plutos.one BBPS solution for banks

1. Full Suite of BBPS Solutions for Banks plutos ONE plutos ONE

2. The Bharat Bill Payment System plutos ONE

3. THE BHARAT BILL PAYMENT SYSTEM Users Bharat Bill Payment System (BBPS) is an integrated bill discovery and presentation system created and managed by the National Payments Corporation of India All digital recurring payments in India are done through BBPS All data and transactions are enabled by - and routed through - Technical Service Providers. TSPs are the only entities authorised to talk to the BBPS Central Unit plutos ONE is licensed and empanelled as a BBPS COU and BOU TSP by NPCI plutos ONE

4. MARCH 2024 DIGITAL BILL PAYMENTS ARE STILL UNAVAILABLE TO MOST INDIANS CUSTOMER OPERATING UNITS PHONEPE INDIA IDEAS COM LIMITED VALUE (Cr) 17802 Public Sector and Cooperative Banks account for 1.7% of Digital Bill Payments in India 6132 EURONET SERVICES INDIA PRIVATE LIMITED PAYU PAYMENTS PRIVATE LIMITED HDFC BANK LIMITED PAYTM PAYMENTS BANK LIMITED SPICE MONEY LIMITED 2976 1146 1617 479 432 Private Banks 10.3% ONE MOBIKWIK SYSTEMS PRIVATE LIMITED ICICI BANK LIMITED INFIBEAM AVENUES LIMITED AIRTEL PAYMENTS BANK LIMITED AXIS BANK LIMITED 412 558 273 221 302 CSC E GOVERNACE SERVICES INDIA LIMITED KOTAK MAHINDRA BANK LIMITED THE FEDERAL BANK LIMITED STATE BANK OF INDIA 63 338 46 393 200M MAU Flat for 24 months THE JAMMU AND KASHMIR BANK LIMITED TJSB SAHAKARI BANK LIMITED IDFC BANK LIMITED BANK OF BARODA INDIA POST PAYMENTS BANK YES BANK LIMITED INDUSIND BANK LIMITED THE SOUTH INDIAN BANK LIMITED CANARA BANK FINO PAYMENTS BANK RBL BANK LIMITED STANDARD CHARTERED BANK UNION BANK OF INDIA LIMITED TAMILNAD MERCANTILE BANK LIMITED 31 52 71 52 10 127 76 21 51 10 22 13 19 19 Private Fintech 87.8% The 650 Million PSB Customers and 250 Million Cooperative Bank Customers are, overwhelmingly, not using Digital Bill Payments and, therefore, Consumer Fintech plutos ONE

5. The plutos ONE Bill Payments Stack Youngest TSP with complete stack of Latest Technology & Engagement Solutions plutos ONE

6. THE PLUTOS ONE BILL PAYMENTS STACK Technology Solutions for Accepting Bill Payments from Customers COU TSP Rewards for Customers for every Bill Payment Transaction Incentives & Engagement Chatbot-led Bill Payments on the Customers’ Platform of Choice Payments on WhatsApp Allow the Bank to quickly onboard and activate new Agent Institutions AI-as-a-Service Allow Customers to set AutoPay on their Bills with their Bank Cards Standing Instruction Management Platform Technology Solutions for Issuing Bills from Biller and Accept Payments BOU TSP Digitizing Bank Current Accounts and Connecting to the BBPS Network Biller Onboarding Services plutos ONE

7. COU TSP Enabling Bill Payments for Bank Customers plutos ONE

8. COU TSP - BACKEND SERVICES FOR BILL PAYMENTS Bharat Bill Payment System (BBPS) is a Reserve Bank of India (RBI) conceptualized system which offers integrated, accessible and interoperable bill payment services to consumers across geographies with certainty, reliability and safety of transactions. Interoperable Complaint and Dispute Management No need to integrate with multiple consumer apps or billers individually One integration provides access to entire consumer and biller base Standardized system to handle customer grievances Streamlined mechanism to resolve disputes related to transactions ● ● ● ● Accessible Brand Connect Accept bill payments through any channel ● Digital - Cards, UPI, NetBanking ● Physical - Cash Single and trusted brand connect: ● Created by RBI ● Operated by NPCI Cost Effective Clearing and Settlement Fewer integrations lead to lower integration and transaction processing costs Multiple clearing and guaranteed settlements between different parties Standardized TAT ● ● plutos ONE

9. BILLER TO CONSUMER TRANSACTION COU TSP BOU TSP Customer Operating Unit TSP validates fetch/payment request and forwards request to NPCI Biller Operating Unit TSP validates fetch/payment request and calls the biller system Customer App Customer opens app and enters unique ID to initiate fetch payment transaction BBPCU Biller BBPS Central Unit identifies relevant BOU for the fetch/payment call based on the biller being called and passed the request Biller validates fetch/payment call and returns appropriate response along with required details plutos ONE

10. SCOPE OF BBPS - ALL RECURRING AND NON-RECURRING PAYMENTS HOME AND UTILITY PAYMENTS Electricity Landline Rent Piped Gas LPG Water Cable Mobile Postpaid Cable FINANCIAL SERVICES RECHARGES Credit Card Loan EMI Insurance Municipal Taxes Mobile Prepaid DTH FASTag OTHERS The scope of BBPS is growing as more Categories and Use Cases are added to the Platform Subscription Housing Society Hospital Education Clubs and AssociationsMunicipal Services Recurring Deposit plutos ONE

11. Thank You for Exploring BBPS Solutions by plutos ONE! For more information, visit: www.plutos.one