One Mobikwik Systems Limited

10%

ing UPI Apps Key User Statistics Financial Metrics 183.5 Mn Registered User Base 30 Sep 2025 +10% YoY 4.71 Mn Merchants 30 Sep 2025 +7% YoY 3.3 Mn Users 71 K Merchants Newly added in Q2FY26

7%

al Metrics 183.5 Mn Registered User Base 30 Sep 2025 +10% YoY 4.71 Mn Merchants 30 Sep 2025 +7% YoY 3.3 Mn Users 71 K Merchants Newly added in Q2FY26 2,816 | 2,793 Total Income (INR Mn) Q1F

rs 71

Mn Registered User Base 30 Sep 2025 +10% YoY 4.71 Mn Merchants 30 Sep 2025 +7% YoY 3.3 Mn Users 71 K Merchants Newly added in Q2FY26 2,816 | 2,793 Total Income (INR Mn) Q1FY26 | Q2FY26 774 | 961

24.1%

26 774 | 961 Contribution Profit Q1FY26 | Q2FY26 (312) | (64) EBITDA Q1FY26 | Q2FY26 Stable +24.1% QoQ +80% QoQ 1) By GTV of Digital Wallet as of Sep’25 2) By GTV as of Sep’25 3) Based on NPCI dat

80%

1 Contribution Profit Q1FY26 | Q2FY26 (312) | (64) EBITDA Q1FY26 | Q2FY26 Stable +24.1% QoQ +80% QoQ 1) By GTV of Digital Wallet as of Sep’25 2) By GTV as of Sep’25 3) Based on NPCI data for top

13%

INR Mn) Gross Profit (INR Mn) GM (%) Payments Merchant Fee & Convenience fees (User) 432 +13% 384 2,089 1,476 614 29.4% - 3.9% +3.2% 2,131 1,536 594 27.9% Financial Services •Sour

29.4%

n) GM (%) Payments Merchant Fee & Convenience fees (User) 432 +13% 384 2,089 1,476 614 29.4% - 3.9% +3.2% 2,131 1,536 594 27.9% Financial Services •Sourcing •Collection fees •Late pay

3.9%

%) Payments Merchant Fee & Convenience fees (User) 432 +13% 384 2,089 1,476 614 29.4% - 3.9% +3.2% 2,131 1,536 594 27.9% Financial Services •Sourcing •Collection fees •Late payment fee

3.2%

yments Merchant Fee & Convenience fees (User) 432 +13% 384 2,089 1,476 614 29.4% - 3.9% +3.2% 2,131 1,536 594 27.9% Financial Services •Sourcing •Collection fees •Late payment fees & pe

27.9%

nvenience fees (User) 432 +13% 384 2,089 1,476 614 29.4% - 3.9% +3.2% 2,131 1,536 594 27.9% Financial Services •Sourcing •Collection fees •Late payment fees & penal charges 8.1 +16.4%

16.4%

27.9% Financial Services •Sourcing •Collection fees •Late payment fees & penal charges 8.1 +16.4% 6.9 613 356.7 256 41.8% +5.1% - 29.5% +231% +3.1 X 583 505.7 77 13.3% Q2FY26 Q1FY26

41.8%

•Sourcing •Collection fees •Late payment fees & penal charges 8.1 +16.4% 6.9 613 356.7 256 41.8% +5.1% - 29.5% +231% +3.1 X 583 505.7 77 13.3% Q2FY26 Q1FY26 1) GMV for Financial Service

“• This project drives our strategic vision of empowering Bharat through digital finance.”

Growth Driver

1

Robust QoQ Growth

1

Expanded Financial Access for Bharat

1

Empowering Bharat with Digital Payments

1

Growth Driver

• Continue to engage high-quality UPI users leveraging payment & credit products to drive ARPU & LTV Customer Initiated UPI GMV (Bn) 84.08 94.16 2X Growth YoY 119.59 135.52

Robust QoQ Growth

• Customer Initiated UPI 173.51 Transactions (Mn) grew by 38% • Customer Initiated UPI GMV (INR Bn) grew by 28% Top 3 Fastest Growing UPI Apps(1) in India’s UPI Ecosystem Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26 1) Based on NPCI data for top 20 TPAPs as per transaction count for Q2FY26 Vs Q1FY26 11 Header Payments: Momentum Accelerates with 53% YoY GMV Surge Payments GMV (INR Bn) Registered Users (Mn) Merchants (Mn) QoQ YoY QoQ YoY QoQ YoY 432 53% 432 180 1.8% 183 9.9% 183 167 4.64 1.5% 4.71 4.71 7.0% 4.40 13% 384 283 Q1FY26 Q2FY26 Q2FY25 Q2FY26 Q1FY26 Q2FY26 Q2FY25 Q2FY26 Q1FY26 Q2FY26 Q2FY25 Q2FY26 Scaling Faster Every Quarter: GMV at Record Highs Payments GMV grew 53% YoY in Q2FY26 along with 13% QoQ (Highest Quarterly Numbers) Driving 9.9% YoY Registered User Growth User base at 183.5 Mn, 3.3 Mn new users onboarded during Q2FY26 Strengthened Merchant Base with Uptick of 7% YoY Merchant base reached 4.71 Mn, with 71k new additions in Q2FY26 12 Header Payments: Gross Profit continues

Expanded Financial Access for Bharat

Redefining Forex to be as simple as a bill payment, bringing forex purchase to every Indian. Pioneer of Digital Forex Retail: The first solution to offer a fully digital, no- middleman path to buying and reloading foreign currency. Powered by Trusted Partners: Built in collaboration with NPCI’s Bharat Connect and the Reserve Bank of India (RBI). Seamless and Instant: Enables instant booking and reloading, ensuring same- day (T+0) collection at the user's chosen branch. 25 Header New Product Launch #2: RBI-Issued Digital Rupee Pioneering Digital Rupee Adoption: As one of the first Fintechs to go live with the RBI's Digital Rupee (e₹), we are driving the early adoption of India's sovereign digital currency.

Empowering Bharat with Digital Payments

Digital Rupee enables a frictionless payments ecosystem without needing a bank account. Instant and Secure Transactions: Digital Rupee on MobiKwik brings instant e₹ load, real-time P2P and P2M payments, and e₹ wallet creation & transactions. Powering RBI's Vision: By providing Digital Rupee access to millions of potential users, MobiKwik is actively furthering the vision of a transparent, and fully digital economy. 26 Header AI-Powered Product Initiatives: Driving Intelligence & Efficiency • Unifies Bank, stock, and MF data via a smart interface for a complete, real- time portfolio picture. • Leverages Account Aggregator (AA) framework to provide secure & structured investment access to millions of investors. • Simplifies financial jargon (P&L, NAV, etc.) making investment concepts easily understood and relatable. • Proactively highlights anomalies and opportunities, empowering users to make informed & data-driven decisions. • • • • Empathetic AI Collections: Replaces manual calls with