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Q1 - FY27 Snapshot NPST Innovation in every byte • •
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Agenda 01.Business Landscape © 2026 I Network People Services Technologies Ltd I All Rights reserved 03.02.Business Updates – Q1 FY27Financial Highlights – Q1 FY27www.npstx.com | 02
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Business Landscape © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 03
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NPST: Driving Innovation in PayTechIntegrated banking and payment products for:Modernizing payment infrastructure - driving innovation and efficiency•Central Bank/Authority•Banks•Third-Party Application Providers (TPAP)•Payment Aggregators•Fintech•NBFC•Enterprises •Technology Service Provider (TSP)•Payments Platform as a Service•AI-based RegTech•Improve cost and revenue efficiency for customers•Building new monetization modelsEnhanced Business ValueEmpowering Modern PaymentsOver a decade of experience delivering cutting-edge technology •13 yearsin business•20+banks•100+customers•90 Mdaily transactionsIndustry Expertise & InnovationComprehensive Suite of SolutionsLeverage wide experience to enable customers tap new value pools © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 04
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Business Verticals Technology Service Provider(TSP) Payments Platform-as-a Service(PPaaS)RegTechA payment software partner for banks and fintech, enabling a compliant transaction processing engine. Also providing next-generation banking, payment, infrastructure, and software services across multiple segments.Products: UPI | IMPS | CBDC | Banking Connect | BBPS | UPI 123 Pay | Omnichannel SuperApp | Bank-in-a-Box | Software ServicesRevenue Model: Licensed/SaaSEnables banks and fintech to launch and manage payment services end-to-end, from acquisition to settlement.Products: Online Merchant Acquiring (Evok 3.0) | QR and Soundbox Solutions (Qynx) | Merchant Management System | Bharat Connect B2B | Merchant Orchestration Revenue Model: Pay per use (SaaS Model)Provides fraud management across the transaction lifecycle, from pre-transaction to post-transaction.Products: Risk Intelligence Decisioning Platform (RIDP) | Online Dispute Resolution (ODR) | Fraud Risk Management (FRM)Revenue: Pay per use (SaaS Model)© 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 05
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RNEW OPPORTUNITIESAND CHALLENGESREGULATION ECONOMIC TECHNOLOGYOpen Banking Digital Push –Make in India Cloud, Micro-Services APIONDC Smart Cities EmbeddedIntelligenceData Privacy Laws New Business Models--Subscription economyIOT and AINationalism –Data Localization, National InterchangesRural Expansion and Vikshit BharatDigital CurrenciesUPI GlobalCybersecurity and identity Fueled by regulation, macro-economics and technology trendsMarket trends shaping our opportunity
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Payment Processing Payment DevicesRegTechDigital Lending-UPIQynx QR and SoundBoxBanks, PAsInstant Credit /B2C & B2BBanks, PAs, Regulators, MerchantsRisk Intelligence Decisioning PlatformBanks, Pas, ERP Players, MerchantsEvok 4.0, BBPS, Digital CurrencyBanks, PAs, TPAPs, Fintechs NBFCsProductMarket & Segments New product offering and target segments Market: $8 BCAGR:~22%Market: $4 BCAGR:~12.63%Market: $1.9 B*CAGR: ~32%Market: $22 BCAGR:~192%Total Annual MarketNPST’s Growth Vision is to Achieve 2x Market Growth Rate by 2030 Source: NPST AnalysisLevers of Growth: Beyond Payments www.npstx.com | 07
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•Real Time Payments•Central Bank Digital Currency•Internet and Mobile Banking•Omnichannel Super App•Bank in Box•Decentralized open e-commerce •Online and Offline Merchant Payment Acceptance•Merchant Management System•Third Party App Provider•Payment Orchestration•Risk Intelligence Decisioning Platform•Bot Defense•Online Dispute Resolution•Enterprise Fraud Risk Management•Hardware Security Module•Soundbox•Smart PoS•Micro ATM•Load BalancerOur Products at GlanceBanking & PaymentsCustomerExperienceMerchantAcquiringRegulatory TechnologiesPayment &Security Devices www.npstx.com | 08
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Business Updates – Q1 FY27
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Business Verticals Contribution – Q1 FY27 © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 10 Domestic TSPPPaaSRegtechRevenue Contribution from each segment in both the global and domestic marketsPO/Revenue in pipelineGlobalTSPPPaaSRegtech
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Performance Update & Forward Outlook – Q1 FY27 © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 11 Revenue & Earnings Quality•Revenue grew 75% YoY , tracking in line with projected growth trajectory•Rising share of recurring, SaaS-based platform revenue strengthening earnings qualityGlobal•International subsidiary now revenue-contributing; global client orders broadening the base beyond India•Confirmed business from new segment and geography on a high margin SaaS based model. Regtech: Structural Growth Driver•Steady Regtech pipeline offers a clear path to further monetisation•DPDP implementation emerging as a new demand pool; deep BFSI relationships position us to capture it earlyPPaaS: Moderated Base Case, Optionality Intact•Domestic PPaaS projections deliberately moderated given the current MDR environment•A favourable MDR policy would revive the business; unlikely to revisit past peaks, but represents meaningful long-term upside
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TSPWon multiple orders across the payment product stack Bank in a BoxIncreased order book by ~40%Business Progress – Q1 FY27 © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 12 Product Upgrade:Added B2B payments and increased portfolio on Banking Connect Clients Impact: Cooperative Banks, Private Bank and PSU accounts acquiredRevenue Model:SaaSRevenue Type:Small Ticket + High Volume = Improved MarginProduct Upgrade:Increased product offering, higher win probability Clients Impact: Added new accounts from the Private and PSU segmentsRevenue Model:Licensed Revenue Type:One-time + Recurring (Large Accounts)
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RegTechWon an order for fraud management toolInternational Division Received an LOI from one of the largest telecom operators for SuperAppBusiness Progress – Q1 FY27 © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 13 Product Upgrade:Ventured into telecom SuperAppClients Impact: Global Telecom Player with presence across multiple marketsRevenue Model:Licensed + SaaSRevenue Type:Small Ticket + High Volume = High MarginProduct Upgrade: Added new product stack through partner relations Client Impact: Ventured into the cooperative segment with RegtechRevenue Model:Licensed Revenue Type:One-time + Recurring
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B2B Payments (New Business)Bagged orders from two banksPayment Devices Increased the order book by 16%Business Progress – Q1 FY27 © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 14Product Upgrade:Launched new models through partner relationsClients’ Impact: Multiple accounts acquired in cooperative segments Revenue Model:SaaSRevenue Type:Small Ticket + High VolumeProduct Upgrade: Launched a new solution on the licensed and SaaS Model (Bank in Box)Client Impact: Acquired banks in the private sector Revenue Model:Licensed and SaaSRevenue Type:One-time + Recurring
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Enterprise-wide AI Governance Policyto drive responsible and secure AI adoption Invested in AI development toolsto improve engineering productivity and accelerate product innovation Enhanced cybersecurity infrastructureto strengthen resilience in an AI-enabled technology environment Capability building and AI training programmesto equip technology teams with future-ready skillsBuilding an AI-Ready Organization © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 15 Impact: Aim to improve efficiency by 30%
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Financial Highlights – Q1 FY27
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Consolidated Key Financial Highlights – Q1 FY27 35.0961.427.1911.0411.318.78Q1 FY26 Q1 FY27 All Figures In ₹ CrTotal IncomeNet ProfitEBITDA © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 17
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All Figures In ₹ Cr & Margin in %Consolidated Key Financial Highlights – Q1 FY27 © 2026 I Network People Services Technologies Ltd I All Rights reserved YoY(% Change)Q1 FY26Q1FY27Particulars75.04%35.09 61.42Total Income66.14%11.3118.79EBITDA32.23%30.59%EBITDA (%)53.69%7.1911.05Net Profit20.49%17.99%Net Profit (%)42.16%3.705.26Diluted EPS (₹)www.npstx.com | 18
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All Figures In ₹ Cr & Margin in %Consolidated Results Highlights – Q1 FY27 © 2026 I Network People Services Technologies Ltd I All Rights reserved YoY(% Change)Q1FY26Q1FY27Particulars33.6256.48Revenues1.474.94Other Income75.04%35.0961.42Total Income11.7612.66Project expenses9.4510.12Employee costs2.5719.85Other expenses23.7742.63Total Expenditure66.14%11.3118.79EBITDA32.23%30.59%EBITDA %0.210.21Finance Costs1.434.09Depreciation9.6714.49PBT2.483.44Tax53.69%7.2011.05Net Profit20.49%17.99%Net Profit %42.16%3.695.26Diluted EPS (₹)www.npstx.com | 19
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20 © 2026 I Network People Services Technologies Ltd I All Rights reservedwww.npstx.com | 20 No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this presentation. Certain statements made in this presentation may not be based on historical information or facts and may be "forward looking statements" based on the currently held beliefs and assumptions of the management Network People Services Technologies Ltd (“Company” or “NPST Ltd.”), which are expressed in good faith and in their opinion reasonable, including those relating to the Company’s general business plans and strategy, its future financial condition and growth prospects and future developments in its industry and its competitive and regulatory environment.Forward-looking statements involve known and unknown risks, uncertainties and other factors, which may cause the actual results, financial condition, performance or achievements of the Company or industry results to differ materially from the results, financial condition, performance or achievements expressed or implied by such forward-looking statements, including future changes or developments in the Company’s business, its competitive environment and political, economic, legal and social conditions. Further, past performance is not necessarily indicative of future results. Given these risks, uncertainties and other factors, viewers of this presentation are cautioned not to place undue reliance on these forward-looking statements. The Company disclaims any obligation to update these forward-looking statements to reflect future events or developments. This presentation is for general information purposes only, without regard to any specific objectives, financial situations or informational needs of any particular person. This presentation does not constitute an offer or invitation to purchase or subscribe for any securities in any jurisdiction, including the United States. No part of it should form the basis of or be relied upon in connection with any investment decision or any contract or commitment to purchase or subscribe for any securities. None of our securities may be offered or sold in the United States, without registration under the U.S. Securities Act of 1933, as amended, or pursuant to an exemption from registration there from.This presentation is confidential and may not be copied or disseminated, in whole or in part, and in any manner. Valorem Advisors Disclaimer: Valorem Advisors is an Independent Investor Relations Management Service company. This Presentation has been prepared by Valorem Advisors based on information and data which the Company considers reliable, but Valorem Advisors and the Company makes no representation or warranty, express or implied, whatsoever, and no reliance shall be placed on, the truth, accuracy, completeness, fairness and reasonableness of the contents of this Presentation. This Presentation may not be all inclusive and may not contain all of the information that you may consider material. Any liability in respect of the contents of, or any omission from, this Presentation is expressly excluded. Valorem Advisors also hereby certifies that the directors or employees of Valorem Advisors do not own any stock in personal or company capacity of the Company under review. For further details, please feel free to contact our Investor Relations Representatives:Mr. Anuj SonpalValorem AdvisorsTel: +91-22-35075100Email: npst@valoremadvisors.comInvestor Kit Link: https://www.valoremadvisors.com/npst Disclaimer
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Thank You!