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What were the key revenue drivers?
Summarise the strategy section
What risks are mentioned?
Compare Q1 and Q3 performance
AR
What were the main revenue growth drivers in 2024 according to the report?
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According to the Annual Report 2024, revenue growth was driven by three primary factors:
1. South Asian Market Expansion — The company reported 23% year-on-year revenue growth, with the South Asian market as the dominant contributor. Geographic expansion into Tier-2 cities accounted for approximately 40% of new customer acquisition.
2. Digital Transformation Initiative — This programme contributed ₹4.2 crore to top-line growth, primarily through the new self-service portal which reduced operational costs while increasing transaction volume by 31%.
3. Optimised Customer Acquisition — Customer acquisition costs declined 18% through a shift from broad media to performance-based digital channels, improving overall unit economics.
1. South Asian Market Expansion — The company reported 23% year-on-year revenue growth, with the South Asian market as the dominant contributor. Geographic expansion into Tier-2 cities accounted for approximately 40% of new customer acquisition.
2. Digital Transformation Initiative — This programme contributed ₹4.2 crore to top-line growth, primarily through the new self-service portal which reduced operational costs while increasing transaction volume by 31%.
3. Optimised Customer Acquisition — Customer acquisition costs declined 18% through a shift from broad media to performance-based digital channels, improving overall unit economics.
Source Chunks Retrieved
📄 Page 14 § Revenue Overview
📄 Page 31 § Digital Strategy
📄 Page 47 § Market Expansion
Confidence
91%
AR
What risks did they flag for 2025?
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The report identifies four key risk categories for 2025:
Regulatory Risk — Upcoming data localisation requirements may necessitate infrastructure investments of ₹80–120L.
Competitive Pressure — Three new entrants in the South Asian market were named, with two backed by international capital.
Talent Acquisition — Engineering and data science roles remain the hardest to fill, with average time-to-hire at 94 days.
Currency Volatility — ~12% of revenues are USD-denominated; a sustained appreciation of INR could compress margins by 1.5–2%.
Regulatory Risk — Upcoming data localisation requirements may necessitate infrastructure investments of ₹80–120L.
Competitive Pressure — Three new entrants in the South Asian market were named, with two backed by international capital.
Talent Acquisition — Engineering and data science roles remain the hardest to fill, with average time-to-hire at 94 days.
Currency Volatility — ~12% of revenues are USD-denominated; a sustained appreciation of INR could compress margins by 1.5–2%.
Source Chunks Retrieved
📄 Page 68 § Risk Factors
📄 Page 71 § Regulatory Environment
Confidence
87%