One Mobikwik Systems Limited

13.9%

ics Operational Metrics Financial Metrics Rankings 172 Mn Registered User Base 31 Dec 2024 +13.9% YoY INR 294.5 Bn Payment GMV Q3FY25 +206.0% YoY 4.5 Mn Merchants 31 Dec 2024 +16.2% YoY INR

INR 294.5

ional Metrics Financial Metrics Rankings 172 Mn Registered User Base 31 Dec 2024 +13.9% YoY INR 294.5 Bn Payment GMV Q3FY25 +206.0% YoY 4.5 Mn Merchants 31 Dec 2024 +16.2% YoY INR 7.0 Bn Digital

206.0%

Rankings 172 Mn Registered User Base 31 Dec 2024 +13.9% YoY INR 294.5 Bn Payment GMV Q3FY25 +206.0% YoY 4.5 Mn Merchants 31 Dec 2024 +16.2% YoY INR 7.0 Bn Digital Credit GMV Q3FY25 (70.7)% YoY

16.2%

ec 2024 +13.9% YoY INR 294.5 Bn Payment GMV Q3FY25 +206.0% YoY 4.5 Mn Merchants 31 Dec 2024 +16.2% YoY INR 7.0 Bn Digital Credit GMV Q3FY25 (70.7)% YoY (In-line with Macro Environment) 5 Mn User

INR 7.0

3.9% YoY INR 294.5 Bn Payment GMV Q3FY25 +206.0% YoY 4.5 Mn Merchants 31 Dec 2024 +16.2% YoY INR 7.0 Bn Digital Credit GMV Q3FY25 (70.7)% YoY (In-line with Macro Environment) 5 Mn Users 110 K Merch

rs 110

% YoY INR 7.0 Bn Digital Credit GMV Q3FY25 (70.7)% YoY (In-line with Macro Environment) 5 Mn Users 110 K Merchants Newly added in Q3FY25 0.67% Payment Take Rate Q3FY25 Stable 2,745 | 2,314 Total In

0.67%

(70.7)% YoY (In-line with Macro Environment) 5 Mn Users 110 K Merchants Newly added in Q3FY25 0.67% Payment Take Rate Q3FY25 Stable 2,745 | 2,314 Total Income (INR Mn) Q3FY25 | Q3FY24 26.6% | 37

26.6%

Y25 0.67% Payment Take Rate Q3FY25 Stable 2,745 | 2,314 Total Income (INR Mn) Q3FY25 | Q3FY24 26.6% | 37.7% Contribution Margin(1) Q3FY25 | Q3FY24 (15.5)% | 4.7% EBITDA Margin(1) Q3FY25 | Q3FY24

37.7%

7% Payment Take Rate Q3FY25 Stable 2,745 | 2,314 Total Income (INR Mn) Q3FY25 | Q3FY24 26.6% | 37.7% Contribution Margin(1) Q3FY25 | Q3FY24 (15.5)% | 4.7% EBITDA Margin(1) Q3FY25 | Q3FY24 Higher s

4.7%

Income (INR Mn) Q3FY25 | Q3FY24 26.6% | 37.7% Contribution Margin(1) Q3FY25 | Q3FY24 (15.5)% | 4.7% EBITDA Margin(1) Q3FY25 | Q3FY24 Higher share of Payments Business in total income in Q3FY25 #1

47.7%

ion Margin (%) (INR Mn) EBITDA (%) (INR Mn) FY o FY 9M o 9M FY o FY 9M o 9M FY o FY 9M o 9M 47.7% 9,140 8,903 CM(2) (%) 31.2% 37.3% 37.7% 32.6% EBITDA (2) (%) (10.0)% 4.2% 5.1% (3.7)

31.2%

) (INR Mn) FY o FY 9M o 9M FY o FY 9M o 9M FY o FY 9M o 9M 47.7% 9,140 8,903 CM(2) (%) 31.2% 37.3% 37.7% 32.6% EBITDA (2) (%) (10.0)% 4.2% 5.1% (3.7)% 3,317 2,980 2,331 372 31

Consistent and strong growth across metrics

1

Consistent and strong growth across metrics

YoY QoQ 16.2% 4.51 4.51 4.40 3.88 Dec23 Dec24 Sep24 Dec24 • • • • • • User base at 172 Mn – 5 Mn new users onboarded during Q3FY25 Merchant base at 4.5 Mn – 110 K new merchants added in Q3FY25 Payment GMV – 3.1x YoY in Q3FY25 Payment Revenue – 2.7x YoY in Q3FY25 Industry leading Payments Gross margin at 18.9% (Payments Revenue less Payment Gateway and User Incentive expenses) Higher YoY gross margin driven by an improved take rate and optimized direct costs for the payment gateway and user incentives. PRIVATE & CONFIDENTIAL 5 Sectoral headwinds in unsecured lending has impacted distribution business Credit product distribution has been lower… …impacting Financial Services Revenue .. with higher Lending Related Expenses Digital Credit GMV (Distribution) (INR Bn) Revenue from Financial Services and GM (%) (INR Mn) Lending Related Expenses (%) (INR Mn) 24 16 8 YoY QoQ YoY QoQ YoY QoQ Financial Services GM(1) (%) 48.8% 10.1% 48.0% 10.1% Lending Related Exp(1) (%) 3.3% 9.3% 4.1% 9.3% 1,550