Slides
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CorporateSummary
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Quarterly Snapshot : Key Metrics at a Glance India’s leading digital financial services platform offering Payments and Credit Offerings to 192.8 Mn+ users Payments2-sided payments platform serving consumers via UPI, Wallet & Bill Payments and 5.02 Mn merchants192.8 MnRegistered Users5.02 MnMerchant Partners₹587 BnQ1 FY27 GMV (50% YoY)₹2,081 MnQ1 FY27 Revenue₹777 MnQ1 FY27 Gross Profit37%Gross Margin (Q1 FY27)Financial ServicesConsumer credit platform serving users across the credit spectrum via FLDG & marketplace models1.64 MnZIP EMI Users60%Repeat Customers₹7,367 MnQ1 FY27 Disbursals₹733 MnQ1 FY27 RevenueNew BusinessesHigh-growth platforms building on MobiKwik’s distribution moatOnline Merchants(Zaakpay)Online Payment Checkout Services for Merchants • Near breakeven • Building SMB pipelineFocus on growing business from non-MobiKwik merchants; targeted expansion in high-value regulated sectors Offline Merchants (Merchant Acquisition)Scaling Merchant Relationships • Using Transaction Data to enable merchant credit • Improving monetizationDevice Led Acquisition Strategy to deliver scaled revenue, building a strong base for MCA LendingRanked #1 in Wallet (1)Ranked #6 in Bill Payments (3)2ndFastest Growing UPITPAP App(2) 1By GTV of Digital Wallet as of Jun’26 | 2Based on NPCI data for top 20 TPAPs as per transaction count for Q1FY27 Vs Q1Y26 | 3By GV as of Jun’26 among Customer Operating Units | 4Including Standalone and Payment Gateway (Zaakpay) GMV₹433 MnQ1 FY27 Gross Profit5.87%Net FS Margin (Q1 FY27)4
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Strong Independent Board of Directors Ensuring Compliance at Every Step 5
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Regulatory Licenses Enabling Long-Term Business Continuity 12 Product/ Service Offered Regulatory Authority Last Renewed Details of Licenses Type of BusinessAcƟvity Issuance and OperaƟon of PPI (Wallets) to the consumers .Providing merchant acceptance infrastructure under PPI RBI30-Sep-25 Prepaid Payment Instrument (PPI) Payments Providing the services of Bill payments for utility services such as electricity bill payments, credit card bill payments, etc. RBI27-Jan-26 Bharat Bill Payment Operating Unit (BBPOU) Providing merchants services to accept payments from their customer via multiple digital modes such as cards, UPI, wallets, net banking, etc. including collection andseƩlement thereof. RBI30-Apr-25 (Perpetual Validity) Online PaymentAggregator (PA-O) Collection and settling of digital face-to-face payments, such as QR code scans and card swipes at point-of-sale (POS) terminalsRBI25-May-2026(Perpetual Validity)Offline Payment Aggregator (PA-P)Carrying out Non-Banking Financial Institution activities, specifically enabling on-book lending and co-lendingRBI27-Apr-2026(Application Approved)Non-Banking Financial Company (NBFC)LendingCarrying on business of selling and marketing of mutual fund products. SEBI06-Mar-25 AMFI Registration Number (ARN) Wealth Providing services in relation to financial advice to clients, helping them choosesuitable securiƟes and investment products. SEBI21-Aug-23(Perpetual Validity) Registration as Investment Adviser (RIA) Carrying on the activities of buying, selling or dealing in securities/clearing and settlement of trades. SEBI01-Jul-25 (Perpetual Validity) Stock Broking Carrying out activities of soliciting, marketing and distributing insurance products on behalf of insurers. IRDAI15-Dec-23 Corporate Agent (Composite) Insurance 6
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Corporate Update : Lending Business Transfer to Subsidiary to Activate NBFCMigrating the Lending Service Provider (LSP) business to MDSPL (wholly-owned subsidiary of OMSL) –a condition of the NBFC in-principle approval, ahead of receiving the Certificate of Registration (CoR)1APR 27, 2026NBFC In-Principle ApprovalRBI grants in-principle approval for the NBFC licence — conditional on migrating the LSP business to a wholly-owned subsidiary before the CoR is issuedCOMPLETED2JUL 2, 2026Shareholder ApprovalPostal ballot (remote e-voting) concludes; shareholders approve the LSP business transfer via slump sale to MDSPL and the revised utilisation of IPO proceeds to capitalise the lending businessCOMPLETED3TARGETED: AUG 2026Lending Business Transfer to MDSPL (Wholly-owned Subsidiary)Slump sale of the LSP undertaking, capital infusion from earmarked IPO proceeds, and novation of all existing LSP agreements — moving the business into MDSPL, MobiKwik's wholly-owned subsidiaryIN PROGRESSThank you to our shareholders — your continued trust and support in MobiKwik has been instrumental in enabling this transitionMDSPL: MobiKwik Distribution Services Private Limited, a wholly-owned subsidiary of One MobiKwik Systems Limited | LSP: Lending Service Provider | CoR: Certificate of Registration7
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PaymentsDriving User Acquisition
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Consumer Payments : Product Offerings Send money to anyone, scan any QR, pay offline - all from one screen A UPI account that lives inside your wallet - no bank failures, clean statements, single tap Every recurring payment -mobile, electricity, credit card managed in one place Load once, spend anywhere -without touching your bank account UPI Wallet + Pocket UPI Bill Payments 9
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UPI : 2nd Fastest Growing UPI TPAP App 1) Based on NPCI data for top 20 TPAPs as per transaction count for Q1FY’27 Vs Q1FY’26 Our UPI transactions grew 5x faster than the Overall Industry (MobiKwik 130% YoY vs Industry 24%)2.3XUPI Transactions YoY100 Mn→ 230 Mn2.0XUPI GMV YoY136 Bn→ 269 BnOUTPACING THE INDUSTRYMobiKwik130%Industry24%YoY UPI transaction growthTARGETING 4X TRANSACTION GROWTH OVER NEXT 2 YEARSCustomer Initiated UPI Transactions (Mn)100.1Q1 FY26138.3Q2 FY26172.3Q3 FY26209.3Q4 FY26230.0Q1 FY272.3XYoYKEY GROWTH LEVERS1Powered by a dedicated UPI PSP StackRunning dedicated technology means faster fixes, higher uptime, and quicker releases on our timeline.2UPI Registration RebuiltFocused work on the setup flow lifted the number of users completing UPI activation on MobiKwik.3Security and Compliance at the CoreIndustry-leading security and compliance on every transaction protect customers and shape how the product scales.4Refer and Earn, Plus RetentionA new referral program grows registrations and transactions, with retention work keeping users active.5Deeper Platform ReliabilityContinued investment in core architecture delivers a stable, dependable experience users trust.10
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PPI Wallet Scales on Every Metric, Powered by Pocket UPI 106 MnWallet Transactions · Q1 FY27+68% YoY 40 MnFull KYC Wallets · Q1 FY27+6% YoY Market Leader with ~19% share of total PPI Wallet GMVPocket UPI (PPI on UPI) is the wallet’s growth engine The preferred rail on MobiKwikUsers increasingly reach for the wallet to pay merchants, not just transfer to peer/bank transfers indicating stickiness & high intent for daily use Rapid Growth in Interoperable Wallet AdoptionEver transacting user base grew by 83%, from June'25 to June'26 UPI interoperability unlocks daily wallet usageEnables one-click payments across the UPI ecosystem, making the wallet the preferred choice for frequent, small-ticket transactions and increasing user engagementSource: RBI entity-wise PPI Statistics(One MobiKwik System Ltd.)- PPI Wallet only. 63 76 84 99 106 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 ₹125 BnWallet GMV · Q1 FY27+24% YoYPPI Wallet Transactionss (Mn)11+ 68%YoY
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Anchored on category expansion, platform depth and ecosystem scalePLATFORM GMV GREW 2.2× IN 3 YEARS · 48% CAGR · CONSISTENT COMPOUNDING GROWTH ACROSS BILL PAYMENTS6577858289Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27+ 37%YoYRecharge & Bill Payments : Anchored on Growth of BBPS and New CategoriesK E Y G R O W T H L E V E R S₹ 64.7 BnQ1 FY27 B2C GMV₹ 24.4 BnQ1 FY27 B2B GMV37%YoY GMV GrowthQ1 FY27 v/s Q1 FY26New Business showing Exponential GrowthC O M B I N E D R & B G M V ( i n I N R B n )Mature Business Driving Customer Retention All numbers include Recharge & Bill Payments via MobiKwik App and Aggregation Channels 12Sharper Segmentation & Cross-SellCustom offers and cross-sell as core motions, with early identification of at-risk users driving closer retentionBBPS COU Licence LeverageLeveraging our BBPS COU licence to power digital bill payments for multiple partner agent institutionsNew-to-Category ExpansionGrowing user base converting into new-to-category and new-to-use-case adoption, widening the funnelBest-in-Class Service DeliveryBest-in-class dashboards, system uptime and service supporting partner institutions at scale
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Merchant Payments : Scale-up by FY28Offline Merchant AcquiringWhy Merchant Payments? No zero-MDR rails — offline & online both earn Fewer competitors, easier to retain merchants Device + lending lock merchants in for the long termOnline Merchant Acquiring (Zaakpay)Vertical-Focused Growth & Industry DominanceDeep vertical specialization, owning high-value ecosystems end-to-endCompliance-Aligned Custom SolutionsCategory-specific, compliant checkout flows that speed up onboardingReliability & Service ExcellenceBest-in-class uptime and instant settlement for high-stakes verticalsSuperior API & Self-Serve PlatformDeveloper-first APIs and self-serve tools that cut integration time EDC & Sound Box Scale-upDevice base scaling, compounding subscription and MDR revenueMulti-Segment GMV GrowthEnterprise, O&G and General Trade scaling in parallel, reducing concentration riskRevenue Yield DeepeningHigher-value instruments and banking tie-ups lift revenue per unit of GMVMerchant Lending (MCA)Transacting merchants convert to credit naturally, boosting retention and revenue 13 $1.8–2.0 TnOffline Merchant TAM by FY28 (RedSeer)$792–880 BnOnline PG TAM by FY28 (RedSeer)Merchant GMVQoQ Growth107 Bn→ 126 Bn+17%
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Record High Platform Spend GMV with 50% YoY growth •Low Cost UPI Growth Drives the Funnel for Payment and Lending Use Cases•High-quality, well-retained users are driving deeper engagement across the platform, supporting sustainable revenue.•UPI GMV stood at ₹ 269 Bn (up 99% YoY), PPI Wallet GMV stood at ₹ 125 Bn (up 24% YoY), and Recharge and Bill Payments GMV stood at ₹ 89 Bn (up 37% YoY)12392441492544587 14293 342 397 436 461 999995107126Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27Platform Spend GMV (₹ Bn) (1) Consumer Payments GMVMerchant Payments GMV1)Platform Spend GMV = MobiKwik Payment GMV + Zaakpay GMV + 50%YoY
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1,427.8 1,339.1 1,290.8 1,193.1 1,173.5 108.4 136.6 113.9 95.9 131.3 594.3 613.6 832.8 826.6 776.5 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY2727.9%29.4%37.2%39.1%37.3%GMV Growth translating to 31% YoY growth in Payments Gross ProfitPayments Revenue (INR Mn) & Gross Margin(1)(%) 1)As a (%) of Payments Revenue 29.4%37.2%23.9%27.9%User Incentive costGross ProfitPayment Gateway Cost2,1312,0892,2372,11639.0%2,081•Some Card based payment categories were paused in Q4 FY26 and Q1 FY27, because of which there was a drop in both Payments Revenue as well as Gateway Costs.Going forward, we expect to resume these categories with proper guardrails in place.•Significant GMV growth has come from Merchant Business, UPI, and non-Card linked categories, where the take rates are relatively lower.•Gross Margin stood at 37.3% - Up YoY from 27.9% in Q1 FY26. GrossMargin (%) 15
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Payments Unit Economics within Guided Range at 13 bpsUnit Economics of Payments Business (Bps)(1) 1)All numbers in % of Platform Spend GMV (MobiKwik Payment GMV + Zaakpay GMV) Payments GMV grew 50% YoY and 8% QoQ, with Net Payment Margin holding firm at 13 Bps (within the guided range of 12-15 bps) Company expects consistent GMV growth with stable Net Payments Margin Particulars (in bps)Q4 FY26Payments RevenuePayments Gateway CostsUser Incentive costsNet Payments Margin46(26)(2)17Q3 FY2647(30)(3)14Q1 FY2635(20)(2)13Q2 FY2654(36)(3)15Q1 FY2739(22)(2)1516
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Consumer LendingMonetization Engine
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Consumer Lending : Product OfferingsA diversified, risk-aligned credit platform serving users across the credit spectrum.A. FLDG Model - High Control, Higher Yield•Operates in Moderate-ROI segments (22–32%)with short-tenure, small-ticket loans•Co-created filtration parameters with underwriting done by lending partners via in-house scorecards for eligibility and loan sizing•Moderate risk filtrationresults in higher lender conversion but controlled overall approval (~3.5-4%).•Opportunity to upsell and cross sellB. Distribution/Marketplace Model - Scale-led, Partner-driven•Focuses on larger-ticket, longer-tenure loanswith moderate ROI (12–24%)•Credit decisions driven by lender policies, limiting underwriting flexibility•Lower approval rates and tighter filtration (~1-1.5%) due to higher lender-side drop-offs 18
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Portfolio maturing with tilt towards repeat and super prime cohorts Lending Disbursal Mix Key Metrics, YoY●Credit Risk performance improved by ~25%●Repeat loans went up from 35% to 60%●FS margins improved from 1.12% to 5.87%Key Focus Areas●Distribution partnerships → premium customer acquisition●FLDG policy refinement for risk control●Improved risk-based pricing for product market fit●Repeat business growth through personalized offers●Collections infrastructure investment Super PrimeKey Asks –Investment, lifestyle• High Income and net worth• Excellent credit history• Monthly income >3lakh• Loan amount >5 lakh• High limit credit card usagePrimeKey Asks –Investment, lifestyle• Moderate income: 1-3 lakh pm• Good credit history• Loan amount 1 to 5 lakh• Active credit card usageNear PrimeKey Asks –Working capital, living expenses• Younger demographic• Lower income: up to 1 lakh pm • Moderate credit history• Loan amount up to 1 lakh• Low credit card penetration19 FLDG68%Distribution32%
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Borrower Base: Young, Salaried & Credit-ReadyAs a % of Digital Credit GMV •Quality cohort, not mass market:74% borrowers under 40, 100% bureau score at 700+ - disciplined underwriting, low-risk book•Stickiness proven:60% repeat users - strong LTV expansion signal Age GroupUpto 3028%31-4047%40+26%Monthly Income GroupUpto ₹75K46%₹75K-150K24%₹150K+30%GeographyNorth32%South34%West18%East+Central16%Occupation TypeSalaried54%Self-Employed46%Cohort (Bureau Score)700-74945%749-77439%775+16%Customer UsageNew40%Repeat60%20
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Growth Initiative #1: Targeting Our Large Existing Customer Base 21
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Growth Initiative #2: Leveraging AI Engine to Enhance Lending Funnel ConversionsActivating dropped off users in the lending funnel — AI agents recover drop-offs across various stagesAI CAPABILITIES DEPLOYED1Real-Time Drop-off TriggersEvent level signals flag the exact stage a user exits the platform. Recovery queue is built and a call is triggered to assist the user in completing his journey2Vernacular Voice AI AgentHuman like outbound calls in regional languages to enhance customer experience.+10%Incremental offers generated~1000 MnIncremental quarterly disbursals targetedMultilingualImproves customer experience 22
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6,931 8,071 9,000 8,377 7,367 7,367 3,000 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Upcoming Quarters Deploying New Capabilities for Aggressive Growth in LendingZIP EMI GMV (Disbursal) (INR Mn) •There was a temporary dip in disbursals in Q1 FY27 owing to technology infrastructure migration for the lending business transfer, along with a conscious effort to reduce lender concentration. We expect to recover from this dip in Q2 FY27.•2 New Major Lending partners added in Q1 FY27. As these new partnerships mature and new product categories are launched, the company is poised to gain momentum and deliver ₹ 10,000 Mn+ quarterly disbursals in the upcoming quarters.•Lending Disbursals up 6% YoY, with 32% Disbursals in Distribution Model and 68% in FLDG Model (where we share risk with lender partners, and manage origination, servicing & collections).Significant potential for growth as we look to tap into our large existing customer base.23 Disbursal From New InitiativesCurrent Disbursal Run Rate10,000+# of LendingPartners(1)Top 3 Lender Concentration788%691%791%787%971% 1)Only counting major partners where disbursals are more than ₹ 50 Million per quarter
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13.3%41.8%57.1%58.5%59.0%505.7 356.7 279.5 320.0 300.9 77.4 256.1 372.5 451.4 432.6 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27Highest Quarterly Gross Margin-at 59.0% in Q1 FY27•YoY Revenue growth of 26% supported by improvement in take rates•Despite a QoQ degrowth in disbursals, we have been able to maintain stable revenue and gross profits•Lending Related Expenses down 40% YoY on back of improving credit quality•Gross Profits up by 459% YoY Revenue from Financial Services (INR Mn) & Gross Margin (%)(1)Financial Services Gross Profit Grew 5.6X YoY583613652771Revenue733Gross MarginGross ProfitLending related Expense1)As a % of Financial Services Revenue24
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Lending Portfolio Demonstrating Robust Credit Quality Risk improvement is structural - driven by investment in underwriting, data, and collections infrastructureStructural improvementEvery new cohort starts lower and brings in lower risk- structural, not cyclical improvementPrecision Credit GuardrailsProprietary ML-driven scoring that consistently keeps portfolio delinquency under controlSuperior Recovery EngineAI-integrated collections stack that prioritizes early-stage intervention while reducing costsM2 M3 M4 M5 M6 M7 M8 M9 M10 M11 M12 QoQ Static Pool Risk Performance(Cohort-wise) Q3 FY'25Q4 FY'25Q1 FY'26Q2 FY'26Q3 FY'26Q4 FY'26~25% Lower25
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Credit Quality Improvements Flowing to Margins - Delivering Record 5.9% Net FS MarginUnit Economics of Financial Services (1) 1)As a % of Digital Credit GMV ParticularsQ3FY26Current Book Take Rate(1)(A)Lending Related Expense(1)(C)Net Financial Services Margin(1)(A+B-C)7.24 %(3.11) %4.14%Q2FY267.59 %(4.42) %3.17 %Q1FY268.41 %(7.30) %1.12 %Q4FY267.40 %(3.82) %5.39 %Q1FY278.09 %(4.08) %5.87 %Credit Quality Improvements flowing through to Margins•Gross take rates reached a high of 9.96% in Q1 FY27 vs 9.21% in Q4 FY26 and 8.41% in Q1 FY26; Out of this, 8.09% is attributable to current disbursals and 1.87% is attributable to past book recoveries•Lending Related Expense decreased from 7.30% to 4.08% YoY, depicting improvement in credit quality as well as an increase in non-FLDG business mix•Net Take rate increased to 5.87% in Q1 FY27 as compared to 1.12% in Q1 FY26; deferred revenue flowed in as the maturing portfolio saw lesser losses than FLDG guarantees•Lower base effect in Q1 FY27 have led to inflation in both take rate and lending related expensesPast Book Recoveries(1)(B)0.0 %0.0 %0.0 %1.81 %1.87 %26
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Financial Performance
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7749611,2881,3511,28627%34%43%46%44%0%5%10%15%20%25%30%35%40%45%50%02004006008001,0001,2001,4001,6001,8002,000Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Ranked #1 in Wallet (1) Ranked #6 in Bill Payments (3)2ndFastest Growing UPITPAP App(2)1Contribution Profit up 66% YoY Contribution Margin (%)(1)Contribution Profit PAT Profitable 3 Quarters in a row – Strong YoY Upswing of INR 495 Mn PAT Margin (%)(1)PATFrom -₹419 Mn to +₹76 Mn in Four Quarters 1)By GTV of Digital Wallet as of Jun’262)Based on NPCI data for top 20 TPAPs as per transaction count for Q1FY27 Vs Q1FY263)By GV as of Jun’26 among Customer Operating Units-419 -286 40 44 76 -14.9%-10.2%1.4%1.5%2.6%-30.0%-25.0%-20.0%-15.0%-10.0%-5.0%0.0%-550-450-350-250-150-50 50 150Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY2728
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GMV(INR Bn)Revenue Streams Q1FY27Q1FY26 Revenue(INR Mn)Gross Profit (INR Mn) GM (%) Merchant Fee &Convenience fees (User)Sourcing / Processing Fees & Interest IncomeFinancial Services 37.3%27.9%7.46.97335834337759.0%13.3%+50%5873922,0812,131Payments & Financial Services: Improved Margins Across the BoardDirect Cost (INR Mn) 1,5361,305506301-15%Payments 7775946%-2%-40%31%+4,571Bps+941BpsNote: Payments GMV includes both standalone MobiKwik and Zaakpay (payment gateway) GMV26%459%29
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Revenue Direct Cost Contribution Profit Fixed Cost EBITDA F&D Cost PAT Q1 FY27 : Financial Waterfall INR Mn(1,305)(1,606) (301)7771,286433772,0812,89273377 158158Payments BusinessFinancial Services Payments CostFS CostOther Income(1,128)(1,128) 7676Finance Cost(36)(81)(45)Depreciation Cost Q1 FY27 vs Q1 FY26Revenue 3%D irect C o st 21%C ontrib ution Profit EBITD A 470 Mn PAT 495 M n30
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505.7356.7279.5320.0300.91,536.21,475.71,404.61,289.01,304.8Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27 Cost Compression at Scale : Direct Costs Down 21% YoY, Fixed Costs Remain StableDirect Cost (INR Mn) •Lending Related Expenses down 40% YoY and 6% QoQ owing to reduction in credit costs stemming from improved underwriting and collection performances•Payment Related Expenses down 15% YoY and remained stable QoQ despite 50% YoY growth in GMV Fixed Cost (%)38.3%36.7%38.6%39.8% •Strict Cost Rationalization Measures led to a 4% QoQ reduction in fixed costs•The 39.0% Fixed Cost as % of Income reflects a clearly visible Build-Phase with Employee Benefit Expenses increasing to support scale up of core businesses and expansion in new business segments Fixed Cost (INR Mn)39.0%2,0421,8321,6841,6091,606 1,0861,0251,1381,1771,128 31419.6 353.5 414.9 461.0 534.0 666.7 671.1 723.5 716.1 594.1 Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27Employee Benefit ExpensesOther Fixed Costs
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78.372.172.351.045.428.631.736.940.735.9Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27PAT & EBITDA (INR Mn)EBITDA Margin(1) 1)As a (%) of Total Income•EBITDA at ₹158 Mn, PAT at ₹76 Mn - Positive for the Third Straight Quarter in a row•EBITDA margin at 5.5% in Q1 FY27 vs -11.1% in Q1 FY26; ₹470 Mn YoY swing•PAT margin at 2.6% in Q1 FY27 vs -14.9% in Q1 FY26; ₹495 Mn YoY swing, reflecting a structural shift in business 5.0%(2.3)%(11.1)%Finance and Depreciation Cost 5.9% •Finance and Depreciation Cost at 6-Quarter Low – ₹81 Mn in Q1 FY27 against ₹92 Mn in Q4 FY26 and ₹107 Mn in Q1 FY26 – Down 11% QoQ and 24% YoY •Finance Cost has been the Sharp Mover over the past 6 quarters -deleveraging and treasury optimisation post-IPO flowing through. Targeting Full-Year Positive PAT in FY27 on the back of a Strong Start in Q1 1071041099281 5.5%Depreciation CostFinance Cost-312-64150174158-419-286404476Q1 FY26 Q2 FY26 Q3 FY26 Q4 FY26 Q1 FY27EBITDAPAT 32
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DisclaimerBy attending the any earnings-related event or by reading the presentation slides you agree to be bound as follows:This Presentation is prepared by One MobiKwik Systems Limited (“Company”) are solely for information purposes, without regard to any specific objectives, financial situations or informational needs of anyparticular person. The contents are intended, but not guaranteed, to be correct, complete, or absolutely accurate. This presentation may contain certain words or phrases which are not statements ofhistorical facts and may be described as “forward-looking statements”.All forward-looking statements are subject to risks, uncertainties, expectations and assumptions about us that could cause actual results to differ materially from those contemplated by the relevantforward-looking statement. Actual results may differ materially from those suggested by the forward-looking statements due to risks or uncertainties associated with our expectations with respect to, butnot limited to, regulatory changes pertaining to the industry in which our Company operates and our ability to respond to them, our ability to successfully implement our strategy, our growth andexpansion, technological changes, our exposure to market risks, general economic and political conditions in India and globally which have an impact on our business activities, investments, or the industryin which we operate, the monetary and fiscal policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices, the performanceof the financial markets in India and globally, changes in domestic laws, regulations, taxes, changes in competition in the industry in which we operate and incidents of any natural calamities and/or acts ofviolence.Forward-looking statements reflect the current views of our Company as of the period of these results and are not a guarantee of future performance. These statements are based on our management’sbeliefs, assumptions, current plans, estimates and expectations, which in turn are based on currently available information. Although we believe the assumptions upon which these forward-lookingstatements are based are reasonable, any of these assumptions could prove to be inaccurate, and the forward-looking statements based on these assumptions could be incorrect. We undertake noobligation or liability to update forward-looking statements to reflect events or circumstances after the date there.We as the Company herein, or any of our affiliates, shareholders, directors, employees, or advisors, as such, make no representations or warranties, express or implied, as to, and do not accept anyresponsibility or liability with respect to (including but not limited to) the fairness, accuracy, completeness or correctness of any information or opinions contained herein and accept no liability whatsoeverfor any loss, howsoever, arising from any use or reliance on this Presentation or its contents or otherwise arising in connection therewith. The information contained herein is subject to change without anyobligation to notify any person of such revisions or change and past performance is not indicative of future results.This document has not been and will not be reviewed or approved by a regulatory authority in India or by any stock exchange in India. No rights or obligations of any nature are created or shall be deemedto be created by the contents of this Presentation. Therefore, under no circumstance shall regulatory authority in India or by any stock exchange in India be liable for the content of this Presentation.This presentation uses financial amounts in different denominations and hence there could be some totalling / casting anomalies in the numbers due to rounding off.This presentation is for general information purposes only.
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Thank You