MOBIKWIK Q2 FY27: RECORD PAT AT ₹11.8 CR; EBITDA AT ₹22.7 CR, LENDING DISBURSALS UP 47% QOQ & TARGETS AI-FIRST OPERATIONS BY FY28

• FY28 AI Guidance: Management targets becoming an AI-first organisation by FY28, integrating AI across engineering, lending, customer service and risk management • Quarterly Results: Revenue increased 9% YoY to ₹295.7 Cr, while EBITDA reached ₹22.7 Cr versus loss of ₹6.4 Cr YoY, marking its highest-ever quarterly EBITDA • Record Profitability: PAT reached ₹11.8 Cr versus loss of ₹28.6 Cr YoY, up 55% QoQ, marking its highest-ever quarterly profit • Profitability Momentum: Reported its fourth consecutive profitable quarter, supported by operating leverage and improving business margins • EBITDA Margin: Improved to 7.5% from negative 2.3% YoY and 5.5% QoQ, reflecting stronger operating efficiency • Record Payments GMV: Platform GMV increased 35% YoY and 1.7% QoQ to ₹59,677 Cr, reaching an all-time quarterly high • Merchant Payments Growth: Revenue from Merchant Payments surged 150% YoY, supported by growing transaction volumes and merchant adoption • Payments Margin Expansion: Payments gross margin improved 884 bps YoY to 38.2% from 29.4%, reflecting better unit economics • Lending Business Growth: Lending disbursals surged 34% YoY and 47% QoQ to ₹1,082.6 Cr, crossing the ₹1,000 Cr quarterly milestone • Credit AUM Growth: Credit Partner AUM increased 19% YoY to ₹1,488 Cr, while activated credit users increased to 17.4 lakh from 14.2 lakh • Financial Services Profitability: Gross profit more than doubled YoY to ₹57.1 Cr, while net financial services margin improved to 5.27% from 3.17% • Contribution Profit: Increased 50% YoY to ₹143.9 Cr, with contribution margin improving to 47.5% from 34.4% YoY and 44.5% QoQ • AI Engineering Efficiency: AI-generated code increased to 92% from 80% QoQ, contributing to 55% faster go-to-market execution • AI Collections Platform: AI now handles 55% of early collections, improving collection rates by 33%, while voice AI delivers 30–40% higher customer connect rates • AI Customer Service: Help LLM resolves 91% of customer queries, while 100% of customer interactions are audited for quality using AI • AI Risk Management: Management reports 100% AI-led fraud pattern detection, with AI resolving 40–70% of fraud-related grievances • Customer Base Expansion: Registered users increased to 19.63 Cr from 18.35 Cr YoY, supporting growth across digital payments and lending services • Future Growth Plans: Focused on scaling merchant payments, expanding digital lending, improving credit quality, increasing AI automation and strengthening operating profitability

ONE MOBIKWIK SYSTEMS LTD

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