Codes, Merchant Identification Number & Transaction Type Level

Automated Invoice Processing

Integrated Payables and Credit Cards

Multiple Payment Options via Zoyer Pay

Utility Payments Powered by BBPS

Real-Time Payment Alerts and Self-Service App

Seamless ERP and Accounting Integration

Payments / Redemption Solutions

Revenue Streams

Corporate Credit Cards

Interchange fee share from

banks (Program Fees)

SaaS Fee

* BBPS – Bharat Bill Pay System

Recent innovations

Intelligent Spend Analytics Platform

Newly launched analytics platform, designed to empower businesses with greater cost efficiencies. Available as part of a bundled solution offered by banks, combining corporate credit cards with cutting - edge SaaS technology

Fleet Management Managing Fleet Expenses Efficiently

Zaggle International Payments (ZIP) Simplifying Global Transactions

Fleet program offers a spend management system tailored for fleet management

ZIP ensures seamless international payments with full compliance and transparency

Full control over spends through dashboard for corporates

Dashboard & analytics for Fleet owners as well as oil marketing companies/CNG providers

Live FX Rates with Timestamps

Digital journey for employee card

Advanced Spend Controls for fleet owner

Foreign Remittance Certificate Issued

Key Features

Granular level visibility of employee card

Automated Approval Workflow

Download customize transaction reports

Self-servicing tools for corporates

Multi-currency Forex Cards for Individuals and Corporates

Segregate business and personal forex

spends

Seasoned management team and board (1/2)

Dr. Raj P Narayanam Founder and Executive Chairman

Avinash Ramesh Godkhindi Managing Director and CEO

Leadership

•

Founded Zaggle in 2011 with a vision to simplify corporate spends

• Honorary Doctorate Degree (D. Litt) by Chitkara University,

Punjab

• Completed post-graduate diploma in business management

with specialization in finance from the FORE School of Management - New Delhi

• He has experience in the technology and fintech industry. He has made varying levels of investments in certain companies at different points in time. Has served on the board of the company since 2012

Board of Directors

Aravamudan Krishna Kumar

Independent Director

• Non-Executive Chairman at UCO Bank • He retired in 2014 from State Bank of India as MD • Holds a bachelor’s degree in arts and economics (honors

course) from the University of Delhi

• Certified associate of the Indian Institute of Bankers • Directorships: MTAR Technologies, TVS Wealth, Sathguru

Catalyser

•

Leading Zaggle’s growth ; Served on the board of the company since 2012

• Holds a bachelor’s degree in engineering from Bangalore University,

Bengaluru, and MBA from the University of Chicago, Chicago

• Has served on the board of the company since 2012 • Awarded the “Inspiring CEO” award by the Economic Times in 2022 • He has experience in the banking industry Prior to joining Zaggle,

Avinash worked with Citibank in India

Virat Sunil Diwanji Non – Executive, Non – Independent Director

• 30+ years of experience in building, managing and growing Retail

•

Consumer Businesses cutting across Liabilities and Assets; Successfully managed JVs with international partners (Ford Credit International) and executed the merger of mid-size bank – ING Vysya Served as Non-Executive Director, for over 9 years, on Board of Kotak General Insurance Limited from its inception stage

• Prior to joining Kotak Group, he has worked with management consultancy division of A. F. Ferguson & Co for 6 years handling assignments cutting across Private and Public sector enterprises in India and UAE

Seasoned management team and board (2/2)

Board of Directors

Abhay Deshpande Raosaheb Independent Director

• 20+ years of experience in Financial banking • PhD Economics and engineering from the Dr. Babasaheb Ambedkar Marathwada University, Aurangabad, Maharashtra

• Directorships: Rapidue Technologies,

• Co-founder of Markjack which he exited post

Payswiff Technologies, Recykal Foundation, Anubhuti Welfare Foundation, Sarvah Incubation Foundation, Musika Solutions Private Limited, Apr Reality Llp

sale to Capillary

Prerna Tandon

Independent Director

• Holds a master’s degree in business administration from

•

the Panjab University, Chandigarh She worked as the Vice President – operations at Infosys BPO Limited & Vice President – productivity & digitization leader at Genpact India

Arun Vijaykumar Gupta Independent Director

• Holds a bachelor’s degree in commerce from the P.D. Lion’s College of

Commerce and Economics, University of Bombay

• Directorships: Route Mobile, Absolute Sports Private Limited

Aditya Kumar Chief Financial Officer

Key Managerial Personnel

Hari Priya

Company Secretary & Compliance Officer

• Member of The Institute of Chartered Accountants of India, New

• Member of the Institute of Company Secretaries of India, New Delhi and

Delhi

• He has experience in the financial services industry • Prior to joining Zaggle, he worked at Spandana Sphoorty Financial

Limited as Vice President Investor Relations-Finance

bachelor’s degree in law from Osmania University,

• Prior to joining Zaggle, she worked at Spandana Sphoorty, Gayatri Projects

and Axis Clinicals

Zaggle in a nutshell

Seasoned management team and board

Seasoned

team

Multi-product strategy

SaaS based platform with a comprehensive product stack

Revenues from operations in 9M’25 have grown y-o-y at 77.4% with a corresponding growth in Reported EBITDA margin y-o-y of 81.2% over the same period

Customer churn rate is less than 1.5%

Robust financial metrics

Consistent customer Retention

Technology and network

In-house technology with strong network effect

Large addressable market

Overall estimated market revenue (2027) for Payments in India : ₹ 1750+ Bn *

Customer acquisition costs of less than 5% of total revenue

Low CAC and retention costs

Ecosystem- based approach

Business model with diverse sources of revenue across SaaS and fintech

Note: FY: Financial Year

*Source : Frost & Sullivan Report

Historical financials

2525

Historical financial and operating metrics

Corporate customers

Aggregate users (1) (Mn)

Revenue from operations (₹ Mn)

3,016

2,411

2.73

2.27

1,753

1,092

1.72

0.90

7,756.0

5,534.6

3,712.6

2,399.7

FY2021

FY2022

FY2023

FY2024

FY2021

FY2022

FY2023

FY2024

FY2021

FY2022

FY2023

FY2024

Adjusted EBITDA & EBITDA margin(₹ Mn)

Reported EBITDA* & EBITDA margin (₹ Mn)

Cash PAT & Cash PAT margin (₹ Mn)

CAGR: 45.88%

CAGR: 36.85%

CAGR: 46.61%

856.0

706

674

599

625

599

481

440

435

276

16.12%

11.51%

11.29%

11.0%

276

11.51%

16.12%

214

11.86%

8.69%

9.10%

8.91%

7.86%

8.68%

FY2021

FY2022

FY2023

FY2024

FY2021

FY2022

FY2023

FY2024

FY2021

FY2022

FY2023

FY2024

Note: (1) Total number of users (Employees, channel partners, and customers of Customers) served by the company, FY: As of and for the year ended March 31 * Reported EBITDA –after ESOP expense ₹144.13 in FY23 and ₹150.3 in 9MFY24 Above performance represents standalone financials

Historical profit and loss statement (standalone)

Particulars (₹ Million, unless stated otherwise)

Revenue from operations

Gross Profit

Gross Profit Margin

Employee benefits expense

Incentive and cash back

Other Expenses

Adjusted EBITDA

Adjusted EBITDA Margin

ESOP Cost

Reported EBITDA

Reported EBITDA Margin

Other Income

Depreciation

EBIT

EBIT Margin

Finance Cost

Profit before Tax

Tax

Profit After Tax

PAT Margin

Cash PAT (PAT+DA+ESOP)

EPS - Basic (₹)

EPS – Diluted (₹)

FY24

7,756.0

3,946.5

50.9%

363.1

2,168.3

559.5

855.7

11.0%

149.8

705.9

9.1%

112.7

83.6

735.0

9.5%

137.2

597.8

157.6

440.2

5.7%

673.6

4.06

4.03

FY23

5,534.6

2,328.3

42.0%

291.7

1,002.0

409.5

625.0

11.2%

144.1

480.9

8.6%

11.1

61.9

430.1

7.7%

113.7

316.3

87.3

229.0

4.1%

435.1

2.48

2.46

FY22

3,712.5

2,259.6

60.8%

154.3

1,176.4

330.4

598.5

16.1%

598.5

16.1%

4.0

20.9

581.6

15.6%

69.8

511.7

92.5

419.2

11.2%

440.1

4.57

FY21

2,399.6

2,087.8

87.0%

124.6

1,380.3

306.6

276.2

11.5%

276.2

11.5%

3.2

20.4

259.0

10.8%

77.1

181.9

(11.3)

193.3

8.0%

213.7

2.11

The Parent Company had incorporated a wholly owned subsidiary, Zaggle Technologies Limited (“ZTL”), a private Company in the UK in Jan-23, as a subscriber to the memorandum. ZTL had not commenced any business, operations or activities. In Aug-23, the board decided to strike off ZTL’s name off the register in compliance with applicable provisions of the UK laws. Hence, all numbers presented are on standalone basis

Historical balance sheet (standalone)

Particulars

FY24

FY23

FY22

FY21

ASSETS

Non-current assets

Property, plant and equipment

Right-of-use assets

Intangible assets Intangible asset under development Financial assets

(i) Investments

(ii) Other financial assets

Other non-current assets

Income-tax assets (net)

Deferred tax assets (net)

25.32

119.10

81.56

498.63

259.83

46.12

11.00

27.60

27.22

Total non-current assets

1,096.38

23.48

196.73

68.90

108.68

4.85

14.69

29.77

119.01

23.1

589.21

19.77

55.15

44.29

15.00

7.3

21.38

123.59

24.59

311.07

9.51

36.75

26.97

4.13

74.70

106.88

258.94

Current assets

Inventories

Financial assets

(i) Investments

(ii) Trade receivables

(iii) Cash and cash equivalents

(iv) Bank balances other than (iii) above

(iv) Other financial assets

(v) Other financial assets

Other current assets

Total current assets

Total assets

3.58

0.97

1.12

2.69

5.20

1,746.21

79.40

2,713.67

30.40

1,286.52

5,864.98

6,961.36

12.32

1026.59

195.89

429.51

7.11

226.81

27.89

30.07

29.00

5.00

1.15

491.39

1,758.38

2,347.59

148.72

615.46

926.53

99.47

361.86

620.8

Particulars

FY24

FY23

FY22

FY21

EQUITY AND LIABILITIES

Equity Equity share capital

Other equity

Total equity Liabilities

Non-current liabilities Financial liabilities

(i) Borrowings

(ii) Lease liabilities

Provisions

Total non-current liabilities

Current liabilities Financial liabilities

(i) Borrowings

(ia) Lease liabilities

(ii) Trade payables - Total outstanding dues of micro and small enterprises - Total outstanding dues of creditors other than micro and small enterprises (iii) Other financial liabilities Provisions

Other current liabilities

Current tax liabilities (net)

Total current liabilities

Total liabilities

Total equity and liabilities

122.49

5,631.33

5,753.82

154.73

87.57

16.40 258.70

581.29

42.68

92.22

395.29

487.51

513.29

158.65

11.43

683.37

697.44

44.10

1.80

-37.38

-35.58

483.27

51.04

7.22

541.53

161.45

7.35

1.80

-457.31

-455.51

376.92

31.89

5.66

414.47

313.92

7.85

6.53

9.63

7.77

0.08

13.10

21.11

0.95

281.77

1.41

948.84

1,207.54

6,961.36

82.56

99.58

190.96

23.7

0.22

294.96

47.80

1,176.71

1,860.08

2,347.59

0.14

144.29

420.58

962.11

926.53

0.11

148.92

661.84

1,076.31

620.8

Annexure

2929

Key awards, accreditations and recognitions

FINIXX 2024 - Best use of Customer Loyalty Program & Best use of Print Ad

Telangana Best Employer Brand Awards 2024

Transformation Tech Award” at Deloitte Technology Fast 50, 2024 INDIA

International Startup Festival: Lifetime Achievement Award to Dr. Raj P Narayanam, 2024

BW Businessworld Festival of Fintech Conclave Awards: Fintech Leader of the Year, 2024

Govt of Telangana: Recognized Pride of Telangana, 2024

BW Businessworld Festival of Fintech Conclave Awards: Fintech Brand of the Year, 2024

Best Digital Expense Management Platform (India) 2024 by CFI.co - Capital Finance International

11th Payments Industry Awards: Best Spend Management System Provider, 2024

5.76

11th Payments Industry Awards: Best Card Initiative for Zaggle ZatiX Provider, 2024

Top 50 Indian Digital Finance Influencers 2024: Promoter Raj Narayanam was awarded for his visionary contributions persistently guide the FinTech revolution in India.

Global Banking & Finance Award: Excellence in Innovation Business Spend Management Software India 2023

10th Payments Industry Awards: Best B2B Payment Solution Provider, 2023

BW Businessworld Festival of Fintech Conclave Awards: Winner – Best Payments Solutions of the Year, 2023

Thank you

Company

Zaggle Prepaid Ocean Services Limited

CIN: L65999TG2011PLC074795 Hari Priya, Company Secretary & Compliance Officer Email id: Investor.Relations@zaggle.in

Investor Relations Advisor

Strategic Growth Advisors Pvt Ltd.

CIN: U74140MH2010PTC204285 Shikha Puri / Riddhish Bhayani Email id: shikha.puri@sgapl.net / riddhish.bhayani@sgapl.net Tel No: +91 9819282743 / +91 9029319564

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