BUSINESS MODEL

  • VEHICLE LOANS ESSENTIALLY 3 WHEELERS , LIGHT COMMERCIAL VEHICLES & 2 WHEELERS

  • LOAN AGAINST GOLD

  • THIRD PARTY DISTRIBUTION INCLUDING GENERAL INSURANCE & VEHICLE LOANS

  • PERSONAL LOAN AGAINST ASSETS

OUR STRENGTHS
  • LOCAL AREA OF OPERATION

  • SOCIAL RELATIONSHIPS

  • BUSINESS NETWORKING

  • USE OF TECHNOLOGY

  • 3 TIERS OF DUE DILIGENCE

  • 1ST MOVER ADVANTAGE

  • EXPERIENCED & REPUTED TEAM

  • SPEED OF DISBURSEMENT

OUR TERRITORY
  • JODHPUR

  • PALI

  • BIKANER

  • BARMER

  • JAISALMER

  • NAGOUR

  • BILARA

  • & ALL ADJOINING AREAS

EXPANSION PLANS

IN THE 2ND YEAR OF OPERATIONS WE WOULD ALSO EXPAND THROUGH DSA NETWORK ON SELECT PRODUCTS

OUR STRATEGY
  • IDENTIFY & TARGET THE PROFITABLE SEGMENTS WITH GOOD MARKET CREDENTIALS , WEAK DOCUMENTATION , NOT SENSITIVE TO INTEREST RATES.

  • USE SPEED OF PROCESSING AS A TOOL AGAINST OTHER FINANCIAL INSTITUTIONS OPERATING ON LOWER RATES IN THE SAME SEGMENT

  • USE LOCAL KNOWLEDGE & SOCIAL NETWORK FOR MULTIPLE TIERS OF CREDIT EVALUATION , RISK ASSESSMENT & EFFECTIVE PRICING

  • USE TECHNOLOGY FOR MONITORING PROGRESS

  • USE THIRD PARTY DISTRIBUTION TO COMPLETELY SUBSIDISE OPERATIONAL EXPENSES ( OPEX)

  • THIRD PARTY DISTRIBUTION PRODUCTS

  • GENERAL INSURANCE

  • CAR LOAN FOR HDFC BANK LTD

  • VEHICLE LOAN FOR MAGMA FINCORP LIMITED

GENERAL INSURANCE
  • COPRPORATE AGENCIES OF ALL LEADING INSURANCE COMPANIES FOR THE FIRST SIX MONTHS

  • IRDA BROKERSHIP AFTER SIX MONTHS

TARGETS
  • CREATE A HUGE NETWORK OF SUBAGENTS BY LEVERAGING HIGHER PAYOUTS & SOCIAL NETWORKING

  • GENERATE MONTHLY PREMIUM TO THE TUNE OF 50 LACS IN 3 MONTHS TIME THEREBY GENERATING REVENUES OF 5 - 8 LACS

  • GENERATE RPEMIUM OF 1.00 CRORES & REVENUE OF 15 LACS PER MONTH AFTER 6 MONTHS

VEHICLE FINANCE THROUGH BANKS
  • PARTNERSHIP WITH HDFC BANK LTD & MAGMA FINCORP LTD FOR CAR LOANS

  • USE THE ABOVE AS A MEANS FOR FUNDING THE INTERST RATE SENSITIVE CAR LOAN BUSINESS

  • LEVERAGE SOCIAL CONTACTS & TEAM EXPERIENCE FOR CAR LOANS

  • THE ABOVE TWO FINANCIERS ACCOUNT FOR MORE THAN 70% CAR FINANCE IN JODHPUR

TARGET
  • MONTHLY VOLUME OF 2 – 3 CRORES IN 3 MONTHS TIME USING A DEDICATED TEAM OF 10 PROFESSIONALS WHO WOULD ALSO SOURCE CAR LOANS FOR NBFC PROFILE

  • GENERATE MONTHLY REVENUES OF 3 - 4 LACS FROM THIS MODEL

LOAN AGAINST GOLD
  • FIRST MOVER ADVANTAGE

  • LACK OF ANY EFFECTIVE COMPETITION WITH LACK OF FOCUS ON PART OF BANKS AND NBFCs IN THIS PART OF RAJASTHAN

  • MOST SECURED FORM OF PERSONAL LOANS

ANALYSIS OF MARKET & SEGMENTS FOR LOAN AGAINST GOLD
  • WESTERN RAJSTHAN TRADITIONALLY HAS ONE OF THE HIGHEST PER CAPITA GOLD HOLDING IN INDIA

  • LOAN AGAINST GOLD IS THE MOST POLPULAR FORM OF LANDING IN THE UNORGANISED MARKET

  • PREVAILING INTEREST RATES ARE TO THE TUNE OF 2-2.5 % MONTHLY

  • NOT A SINGLE PLAYER FROM THE ORGANISED SECTOR IS OPERATIONAL AS ON DATE

  • THE SEGMENT IS NOT INTEREST RATE SENSITIVE

  • THE AVERAGE TICKET SIZE IS 1.00 LACS

  • THE AVERAGE TENOR IS 180 DAYS

  • PRESENCE OF LOCKER FACILITY & CHEST ROOM WILL BE AN ADDED ADVANTAGE

  • HUGE PRESENCE OF LOWER & MIDDLE CLASS POPULATION IN URBAN , SUB URBAN & RURAL JODHPUR

LOAN AGAINST ASSETS
  • LOAN AGAINST PROPERTY (LAP)

  • TARGET INDUSTRIES TYPICALLY HANDICRAFT, GUAR GUM, TEXTILES AND STEEL

  • TARGET CONTRACTORS & TRADERS REQUIRING FUNDS FOR SHORT TENORS RANGING FROM SIX MONTHS TO 1 YEAR

ANALYSIS OF MARKET & SEGMENTS LOAN AGAINST PROPERTY
  • JODHPUR HAS BEEN A BIG PARTICIPANT IN THE REAL ESTATE BOOM WHICH CONTINUES TILL DATE

  • REPLACEMENT OF UIT BY JDA ( ONLY 2ND CITY AFTER JAIPUR)

  • BIG BOOM IN CONSTRUCTION & REAL ESTATE ACTIVITIES WITH NEW PROJECTS LIKE AIIMS , IIT , HIGH COURT , NLU ,\

  • NEW TOWNSHIPS , MALLS , FIVE STAR HOTELS ETC

  • EXPONENTIAL GROWTH IN HANDICRAFTS SECTOR

  • GROWTH IN TOURISM & HOTEL INDUSTRY

  • LOT OF CAPITAL REQUIRED FOR PARTICIPATING IN ECONOMIC BOOM & INFRASTRUCTURE DEVELOPMENT

  • CAPITAL REQUIRED FOR SETTING UP STATE OF THE ART MACHINES IN INDUSTRIES & HOSPITALS

  • CAPITAL REQUIRED FOR UPGRADATION OF HOTELS TO CATER TO INCREASING TOURIST INFLOW

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