AvenuesAI Limited

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May 26, 2025 BSE Limited Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400 001 National Stock Exchange of India Limited Exchange Plaza, B

INR 700 crore

ments  To accelerate our ambitious growth plans, our Board has approved right issue not exceeding INR 700 crore to fund strategic initiatives across digital payments (RediffPay), AI-led infrastructure (Infibea

1.2 million

ch device—driving rapid merchant adoption across Tier 2 & 3 cities and expanding our base to over 1.2 million.  Introduced TapPay—turning any Android phone into a contactless card terminal—empowering micro-e

INR 2.42

At A Glance Profitable Growth and Healthy Returns Business Performance 10+ mn No. of merchants INR 2.42 tn + 7% YoY TPV 1 10.6 bps + 16% YoY Payments NTR Financial Performance # (INR million) Margin

7%

rofitable Growth and Healthy Returns Business Performance 10+ mn No. of merchants INR 2.42 tn + 7% YoY TPV 1 10.6 bps + 16% YoY Payments NTR Financial Performance # (INR million) Margin Profile

10.6 bps

h and Healthy Returns Business Performance 10+ mn No. of merchants INR 2.42 tn + 7% YoY TPV 1 10.6 bps + 16% YoY Payments NTR Financial Performance # (INR million) Margin Profile # 11,605 * + 62% Yo

16%

hy Returns Business Performance 10+ mn No. of merchants INR 2.42 tn + 7% YoY TPV 1 10.6 bps + 16% YoY Payments NTR Financial Performance # (INR million) Margin Profile # 11,605 * + 62% YoY Gro

62%

.6 bps + 16% YoY Payments NTR Financial Performance # (INR million) Margin Profile # 11,605 * + 62% YoY Gross Revenue INR 1,351 mn + 28% YoY Net Revenue 2 779 + 25% YoY EBITDA 3 503 + 53% YoY

INR 1,351

s NTR Financial Performance # (INR million) Margin Profile # 11,605 * + 62% YoY Gross Revenue INR 1,351 mn + 28% YoY Net Revenue 2 779 + 25% YoY EBITDA 3 503 + 53% YoY PAT 3 58% 4 37% 4 EBITDA mar

28%

l Performance # (INR million) Margin Profile # 11,605 * + 62% YoY Gross Revenue INR 1,351 mn + 28% YoY Net Revenue 2 779 + 25% YoY EBITDA 3 503 + 53% YoY PAT 3 58% 4 37% 4 EBITDA margin 4 P

25%

Margin Profile # 11,605 * + 62% YoY Gross Revenue INR 1,351 mn + 28% YoY Net Revenue 2 779 + 25% YoY EBITDA 3 503 + 53% YoY PAT 3 58% 4 37% 4 EBITDA margin 4 PAT margin 4 1 Total TPV from;

53%

* + 62% YoY Gross Revenue INR 1,351 mn + 28% YoY Net Revenue 2 779 + 25% YoY EBITDA 3 503 + 53% YoY PAT 3 58% 4 37% 4 EBITDA margin 4 PAT margin 4 1 Total TPV from; CCAvenue (India + Intern

“5 FY25 At A Glance Key Strategic Business Developments  Introduced Infibeam Quantum Edge – a distributed, AI-optimized data center infrastructure designed to power the next generation of agentic AI.”

“6 Q4 FY25 Performance At A Glance Profitable Growth and Healthy Returns Business Performance 10+ mn No.”

“# Figures are restated to take into account the impact of Scheme of Arrangement 7 FY25 Performance At A Glance Profitable Growth and Healthy Returns Business Performance 10+ mn No.”

“# Figures are restated to take into account the impact of Scheme of Arrangement 8 Financial Performance Snapshot – Q4 FY25 Growth Across All Key Parameters Q4FY25 v/s.”

“# Figures are restated to take into account the impact of Scheme of Arrangement Profitable revenue growth with high operating and profitability margins 9 Financial Performance Snapshot – FY25 Growth Across All Key Parameters FY25 v/s.”

“daily merchant addition in Q4 FY25 >AED 15 billion CCAvenue International 16% FY25 annualized TPV run-rate FY25 YoY TPV growth Among the top payment cos.”

“in the UAE 39% 36% 40% 36% 35% 34% • 79% contribution from MDR based payment options 49% 46% 5% 8% 46% 47% 63% 4% 34% 9% 52% 19% 14% 20% 20% 21% 45% 46% 44% 45% 45% FY21 FY22 FY23 FY24 FY25 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 CC UPI Others # # Others largely include debit options like Net Banking, Debit Card, NEFT-RTGS, etc.”

“FY20 FY21 FY22 FY23 FY24 FY25 Value (INR bn) Volume (mn) Bill Payments Industry 10,137 217 146 430 276 1,140 668 1,907 1,097 3,070 1,387 2,541 FY20 FY21 FY22 FY23 FY24 FY25 Value (INR bn) Volume (mn) 24 Go Payments (majority owned subsidiary) Empowering unbanked to access digital financial services  ‘Instant Global Paytech Pvt.”

“Ltd.’, operating through the brand ‘Go Payments’ to provide assisted commerce services  Launched payment issuance infrastructure for Banks in FY23  Target customers: B2B; Corporates, MSMEs, Govt.”

“5,430 4,037 Infibeam Avenues began here – GeM 1.0 went Live on 26 Jan 2018 4 62 386 2,010 1,060 FY17 FY18 FY21 FY22 FY23 FY24 FY25 Other Software and Infrastructure services Tier III storage and compute data center with blockchain capability at GIFT City 30 ANNEXURE”

Pioneering a New Era

3

Pioneering a New Era

India’s First Listed Fintech Company Exceeding Outlined Guidance – FY25 Well-poised for Future Growth Particulars (INR Million) FY25 Guidance FY25 Actual Gross Revenue 39,000 - 42,000 39,926 Net Revenue 4,500 – 5,000 EBITDA 1 2,750 – 3,000 PAT 1 1,750 – 2,000 5,258 3,121 2,095 1 excluding any one-time and mark-to-market gain/loss 4 FY25 At A Glance Key Strategic Business Developments  To accelerate our ambitious growth plans, our Board has approved right issue not exceeding INR 700 crore to fund strategic initiatives across digital payments (RediffPay), AI-led infrastructure (Infibeam Quantum Edge), and global expansion—while ensuring inclusive value creation for our shareholders.  Unveiled a vibrant new brand identity and logo that reflects our vision to lead in fintech, AI, and digital infrastructure, while reaffirming our "India First" commitment through innovation, agility, and home-grown digital excellence.  To launch RediffPay as a licensed UPI TPAP via Rediff.com, marking our

Pioneering a New Era

India’s First Listed Fintech Company About Infibeam Avenues Click to watch video A Payment Infrastructure and eCommerce Software Platforms Company Rajat we have to add about Rediff and AI –Phonetic in the corporate presentation. You work on this and we two will discuss while Sunil fills the numbers 14 Infibeam Avenues Business At a Glance • India’s First listed fintech company (listed in 2016) with a consistent PROFITABLE track record • A Payment Infrastructure company; Offering omni-channel and full-stack B2B Digital Payments solutions (Payments), enterprise eCommerce Software Platforms (Platforms) and Lending Solutions (Finance); with two decades experience • PAN India Presence (among the top three) with global footprint; expanded to i) Middle East in Jun’18 (became second largest non- bank private player in UAE in 18 mts). • India’s digital payments market share - ~8%*; Annualized TPV run- rate of INR 10.0 trillion • Part of MSCI and FTSE small cap indices • Marquee customers across

Pioneering a New Era

India’s First Listed Fintech Company Revenue and Cost Drivers Building a scalable business model Payment Gateway Bill Payments eComm. platform Businesses Revenue model Revenue drivers • CCAvenue (India + Intl.) • CCAvenue TAPPay (SoftPoS) • ResAvenue • B2Biz • CPGS (Payment Infra for banks) • Transaction based oPercentage oFlat-fee • TPV growth • Volume growth • Take rates charged to merchants • Intl. growth • Business from partners • Industry mix • Payment mix • BillAvenue • Marketplace for Enterprise • Transaction based oFlat-fee • No of billers • Biller categories • Consumer using BBPS channels for bill payment • Agent institution network • License fee • Maintenance fee • Development charges • Number of large enterprises • Renewal Direct Cost drivers • Bank TDR • Partner charges • Commission rates • Na 32 PAYMENTS | PLATFORMS PAYMENTS | PLATFORMSR Thank You Investor Relations To know more, visit us at: Sunil Bhagat sunil.bhagat@ia.ooo Rajat Gupta rajat@goindiaadvisors.com To know mo