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Investment Opportunity in a Leading NBFC Registered P2P Fintech Establishment : 2015

Owned

Investment Range:Rs 8 Crore

Reason for Sale:Looking for funds for expansion

Industry:BFSI

State:Andhra Pradesh

Year of Establishment: 2015

Revenue (Latest Year):

EBITDA (Latest Year):

Net Profit (Latest Year):

Total employees:10-20

Business Model: B2B,B2C

Nature Organisation: Private Limited Company

Sub Industry:Financial Services

City:Hyderabad

Type of Investment:Investment

Company Type:Owned

License AvailableYes

License Name1. ROC Compliant. 2. NBFC license for the P2P platform.

Total Customer: 12000

Listing ID:KS1034

Business Description

Peer-to-Peer (P2P) Lending is about individuals transacting between themselves for small ticket size personal loans, without the need to go through a financial intermediary such as a bank or any other financial institution. The basic structure of a Peer-to-Peer loan is an unsecured personal loan made by a lender to a borrower and facilitated by P2P lending platforms. P2P loans are collateral-free and unsecured, can be compared to Banks’ personal loans product or urban microfinance loans. Given the average P2P loan size, it falls between these two. Our client is a registered NBFC P2P Lending platform. It has received the Certificate of Registration issued by the Reserve Bank of India in June 2018. 

Crowd-Lending is the most effective way to meet the immense demand for hand loans in India where traditional borrowing for relatively small-sized loans is mostly informal and ridden with high transaction costs, significant collateral needs, and long lead times. 

USPs:

1. Access to human capital: They have a vast experience in Microfinance, Insurance, and P2P Lending and the entire gamut of various technologies available today to build web portals, mobile apps, tab-based apps, cloud-based applications, etc. This is a unique combination that ONLY they have in all the P2P lending platforms in the country. 

2. Diversified team: They are a team that has technology business management experience in various businesses and the platform is not only built by a software team by outsourcing to a software agency. It is a unique combination of people that have visceral experience in all these areas of work.

3. Presence of MFI: Presence and Understanding of MFI and P2P lending business in the Indian geography - they are already doing business here so you don't have to start from scratch.

4. Registered NBFC License: The company has acquired NBFC license from RBI as an early player advantage. The same license for the new P2P company has a waiting period of at least 1 year.

Expansion Opportunities:

Fuel up the MSE sector

  1. Partnering Microfinance institutions (MFIs) in and extending the platform to some of their members (sector-specific)

  2. Identity, provide affordable access to credit to the urban and semi-urban MSEs

  3. Sector-specific lending (handloom weavers, toymakers, Kirana stores, etc.) 

  4. Purchase Orders (PO Financing)

Digital India / JanDhan-Aadhaar-Mobile

  1. Financial Inclusion (Savings, Credit, and Insurance) – draw up a separate plan for this

  2. Extend our current partnership with HDFC Life Insurance, other Insurance companies (for      micro-insurance)

Micro-Housing

Primarily for repairs and extensions.

Additional Information:

Our client came to be as an outcome of the team’s many years of experience and learning in both the finance and technology worlds. They have vast experience in BFSI, Microfinance, P2P Lending and the entire gamut of various technologies available today to build web portals, mobile apps, tab-based apps, cloud-based applications, etc. This is a unique combination that only they have in all the P2P lending platforms in the country. 

Our client is part of a larger vision to support individuals and MSEs and enable financial inclusion and empowerment across India by providing P2P personal loans and business loans to micro-enterprises. 

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