Infibeam Avenues Limited , a leading fintech company, has reported its highest-ever quarterly performance for Q2, marking a significant milestone in its growth trajectory. The company's results showcase strong execution, disciplined growth, and sustainable profitability.

Financial Highlights

Infibeam Avenues achieved remarkable financial results in Q2:

The company's EBITDA margin stood at 61% of net revenue, while the PAT margin reached 42%, underscoring profitability even as investments in AI infrastructure and consumer expansion continue.

Strategic Transformation

Infibeam Avenues is transitioning into a hybrid B2B-B2C organization, combining AI-driven fintech infrastructure through CCAvenue with consumer platforms under Rediff. This evolution positions the company at the intersection of payments and artificial intelligence, creating a balanced portfolio across both ecosystems.

Key Developments

Regulatory Approvals

Infibeam Avenues received in-principle authorizations from the Reserve Bank of India to issue prepaid payment instruments (PPIs) under the brand CCAvenue Go. The company also secured IFSCA in-principle approval for its subsidiary to operate as a payment service provider at GIFT-IFSC.

AI Integration

The company launched CCAvenue CommerceAI, integrated with PayCentral.AI, creating what it describes as the world's first agentic payment framework where verified AI agents can initiate and process payments autonomously.

International Expansion

Operations in UAE and Saudi Arabia are scaling rapidly, processing billions of dirhams annually, with Oman set to launch next. The company expects international payments to contribute double-digit net revenue within the next 12-18 months.

Strategic Partnerships

Infibeam Avenues partnered with Sree Narayana Guru Co-operative Bank and integrated its net banking platform with TJSB Sahakari Bank, expanding its reach into the co-operative banking segment and strengthening its merchant acquisition pipeline.

Future Outlook

Vishal Mehta, Chairman and Managing Director of Infibeam Avenues, stated, "We are now approaching an annual revenue run rate of nearly $1 billion, something we had talked about in 2023. Based on this current trajectory, we expect to close at the higher end of our guidance range."

The company's focus remains on absolute EBITDA growth, sustainable cash generation, and long-term shareholder value creation. With its performance and strategic initiatives, Infibeam Avenues aims to capitalize on the growing fintech and AI-driven market opportunities.

As the company continues to innovate and expand its offerings, investors and market watchers will be keen to observe how Infibeam Avenues leverages its AI-first approach and regulatory approvals to drive future growth and maintain its competitive edge in the rapidly evolving fintech landscape.

Infibeam Avenues , a leading fintech company, has achieved a significant milestone in its expansion plans. The Reserve Bank of India (RBI) has granted the company final authorization to operate as a physical payment aggregator, complementing its existing online payment aggregator license.

Expanding Payment Processing Capabilities

The approval, received on November 14, 2025, allows Infibeam Avenues to extend its payment processing services to the physical retail segment. This development is expected to broaden the company's reach in the digital payments ecosystem, enabling it to serve a wider range of merchants across India.

Regulatory Compliance and Market Impact

The authorization was granted under the Payment and Settlement Systems Act, 2007, highlighting the company's adherence to regulatory standards. This move may strengthen Infibeam Avenues' position in the competitive fintech landscape, potentially opening up new revenue streams in the physical retail space.

Strategic Implications

For Infibeam Avenues, this approval represents a strategic expansion of its service portfolio. The company can now offer a comprehensive suite of payment solutions, catering to both online and offline merchants. This dual capability may enhance its value proposition in the market.

Financial Outlook

While specific financial projections were not provided, the expansion into physical payment aggregation could potentially impact the company's future revenue and growth prospects. Investors and market analysts may be interested in observing how this new capability translates into business performance in the coming quarters.

As the fintech sector continues to evolve, Infibeam Avenues' latest regulatory approval positions it to potentially capitalize on the demand for integrated payment solutions across various retail channels.