Intellect Design Arena Ltd., a global leader in AI-first financial technology, today announced robust financial results for the last twelve months (LTM) ending December 2025, alongside a major strategic expansion into the United States market with the launch of the world’s first AI-First Payments Platform.
The company reported a significant 23% year-on-year growth in total income, which reached INR 3,025 Crores for the LTM period. Profitability saw an even sharper rise, with EBITDA climbing 33% YoY to INR 709 Crores, underscoring efficient scaling and the high-margin nature of its business.
Strategic U.S. Foray with AI-Powered Payments
The cornerstone of today’s announcement is the launch of Intellect’s flagship AI-First Payments Platform in the competitive U.S. market. Described as the world’s only platform of its kind, it is designed as a low-code/no-code composable framework. This allows financial institutions to modernize their payment infrastructure without core system replacement, enabling rapid deployment of new payment rails like TCH RTP and FedNow.
The platform features a unified AI orchestration layer, branded Purple Fabric AI, which operates across all major U.S. payment systems. It provides real-time transaction validation, anomaly detection, and exception handling, aiming to deliver unprecedented speed, resilience, and competitive advantage for banks.
To support this launch, Intellect has significantly expanded its U.S. presence, establishing a New York headquarters, an Atlanta operations center, and an AI hub in Austin. The company reinforced its commitment through the strategic acquisition of Central 1’s digital banking operations and by investing over 2 million annual R&D hours across its North American centers.
Financial Performance Highlights
The LTM financial results reflect a successful transition towards high-value, recurring revenue streams:
High-Growth Revenues: Platform revenue skyrocketed 128% YoY to INR 497 Cr, while Annual Recurring Revenue (ARR) surged 60% to INR 1,118 Cr.
Strong Deal Momentum: The company added 53 new customers in the last twelve months for its digital stack, and 82 global institutions completed digital transformations using Intellect platforms.
Solid Profitability: Profit After Tax (PAT) grew 27% YoY to INR 361 Cr, even after accounting for a one-time exceptional item related to new labour codes.
III. Management Commentary
Arun Jain, Chairman and Managing Director, Intellect Design Arena Limited, said, “Crossing ₹3,000 crore in Last Twelve Months revenue, expanding EBITDA by 33% year-on-year and cash reserves at ₹1,198 crore marks a defining moment in Intellect business design algorithm. We have 3 sustainable & growth businesses in the form of wholesale banking, consumer banking and IntellectAI to capture three opportunity trends. Mainframe tech stack to cloud using eMACH.ai, composable wholesale & wealth management, and large potential of AI using Business Impact AI platform – Purple Fabric. We are currently deepening investments in AI and capacity-building, embedding AI-First principles across architecture, talent, and delivery, to unlock sustainable value creation globally.”
IV. Board Announcement
Appointment of Mr. D. Shivakumar as Additional Director (Independent Director)
The Board of Directors has approved the appointment of Mr. D. Shivakumar as an Additional Director, designated as an Independent Director, on the recommendation of the Nomination, Remuneration and Compensation Committee (NRCC). His appointment is for a term of five years, subject to the approval of the shareholders through a postal ballot by way of a Special Resolution.
Mr. D. Shivakumar is a seasoned business leader with extensive experience across Indian and multinational organisations. He is currently an Operating Partner at Advent International, a global private equity firm. Previously, he served as Group Executive President – Corporate Strategy at the Aditya Birla Group, Chairperson and CEO of PepsiCo India, and CEO for Emerging Markets at Nokia, where he played a key role in building the brand into one of India’s most trusted names. Mr. Shivakumar is an alumnus of IIT Madras, IIM Calcutta, and The Wharton School of Business, and has held several board and advisory roles across leading institutions
V. eMACH.ai Redefines Financial Transformation with AI-Led Agility and Growth
eMACH.ai, the world’s most comprehensive, composable and intelligent open finance platform, continues to strengthen its leadership as the preferred platform for AI-led enterprise modernisation, expanding across major global markets this quarter. Built on 700 microservices, 3,061 APIs and 942 pre-integrated events, the platform delivers unmatched agility, interoperability and speed of innovation.
Transforming Global Financial Enterprises through eMACH.ai
With 8 strategic eMACH.ai-led deal wins, including 3 Destiny Deals, Intellect strengthened its presence in key markets, where focused leadership and customer engagements are driving accelerated growth. These achievements reaffirm Intellect’s position as a trusted transformation partner to global financial institutions.
Destiny Deals
- As Intellect furthers its global expansion by bringing the world’s only AI-first payments platform to the US market, a top-3 Nordic bank has selected eMACH.ai Payments to modernise payments processing and enhance digital payments capabilities across its UK banking operations.
- A valued customer of Intellect Custody since 2008 chose to upgrade their legacy Custody platform to eMACH.ai Custody to modernise operations. The solution combines the robust eMACH.ai Custody base product with the customisations built over the last 17 years in their legacy system, seamlessly integrated along with additional customisations as per their business priorities and client servicing needs. This ensures business continuity while equipping them with a modern, scalable, and future-ready Custody platform. eMACH.ai Custody will also be deployed in AWS in cloud native model utilising the best services of AWS to bring in scalability and resilience.
- One of Sri Lanka’s leading banks, has selected eMACH.ai Cash Management and Supply Chain Finance to modernise its wholesale banking operations and deliver a unified digital experience for its corporate and SME clientele.
Other Significant Deals
- A leading technology solution provider has selected the eMACH.ai Core Banking as its preferred core banking solution to support the digital transformation initiatives of its banking customers. This partnership strengthens Intellect’s partner-led growth strategy and expands the reach of eMACH.ai Core Banking across new client engagements and markets.
- The world’s leading Islamic Bank, headquartered in Dubai selected eMACH.ai Lending to enhance its digital lending capabilities and incorporate Shariah principles across all practices in the UAE.
- The fastest growing bank as well as one of the most profitable banks within the Sultanate of Oman selected eMACH.ai Lending to expand and extend their credit experiences.
- A leading financial institution in the Middle East with over 50 years of banking expertise has selected eMACH.ai Treasury to modernise its treasury infrastructure. The solution will drive operational excellence by unifying liquidity views, enabling real-time decision-making, and streamlining cross-border treasury functions.
- A top-10 bank in the GCC has selected eMACH.ai Trade & Supply Chain Finance to modernise transaction banking and introduce new digital trade/SCF capabilities.
VI. Purple Fabric Unlocks Scale with Strategic Launches and Growing Deal Pipeline
Intellect continued to accelerate the global adoption of its Open Business Impact AI platform, Purple Fabric, designed to make enterprises truly AI Native. Built on an enterprise-grade technology stack, Purple Fabric empowers organisations to reimagine operations, customer experience, products, and compliance through Design Thinking for AI-First Enterprises.
Purple Fabric Accelerates Global AI Footprint Through Strategic Ecosystem Expansion
Purple Fabric has onboarded 14 Value Discovery Partners across India, Africa, Europe, the UK, APAC, and Canada, to accelerate AI-First value discovery and enterprise adoption of Purple Fabric, its enterprise-grade Business Impact AI platform. As financial institutions worldwide face the challenge of moving Generative AI initiatives from “pilot mode” to production-grade “business impact,” this new partner ecosystem will play a pivotal role in bridging the gap. The Purple Fabric Value Discovery Partnership Program is anchored on deep technical and strategic collaboration. Partners are not positioned as distributors but as co-creators within the ecosystem, working closely with Intellect to:
- Co-Build: Jointly develop new AI agents and industry-specific workflows.
- Co-Exist: Seamlessly integrate Purple Fabric’s Digital Experts into existing legacy and core architectures.
- Build: Create bespoke IP and differentiated solutions on top of the Purple Fabric foundation.
Transforming Enterprises through Business Impact AI – Purple Fabric Wins and Digital Transformations Accelerate Global Impact: This quarter, Purple Fabric accelerated enterprise-scale AI adoption with 1 Destiny Deal and 3 successful digital transformations, translating AI investments into faster decisioning, improved operational efficiency, and stronger compliance intelligence. Together, these milestones reaffirm Purple Fabric’s position as the Business Impact AI platform of choice, empowering organisations to lead with intelligence, speed, and trust
Destiny Deal
- A US based specialised mutual insurance company that provides property and business interruption insurance to the nuclear energy industry, will leverage Purple Fabric powered Magic Submission, Xponent Underwriting Workbench, Risk Analyst, Xponent, Claims Workbench, Xponent Data Warehouse solutions for their insurance operations.
Time Magazine recognises Intellect CMD Arun Jain as a “Growth Architect,” validating Intellect’s Design Thinking DNA and its leadership in the global seismic shift toward Business-Impact AI
The recognition of Arun Jain, Chairman and Managing Director of Intellect Design Arena, by Time Magazine marks a definitive transition from digital scale to measurable business outcomes, positioning the company as a “Growth Architect” that builds for long-term value rather than quarterly cycles. The article spotlights Purple Fabric as the world’s first open business-impact AI platform, specifically engineered to move AI from experimental pilots into high-stakes production. From utilising Enterprise Knowledge Garden to curate tacit and explicit institutional wisdom, Intellect has moved beyond the “patchwork” approach of layering technology on legacy systems. This recognition underscores a core thesis, that AI must extend human intelligence rather than replace it, validating Intellect’s strategy of embedding decision-grade intelligence into the operating reality of the world’s largest financial institutions.
VII. Leadership Position Endorsed by Market Leading Analyst
eMACH.ai has been acknowledged as a transformative Open Finance Platform by the industry. Significant accolades include:
Intellect Won Gold Medal in Datos Impact Awards for Banking Innovation – eMACH.ai Transaction Limits Management (TLM) solution has been awarded the Gold medal for Best Innovation in Operational Efficiency in the Datos Insights Impact Awards in Commercial Banking & Payments. Datos Insights recognised Intellect for our TLM platform’s capacity to transform how banks process high-value and instant payments across complex corporate structures.
Intellect Named World’s Best Transaction Banking Software Provider 2025 by Euromoney – Intellect has been recognised by Euromoney as the World’s Best Transaction Banking Software Provider 2025, winning a landmark triple win that also includes Best in Cash Management and Best Corporate Channels. This global recognition affirms Intellect’s position as the world’s leading technology partner for wholesale banking.
Chartis
- In the Chartis RiskTech ALM Solutions 2025 Report, Intellect received multiple recognitions across its Treasury portfolio. Hedging and Risk Management Solutions were rated Best of Breed, LRM and FPA were recognised as Category Leaders, FTP and Balance Sheet and Capital Optimisation were positioned as Enterprise Solutions, while ALM Solutions were acknowledged as Point Solutions.
- Separately, in the Chartis RiskTech Regulatory Reporting Solutions 2025 Quadrants, Intellect was recognised as a Leader for its Regulatory Reporting solutions.
Gartner
- eMACH.ai Core Banking was acknowledged as a representative vendor in the Gartner Critical Capabilities Report for Retail Core Banking Systems, Europe, and also acknowledged as a Visionary in the Gartner Magic Quadrant for Retail Core Banking Systems, Europe.
IDC
- Intellect’s Corporate Loan Life Cycle Management system is identified in the “LEADERS” category in IDC MarketScape: Worldwide Corporate Loan Lifecycle Management 2025 Vendor Assessment
Unaudited Financial Results for the Third Quarter Ended – December 31, 2025
Additional Information on function-wise classification of the statement of Profit and Loss of the Group (Consolidated unaudited)
INR Cr
Note: Exceptional item comprises of
- MAT credit write-off of INR 12.51 Cr in Q4 FY24
- Gratuity Provision of INR 30.84 Cr and the resultant deferred tax of 7.76 Cr in Q3 FY26 (due to new labour codes)
*Excluding GeM Revenue during the contracted period till FY24
