DIGISPICE TECHNOLOGIES LIMITED — Regulatory Filings 2021

Nov 15, 2021

November 15, 2021

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BSE Limited

Phiroze Jeejeebhoy Towers Dalal Street, Mumbai – 400 001 Scrip Code: 517214

National Stock Exchange of India Limited

Exchange Plaza, Plot No. C/1, G Block Bandra – Kurla Complex, Bandra (E) Mumbai – 400 051 Scrip Code: DIGISPICE

Sub: Results Presentation

Dear Sir/Madam,

Pursuant to Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find attached herewith the Results Presentation on the Financial Results of the Company for the quarter and half year ended 30[th] September, 2021.

These may be used by the Company for potential meetings with analysts and investor community and will also be available on the website of the Company i.e. www.digispice.com.

You are requested to kindly take the above on record and oblige.

Thanking you.

Yours faithfully, for DiGiSPICE Technologies Limited

MEGHRAJ BOTHRA Digitally signed by MEGHRAJ BOTHRA DN: c=IN, st=Delhi, 2.5.4.20=1e047b4394bcf4c5de5a2639f513863aef84549a8b2d054ffc19a6606d774e57, postalCode=110034, street=2890/1sf sant nagar rani bagh, serialNumber=c32479ccd87a4ef81e06f955d3a91f5d1b6ae7532fb94d948a50c7d2b1ff9f20, o=Personal, cn=MEGHRAJ BOTHRA, pseudonym=0a92d80d6922c0b6c9669e4cd73dbbdb Date: 2021.11.15 11:44:03 +05'30'

(M. R. Bothra)

Vice President - Corporate Affairs & Company Secretary

Encl.: as above

DiGiSPICE Technologies Limited

(Formerly Spice Mobility Limited) CIN- L72900DL1986PLC330369 Regd. Office: 622, 6[th] Floor, DLF Tower A, Jasola Distt. Center, New Delhi- 110025, Tel: +91 11 41251965 Corp. Office: Spice Global Knowledge Park, 19A & 19B, Sector-125, Noida- 201301, Uttar Pradesh, India, - Tel: +91 120 5029101

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DiGiSPICE Technologies Ltd.

Q2FY22 Results Presentation Nov 15, 2021

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Disclaimer

This presentation has been prepared by DiGiSPICE Technologies Limited (the “Company”) solely for your information and may not be distributed, reproduced, or redistributed or passed on directly or indirectly to any other person, whether within or outside your organization or firm, or published in whole or in part, for any purpose by recipients directly or indirectly to any other person. The Company may alter, modify or otherwise change in any manner the contents of this presentation, without obligation to notify any persons of such change or changes This presentation may contain certain forward-looking statements based on the currently held beliefs and assumptions of the management of the Company which are expressed in good faith and in their opinion, reasonable. These statements include descriptions regarding the intent, belief or current expectations of the Company or its directors and officers with respect to the results of operations and financial condition of the Company. Such forward-looking statements are not guaranteeing of future performance and involve risks and uncertainties, and actual results may differ from those in such forward-looking statements as a result of various factors and assumptions which the Company believes to be reasonable in light of its operating experience in recent years. Many factors could cause the actual results, performances, or achievements of the Company to be materially different from any future results, performances, or achievements. Significant factors that could make a difference to the Company’s operations include, but are not reasonable to, domestic and international economic conditions, changes in government regulations, tax regime and other statutes. The Company does not undertake to revise any forward-looking statement that may be made from time to time by or on behalf of the Company. This presentation contains certain supplemental measures of performance and liquidity that are not required by or presented in accordance with Indian GAAP, and should not be considered an alternative to profit, operating revenue or any other performance measures derived in accordance with Indian GAAP or an alternative to cash flow from operations as a measure of liquidity of the Company. In no event shall the Company be responsible to any person or entity for any loss or damage, whether direct, indirect, incidental, consequential or otherwise, arising out of access or use or dissemination of information contained in this presentation, including, but not limited to, loss of profits. No representation, warranty, guarantee or undertaking (express or implied) is made as to, and no reliance should be placed on, the accuracy, completeness or correctness of any information, including any estimates, targets and opinions, contained herein, and no liability whatsoever is accepted as to any errors, omissions or misstatements contained herein and, accordingly, none of the Company, its advisors and representative and any of its or their affiliates, officers, directors, employees or agents, and anyone acting on behalf of such persons accepts any responsibility or liability whatsoever, in negligence or otherwise, arising directly or indirectly from this presentation or its contents or otherwise arising in connection therewith. You must make your own assessment of the relevance, accuracy and adequacy of the information contained in this presentation and must make such independent analysis as you may consider necessary or appropriate for such purpose. Any opinions expressed in this presentation are subject to change without notice and past performance is not indicative of future results. By attending this presentation, you acknowledge that you will be solely responsible for your own assessment of the market and the market position of the Company and that you will conduct your own analysis and be solely responsible for forming your own view of the potential future performance of the Company’s business. This presentation and its contents are not and should not be construed as a prospectus or an offer document, including as defined under the Companies Act, 2013, to the extent notified and in force) or an offer document under the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018, as amended. This presentation is not for publication or distribution or release in any country where such distribution may lead to a breach of any law or regulatory requirement. The information contained herein does not constitute or form part of an offer, or solicitation of an offer to purchase or subscribe, for securities for sale. The distribution of this presentation in certain jurisdictions may be restricted by law and persons into whose possession this presentation comes should inform themselves about and observe any such restrictions. None of the Company’s securities may be offered or sold in the United States without registration under the U.S. Securities Act of 1933, as amended, except pursuant to an exemption from registration there from. By accessing this presentation, you accept that this disclaimer and any claims arising out of the use of the information from this presentation shall be governed by the laws of India and only the courts in Delhi, and no other courts, shall have jurisdiction over the same.

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Agenda
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▪ Highlights ▪ Financial Technology Services - Spice Money ▪ Digital Technology Services

• Consolidated Financials

• Annexures

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Building Digital Platforms
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Financial Technology Business

Digital Technology Business

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SPICE
MONEY
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DIGITAL DIGITAL
ENTERPRISE TELCO
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Update
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Fintech Business

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Continued focus on the flywheel strategy of growth. Our marketing campaigns during Q4FY21 and Q1FY22 led to accelerated Entrepreneur base growth. Now translating into transactions and revenue growth during the last 2 quarters.

• Adhikari base grew to 802k (end of Q2FY22) - Addition of 119k during the quarter and 414k in the last 12 months.

• Repeat customers transacted on AePS grew to 25Mn from 21 Mn in Q1 and 17 Mn in Q2FY21

• Gross Transaction Value (GTV) during the quarter was INR 32.5k cr. Within this, Customer GTV grew 9% q-o-q and 81% y-o-y.

• Continued focus on investing in capacity and capabilities buildout (brand, tech and organization) to leverage long term growth potential in rural.

Launched a new rural travel tech platform Travel Union. Witnessing good initial traction.

Launching a rural lendtech platform in a joint venture with Tarya group, a leading digital community lending platform in Israel.

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Building a purpose driven and transparent work culture with the objective of attracting and retaining the best talent. Spice Money got certified as "Great Place to Work"

Digital Technologies Business

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Continued focus on product development and customer buildout on two new business lines - Korero Platforms and Digital Telco. Encouraging initial traction.

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Building Digital Platforms
Financial Technology Business Digital Technology Business
SPICE
DIGITAL ENTERPRISE DIGITAL TELCO
MONEY
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India’s leading Rural Fintech Platform

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Management Team
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Leading with expertise & experience

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Dilip Ramesh Abhay Sanjeev Rajneesh Sunil Vivek Srivaths Varundeep
Modi Venkatraman Aima Kumar Arora Kapoor Venkatesan Varadharajan Kaur
Founder Advisory Board Advisory Board Chief Executive Chief Innovation & Executive Chief Financial Chief Operating Chief Information
Member Member Officer Strategy Officer Director Officer Officer Technology Officer
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Sameer Nagpal Vishal Jain Bishnu Mohanty Ram Kumar Atul Tiwari Amit Sharma Rahul Kapil Kuldeep Pawar Chief Business Chief Business COO – Travel Head - CMS & Head - HR Head - Care & Head - Data Head – Officer Officer Union New Verticals Customer Science Marketing (Lendtech) Lifecycle

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To be the moNew Product s - Launcht Admired Fintech Brand in Rural India
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Building the largest distribution network in rural India. Network Coverage of almost all districts with 8 lakh Adhikaris Platform Robust and scalable tech platform with roadmap of microservices based open API architecture

Product Building the largest product marketplace for 1 billion consumers Brand Building a trusted brand in rural India Strong management team with experience and expertise Team driven by professional entrepreneurship culture Business Model Asset Light business model with positive unit economics

Performance Strong business and financial performance over the last 6 quarters Track Record

9

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Building a Phygital Super App for Bharat
Assisted Shopping mATM
Delivery Cash Withdrawal
Cash on Delivery Cash Deposit
Balance Enquiry
Remittance
Digital Payment
E-Pharmacy
Bill Payment
Diagnostics
Mobile/DTH Recharge
Telemedicine
Loan repayments
Bharat Enterprise Cash Management
Consumer
Savings
Government to Citizen
Insurance
Services
Credit
Digital payments Ticketing
CRM Tour Packages
Khata Visa/Passport Services
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Launching new Products for BharatNew Products - Launch
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Launch of Travel Union : India’s first Rural Travel Super Aggregator

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Building the community led rural lending model - JV with Tarya

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• Tarya group is a leading P2P banking platform in Israel with AUM of $800M and approx 70% market-share in P2P business in Israel

• 8 years experience in running digital lending business with –

• diverse business models Mortgage, Vehicle, POS, BNPL, Embedded Finance

• To build rural lending model overcoming the challenges of access, data and collection

• New Entity formed as “ Vikasni Fintech Private Ltd ”

Launched in Aug 2021

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Key Metrics
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AePS Market Share (%)
15.8
13.7
11.8
8.9
FY19 FY20 FY21 H1FY22
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Spice Money Adhikaris ‘000 (Entrepreneurs/Kirana Stores) 802 683 388 Q2FY21 Q1FY22 Q2FY22

*AePS off-us value market share

Gross Transaction Value (INR.‘000 Cr)

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Customer GTV
32.5
31.1
Entrepreneur GTV
9% qoq
Growth
19.2 17.8 19.4
81% yoy
Growth
10.7
13.4 13.1
8.5
Q2FY21 Q1FY22 Q2FY22
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Gross Transaction Value (GTV) is the value of revenue generating transactions processed on our platform (i.e. transactions which are not generating revenue for us are not included)

GTV includes:-

1. Customer GTV refers to the value of transactions done by the Customers (Assisted by Entrepreneurs). This is the primary driver of service fee revenue.

2. Entrepreneur GTV refers to the value of transactions done by the entrepreneurs

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Steady Revenue Momentum driven by Adhikari Growth
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900 90
80
800 Driven by marketing 80
campaigns
69
700 70
Increased flow
600 54 60
from pandemic
related subsidies 49
500 50
44
40
400 40
300 25 30
24 24
23
200 20
100 10
0 0
Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22
Adhikaris (' 000) Service Fee Revenue (in INR.Cr)
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*Excludes subscription rental revenue and one-offs

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Creating a strong repeat end consumer franchise
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Repeat* Consumers transacted on AePS (In Mn)

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25
21
17 17
16
11
6
6
5
4
1
1 2 3
Q1FY19 Q2FY19 Q3FY19 Q4FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22
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While focusing on adding new customers through increase in reach, Spice Money is also building a strong repeat customer franchise.

*Repeat customers transacted during the quarter means returning customers who have transacted in earlier periods.

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Financial Metrics
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Particulars (Rs. Crs)	Q2FY21	Q1FY22	Q2FY22		Q-o-Q	Y-o-Y		• Customer GTV driven by growth in Adhikari base and growth in new products • Service Fee Revenue is driven by transactions and is the primary driver of margins. • Airtime Revenue represents the entire transactions value of recharge business and therefore has a different margin profile. • In line with our strategy to drive a transaction led revenue growth model, we launched a zero fee marketing campaign in Q4FY21, which meant giving away subscription, acquisition and device margins. This strategy has paid off and has led to growth of key metrics. • Looking at the long term scale opportunity in rural, have made planned investments in brand, tech and organization (both capacity and capability) over the last 4 quarters. We intend to continue to invest in these areas. • EBITDA is before other income and exceptional items • * EBDT includes the interest income earned on prepaid balances. (INR 2cr in Q2FY22)
1. Customer GTV (A)	10,739	17,754	19,418		9%	81%
2. Revenue 137 202 203
2. Revenue	137	202	203		0.4%	48%
Service Fee Revenue (B)	44	69	80		16%	82%
Airtime Revenue	85	130	118		-9%	39%
Subscription, Acquisition & Device Revenue	9	3	5		75%	-42%
3. Gross Margin (GM)	20	24	29		23%	46%
Service Fee (C )	16	22	27		23%	66%
Airtime	1	2	2		-6%	61%
Subscription, Acquisition & Device	3	0	1		845%	-76%
					10%	67%
					95%	7%
					76%	17%

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Building Digital Platforms
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Financial Technology Business

Digital Technology Business

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SPICE
MONEY
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DIGITAL ENTERPRISE

DIGITAL TELCO

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Management Team
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Rohit Ahuja Executive Director

Anuj Malhotra Chief Business Officer Enterprise Business (Korero Platforms)

Sandeep Kaushal Head Technology & Product Enterprise Business (Korero Platforms)

Vishal Gupta Chief Business Officer Telco Business

Prashant Hansraj Head Technology & Product Telco Business

Vinit Kishore Chief Financial Officer

Lakhvinder Singh Head HR & Admin

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Financials (Digital Technology Services)
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Revenue (INR cr)

Revenue Profile

• Enterprise Mobility Revenue

EBITDA* (INR cr)

Improvement in EBIDTA is driven by revenue growth in enterprise mobility business

• Digital Telco revenue

• Others – Primarily Telco Voice VAS

Digital Telco business is showing good initial traction with 30% q-o-q growth and 147% y-o-y growth.

Enterprise revenue in the previous quarter was subdued due to DLT implementation.

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37
34
26
23
25
17
1.4
2.6
13 3.3
6 5
Q2FY21 Q1FY22 Q2FY22
Other Digital Telco Enterprise
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0.5
(3)
( 0.5)
Q2FY21 Q1FY22 Q2FY22
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• EBITDA is before other income and exceptional items

Consolidated Financials

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Consolidated Financials Overview (Quarter wise)
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Gross Revenue (INR cr) EBITDA (INR cr) PAT (INR cr)
237
229
8
6
6
175
4
1
(2)
Q2FY21 Q1FY21 Q2FY22 Q2FY21 Q1FY21 Q2FY22
Q2FY21 Q1FY22 Q2FY22
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• Excludes Exceptional Items

• ** Before Discontinued Operations

PAT in Q2FY21 included Rs. 6 cr towards sale of entire stake in an associate entity

Annexures

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Solving the last mile banking infra problem in Rural India
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Problem Technology Stack
500 Bank Branch, in 000 ATMs,in 000 422
PMJDY acc, in million 383
400 353
314
282
300 214
199 208 207 202 211 213
200
100 141 147 149 152 156 158
-
FY16 FY17 FY18 FY19 FY20 FY21
Crisil Research estimates AePS market size for FY22 as Rs. 296k cr
and FY25 as Rs. 639k cr in the published Industry report named
“Digitalisation of financial services, payments & remittances market
in India” dated – Oct’21
Number of bank account holders has
significantly grown in India driven by a
massive government push and direct benefit
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Number of bank account holders has significantly grown in India driven by a massive government push and direct benefit transfer program. However, Bank Branch and Bank ATM infrastructure has not kept pace especially in semi urban and rural India.

1.24 Billion+ Aadhaar enrolled citizens with majority of them having bank account linked to Aadhaar.

Solution

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Spice Money Adhikari App + Aadhaar Biometric Device

Enabling Customers to avail ATM and banking services using Aadhaar Enabled Payment System at their next door kirana store.

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	Product Partners	Entrepreneurs empowered by Spice Money Adhikari App	Entrepreneurs empowered by Spice Money Adhikari App	Consumers
Core Services	Bank		• Cash withdrawal (Aadhaar) • Ticket Booking • Money Transfer • Insurance • Bill Payment • Pan Card • Loan • Online Shopping • Cash Transfer • Cash Deposit • Cash Withdrawal (Card) • Loan Repayment
	NPCI
	NBFCs
	Insurance Cos
	Other Payment Partners
Leverage Distribution & Increase Entrepreneur Earnings	E-Commerce
	Travel Partners
	Healthcare
	Government
	Other Product Partners
Building Blocks	Access and engagement Access and engagement with millions of entrepreneurs and consumers	Proprietary Data Enabling credit profiling and personalized recommendations	product	Open API Architecture Enabling multiple product partners to provide customized services to rural entrepreneurs & consumers

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Investing behind Accelerated Transactions Growth
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• Positive unit economics business model

• Operating leverage to be driven by transactions growth

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Growth Levers
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• Removing entry barriers (Eg. zero entry fee, and zero rental since Feb21) with focus on long term transactions revenue growth

• Expanding geographical reach

• Deepening presence in key clusters

Spice Money

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Accelerating Growth of Entrepreneurs
Network (Spice Money Adhikaris)
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• Strengthen core banking and payments use cases with new products

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Expanding Service Portfolio
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• Enable delivery of financial services (savings, insurance, credit) and digital services (travel, healthcare, government services, etc)

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Enhancing Brand Visibility
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• Aspire to emerge as the most trusted FinTech brand in rural India

• Entered into strategic partnership with Sonu Sood to design new initiatives and products that will bridge the divide between rural and urban India

USD 25 Bn

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Growth in Adoption of Digital Channels & Automation Platforms
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Communication Platform as a Service

• The total value of the CPaaS market is expected to reach $25 billion in 2025; rising from an estimated $7 billion in 2020.

• Over 95% of CPaaS revenue will be attributable to SMS in 2020 owing to the ubiquity of SMS amongst mobile subscribers. However, as alternative rich media messaging solutions gain traction, by 2025, SMS will drop to 70% of revenue.

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USD
7 Bn
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Source : Juniper Research 2020 2025
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Marketing Automation

• The global marketing automation market size is expected to grow from USD 3.3 billion in 2019 to USD 6.4 billion by 2024, at a CAGR of 13.9%.

• Enterprises are increasing focus on leveraging advanced technologies to automate the marketing process and enhance customer experience.

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USD
6.4 Bn
USD
3.3 Bn
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2019

2024

Source : MarketsandMarkets

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Korero Platforms : Our Digital Enterprise Offering
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NEW LAUNCH

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• Serving 3 out of top 5 in Fortune India 500 2020 list

• 83 live clients across BFSI, Utilities and other industries across Large Enterprises and MSMEs

• Omni channel communications platform – Telecom, OTT and IP channels. Higher growth expected from new, digital channels

• Channel orchestration for customized user journeys across life cycle

• Use of AI for contextual conversations and improved conversion rates

• Marketing automation - Create, manage and maximize the impact of marketing campaigns through digital engagement channels

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Growth in Digital Content Consumption
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High internet penetration is accelerating content demand, driven by personalized experience

• 4.72 billion globally used the internet in April 2021 – that’s > 60 % of the world’s total population

• Source: DataReportal – April 2021

• The average global internet user spends almost 7 hours online each day. Source: DataReportal – April 2021

• Global Video On Demand (VoD) Market to reach US $85 billion (out of total Digital Content Revenue of US $300 billion) by 2025 Source: Adroit Market Research – May 2021

• 83% of consumers are willing to share their data to create a more a personalized experience

Source: Forbes– Feb 2020

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Digital Telco Business : Our offerings
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• Digital Entertainment Products: Native Mobile Apps & Progressive Web Apps to deliver music, video, games, and other multimedia content over the Internet. The platform brings adaptive user experience, a state of art partner & content management system, and strong content delivery mechanism for rich digital experience to users. It also enables telecom operators to serve & monetize online content from various sources E.g., Local Content Provider, Major Labels, broadcasters and streaming services.

• Super App (DSA - Digital Service Aggregation): SuperApp or DSA is a platform developed for Global Telecom Operators & Enterprises to aggregate & offer their plethora of services under one umbrella. It enables to put together products and services that consumers expect in the market today. It supports multiple channels for driving engagement through discovery

• Self-Service Apps: A multi-channel smart mobility solution for telecom operators and enterprises helping them connect with their customers and offer them a DIY feature to access account information, handling services and requests, getting new products and services, connecting with customer care, etc. The solution reduces TCO, enhances revenue and ultimately results in improved CSAT.

Leveraging 30+ Telco client relationships across Asia, Africa and Middle East

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Digital Entertainment Products
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Music – 87%

Videos – 11%

Games – 2%

Aligning strategy & focus on videos and gaming, owing to greater revenue realization and associated interest

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Thank You
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Digispice Technologies Limited investor.relations@digispice.com

Gavin Desa / Suraj Digawalekar / Kshitij Sharma

CDR India

+91 98206 37649 / +91 98211 94418 / +91 98331 98439 gavin@cdr-india.com suraj@cdr-india.com kshitij@cdr-india.com

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