Digispice Technologies Ltd
NSE:DIGISPICE

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Digispice Technologies Ltd
NSE:DIGISPICE
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Price: 16.35 INR 1.18% Market Closed
Market Cap: ₹3.8B

Digispice Technologies Ltd
Investor Relations

DiGiSPICE Technologies Ltd. is a telecommunications mobile company, which engages in trading of mobile handsets and accessories. The company is headquartered in Noida, Uttar Pradesh. The company went IPO on 2008-05-27. The firm's segments include Digital Technology Services (DiGiSPICE) and Financial Technology Services (Spice Money). The DiGiSPICE segment is engaged in information and communication technology business, providing value-added services to the telecom operators and development and sale of telecom-related software. The Spice Money segment is engaged in providing financial technologies services, such as domestic money transfer (DMT) services, aadhar enabled payment services (AEPS), Bharat Bill payment system (BBPS) and other related services. Its product and services include DiGi Entertainment Solutions, DiGi Government Solutions, DiGi Financial Solutions, DiGi Enterprise Solutions, DiGi Identifier and Korero Platforms.

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DIGISPICE
BSE Sensex 30
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Last Earnings Call
Fiscal Period
Q3 2026
Call Date
Feb 19, 2026
AI Summary
Q3 2026

Muted Quarter: Q3 was a soft quarter for DiGiSPICE, with a 4% sequential decline in customer GTV and lower revenue, mainly due to seasonality and past subsidy flows.

Profitability Up: Despite muted GTV, operating leverage drove a strong rise in profit, with 9-month PAT reaching INR 21 crores versus INR 4 crores last year.

Gross Margin: Gross margin held steady, down only 1% QoQ, and improved to 47% of revenue, helped by better product mix and operational efficiencies.

Lending Growth: Lending business grew rapidly; Q3 loan disbursements nearly matched the full prior year, validating the credit model for the agent base.

Product Expansion: New products in insurance, secured cards, and savings were launched, with strong agent adoption and plans for further expansion.

Agent Network: Agent base grew to 1.6 million, serving 27 million customers monthly across 2.55 lakh small towns.

Guidance: Management expects growth to resume as product pipelines scale up and market headwinds (e.g., MFI and NBFC consolidation) ease.

Key Financials
Gross Margin
47%
PAT (9 months)
INR 21 crores
PAT (Q3)
INR 2.4 crores
PAT (9 months, after notional gain/loss)
INR 16.5 crores
Agent Base
1.6 million agents
Small Towns Covered
2.55 lakh towns
Customers Served Monthly
27 million
AePS Market Share (Off-Us segment)
18.64%
CASA Accounts Opened
15 lakh+ accounts
CASA Float Balance
INR 260 crores
Average CASA Balance
INR 2,000
Lending Disbursements (Q3)
INR 19.2 crores
Loan Disbursement Growth (YoY, value)
2.6x YoY
Loan Disbursement Growth (YoY, volume)
2.1x YoY
Insurance Policies Sold (since Q2)
10,000 policies
FD-backed Credit Cards Sold
2,500 cards
Active SMAs for Credit Cards
10,000
Other Earnings Calls

Management

Ms. Ruchi Mehta
VP of Corporate Affairs, Company Secretary & Compliance Officer
No Bio Available
Mr. Binu Varghese
Vice President of Legal
No Bio Available
Mr. Rohit Ahuja
Executive Director
No Bio Available
Mr. Vikas Bansal
Vice President of Taxation
No Bio Available
Mr. Venkatramu Jayanthi
President & Executive Director
No Bio Available
Mr. Vineet Mahajan
Chief Financial Officer
No Bio Available
Mr. Lakhvinder Singh
General Manager of HR & Admin
No Bio Available
Mr. Sunil Kumar Kapoor
Group Finance, Risk & Compliance Head
No Bio Available
Rahul Kapil
Head of Data Science
No Bio Available

Contacts

Address
UTTAR PRADESH
Noida
S Global Knowledge Park, 19A & 19B, Sector 125
Contacts
+911203355131
www.digispice.com
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