One Mobikwik Systems Limited

13.2%

s Operational Metrics Financial Metrics Rankings 176.4 Mn Registered User Base 31 Mar 2025 +13.2% YoY INR 1,158.7 Bn Payments GMV FY25 +203.4% YoY 4.6 Mn Merchants 31 Mar 2025 +13.1% YoY INR

INR 1,158.7

nal Metrics Financial Metrics Rankings 176.4 Mn Registered User Base 31 Mar 2025 +13.2% YoY INR 1,158.7 Bn Payments GMV FY25 +203.4% YoY 4.6 Mn Merchants 31 Mar 2025 +13.1% YoY INR 53.6 Bn Digital

203.4%

nkings 176.4 Mn Registered User Base 31 Mar 2025 +13.2% YoY INR 1,158.7 Bn Payments GMV FY25 +203.4% YoY 4.6 Mn Merchants 31 Mar 2025 +13.1% YoY INR 53.6 Bn Digital Credit GMV FY25 (41.1)% YoY

13.1%

r 2025 +13.2% YoY INR 1,158.7 Bn Payments GMV FY25 +203.4% YoY 4.6 Mn Merchants 31 Mar 2025 +13.1% YoY INR 53.6 Bn Digital Credit GMV FY25 (41.1)% YoY 11,924.9 | 8,903.2 30.3% | 37.3% Total In

INR 53.6

.2% YoY INR 1,158.7 Bn Payments GMV FY25 +203.4% YoY 4.6 Mn Merchants 31 Mar 2025 +13.1% YoY INR 53.6 Bn Digital Credit GMV FY25 (41.1)% YoY 11,924.9 | 8,903.2 30.3% | 37.3% Total Income (INR Mn) F

30.3%

nts 31 Mar 2025 +13.1% YoY INR 53.6 Bn Digital Credit GMV FY25 (41.1)% YoY 11,924.9 | 8,903.2 30.3% | 37.3% Total Income (INR Mn) FY25 | FY24 +33.9% YoY Growth Contribution Margin(1) FY25 | FY24

37.3%

ar 2025 +13.1% YoY INR 53.6 Bn Digital Credit GMV FY25 (41.1)% YoY 11,924.9 | 8,903.2 30.3% | 37.3% Total Income (INR Mn) FY25 | FY24 +33.9% YoY Growth Contribution Margin(1) FY25 | FY24 20.6 Mn

33.9%

redit GMV FY25 (41.1)% YoY 11,924.9 | 8,903.2 30.3% | 37.3% Total Income (INR Mn) FY25 | FY24 +33.9% YoY Growth Contribution Margin(1) FY25 | FY24 20.6 Mn Users 530 K Merchants Newly added in FY25

rs 530

otal Income (INR Mn) FY25 | FY24 +33.9% YoY Growth Contribution Margin(1) FY25 | FY24 20.6 Mn Users 530 K Merchants Newly added in FY25 0.66% Payment Take Rate FY25 Stable (6.7)% | 4.2% EBITDA Margin

0.66%

oY Growth Contribution Margin(1) FY25 | FY24 20.6 Mn Users 530 K Merchants Newly added in FY25 0.66% Payment Take Rate FY25 Stable (6.7)% | 4.2% EBITDA Margin(1) FY25 | FY24 #1 Wallet(2) #6 Bill

4.2%

0.6 Mn Users 530 K Merchants Newly added in FY25 0.66% Payment Take Rate FY25 Stable (6.7)% | 4.2% EBITDA Margin(1) FY25 | FY24 #1 Wallet(2) #6 Bill Payments(3) #16 UPI App(3) 1) As a (%) of T

INR 1 Lakh Crore

l Figures Refer to FY24–25 PRIVATE & CONFIDENTIAL 9 FY25 Payments GMV All-time High - Surpasses INR 1 Lakh Crore Payments GMV (INR Bn)(1) Registered Users (Mn)(1) Merchants (Mn)(1) 203% 1,159 13% 176 13%

Direct Cost

1

Fixed Cost

1

Redefining UPI for Bharat

1

Key Products

1

Direct Cost

• • Increased in proportion to revenue growth Payments CM stable – lending impacted due to macro and accounting changes

Fixed Cost

• • Investment in new areas continued However, 5.4% QoQ reduction in Fixed Costs driven in Q4FY25 3,616 223 1,512 1,881 (4,410) Payment Services Financial Services Others Payment Services Financial Services All Figures Refer to FY24–25 (794) PRIVATE & CONFIDENTIAL 15 Consistently Achieving Record-High GMV in Recent Quarters Payments GMV (INR Bn)(1) Registered Users (Mn) )(1) 331 294 172 176 Q3FY25 Q4FY25 Q3FY25 Q4FY25 Exponential growth in Payments spends… • Payments GMV – 129% YoY in Q4FY25 • 12.3% QoQ growth in GMV ..driven by significant growth in the Registered User base • User base at 176 Mn – 4.45 Mn new users onboarded during Q4FY25 • Merchant base at 4.59 Mn – 76K new merchants added in Q4FY25 1) All Figures Refer to FY24–25 PRIVATE & CONFIDENTIAL 17 Record High Payments GMV with Best-in-Class Gross Margin of 23.9% Payments Revenue (INR Mn) & Gross Margin (% )(1) Unit Economics of Payments Business (bps) )(2) Gross Margin(1) (%) 18.9% 23.9% Particulars (in bps) Q3FY25 Q4FY25 1,

Redefining UPI for Bharat

“The Smarter Way to UPI” • • • • • No Bank Account linking needed Reduced financial exposure Clutter-free Bank statements PIN-less & Instant payments Plan monthly budgets smartly Powerful Combination = Largest Wallet (MobiKwik) x Largest Merchant network (UPI) Potential for generating revenue in future through PPI on UPI MDR Marketing campaign featuring Jaideep Ahlawat as campaign ambassador 26 PRIVATE & CONFIDENTIAL Driving UPI growth through First Card Newly launched FD backed Rupay Credit Card • Widely accepted on UPI Network • Only revenue generating product on UPI today Drives financial inclusion • First Credit Card for every Indian • Builds credit score for ‘New to Credit’ users Engaging users at scale • Cater to large user base for daily spends, • Become the hero small ticket product replacing Zip PRIVATE & CONFIDENTIAL 27 Newly Licensed is ready to go Safe, innovative and compliant B2B payment products to power fast-growing internet startups

Key Products

Conversational Commerce (in-chat) payments, Affordability stack (Credit & Debit Card EMIs) on checkout, Instant daily settlements, Invoicing, UPI Autopay, etc. Already winning the trust of industry leaders in Transit, E-commerce, Healthcare, Lending, etc. PRIVATE & CONFIDENTIAL Payments Business – Quarterly Key Performance Indicators (KPIs) Key Performance Indicator Unit For the quarter ended 31-Mar-25 For the quarter ended 31-Dec-24 Payments GMV Payment gateway GMV Platform Spend GMV Registered Users New Registered Users Customer Acquisition Cost Merchants Offline Merchants Online Merchants Billers INR Mn INR Mn INR Mn Mn Mn INR Mn Mn Mn # 3,30,663 8,965 3,41,166 176.4 4.4 32.3 4.6 4.4 0.2 463 2,94,456 9,432 3,06,956 172.0 5.0 37.2 4.5 4.4 0.1 463 PRIVATE & CONFIDENTIAL 30 Financial Services Distribution Business - Quarterly Key Performance Indicators (KPIs) Key Performance Indicator Unit For the quarter ended 31-Mar-25 For the quarter ended 31-Dec-24 Digital Credit GMV ZIP EMI GMV (D