DiGiSPICE Technologies Management Guidance Tracker

Management expects steady-state gross margins in the range of 44-45% on a quarterly average basis.

The credit engine (lending business) is expected to achieve EBITDA positivity in Q1 FY27.

Management expects credit distribution (secured loans) to scale meaningfully in the second half of FY27 after building the open API stack.

Management expects PAT to grow at 20% year-on-year for the next 2-3 years, driven by operating leverage and new product scaling.

Management expects UPI cashpoint volumes to reach half of the Aadhaar cash withdrawal business within 1-2 years.

Spice Money plans to enable UPI-based cash withdrawals at agent points by the end of Q4 FY26.

The loss from discontinued business (PAD) is expected to be reduced to zero by the first half of FY27.