PAISALO DIGITAL LIMITED

Size: px

Start display at page:

Download "PAISALO DIGITAL LIMITED"

Rudolph Harris
5 years ago
Views:

1 PAISALO DIGITAL LIMITED A Systemically Important Non Deposit Accepting Non Banking Finance Company Investor Presentation Q3 FY

2 Safe Harbour Statement This document contains certain forward - looking statements based on current expectations of Paisalo Digital Limited s management. Actual Results may vary significantly from the forward - looking statements in this document due to various risks and uncertainties. These risks and uncertainties include the effect of economic and political conditions in India, and outside India; volatility in interest rates and in the securities markets; new regulations and government policies that might impact the business of Paialo Digital Limited; the general state of the Indian economy; and the management s ability to implement the company s strategy. Paisalo Digital Limited does not undertake any obligation to update these forward - looking statement. This document does not constitute an offer or recommendation to buy or sell any securities of Paisalo Digital Limited or any of its subsidiaries or associate companies. This document also does not constitute an offer or recommendation to buy or sell any financial products offered by Paisalo Digital Limited. 2

3 HELLO! We are Paisalo Digital Limited A Systemically Important Non Deposit Accepting Non Banking Finance Company Listed on NSE: PAISALO BSE:PAISALO Bloomberg: PAISALO:IN ISIN: INE420C

4 1 About PAISALO 27 years of Continuous Growth 4

5 About Paisalo Digital Limited 27 years of track record and learning Equity Shares Listed on National Stock Exchange and Bombay Stock Exchange Cost Effective and Scalable Business Model, with Risk Mitigation Unique Features of Paisalo App poised to disrupt FinTech Sector 5

6 1,000,000+ Customers Served till December

7 As on 31 Dec 2018 INR 121,000+ millions Disbursements 344,000+ users Paisalo Digital Lending Platform 100% FinTech with High Tech - High Touch 7

8 If You Think Change is Dangerous, Try Routines it is Lethal -Team Paisalo 8

9 The Problem? 9

10 The Problem! Indian banks are not approaching small customers, People are expected to come to the bank for Income Generation loans Small Customer for Income Generation Loan BANKs 10

11 Paisalo Solution Make Every Smart Phone a Bank Branch, to Enable Borrowing of Money with Ease 11

12 PAISALO Solution A Loan which is Available - Aware - Affordable 12

13 Why Now? Fulfilling Credit Need is the need of hour of World s Youngest Nation for Self Employment and to help India become USD 5-Trillion Economy by

14 How PAISALO Works Download PAISALO App from Google Play Store, Apply For a Loan kyc, Select a Loan Offer, Review Monthly Payment Option, esign Receive Money in Bank Account, Repayment via Electronic Clearing Service 14

15 How PAISALO Community Lending Works Area Survey, Formation of Group, Field Visit Pre-Group Recognition, kyc Final Group Recognition, esign, Bank Disbursement and ECS 15

16 The Technology: Front End KYC + esign + ECS Back End AI and ML Credit Matrix 16

17 ANDROID PROJECT Live on the Play Store 17

18 iphone PROJECT Final Production Stage 18

19 TABLET PROJECT Paisalo Admin Available On The GO 19

20 DESKTOP PROJECT Algorithm Graphic User Interface, Like Never Before 20

21 Paisalo Financials Q3 FY

22 Paisalo Q3 FY Particulars (INR in Millions) Q3 FY Q3 FY Growth Revenue % Profit Before Tax % Profit After Tax % 22

23 Paisalo App Based Lending (Till Q3 FY ) INR 12,416 millions Bank Account Disbursement 139,338 users And a lot of live users 2125 Pin Codes Users Served Across India 23

24 Paisalo Digital Limited Q3 FY Particulars (INR in Millions) Asset Under Management Disbursements Disbursement Growth Over Last Quarter Q3 FY Q3 FY Audited FY ,297 16,065 17,559 3,640 4,965 17,655 (26.69)%

25 Financial Highlights Q3 FY Particulars Q FY FY , , , Interest Income , , PAT Cash Accrual , , , , , , % 2.33% 2.56% Gross NPA % 0% Net NPA % 0% ROE (%) 8.95% 9.42% 9.29% ROCE (%) 6.86% 7.03% 7.59% (INR in Millions) Loans and Advances Net Worth Total Outside Debt Debt to Equity Ratio Bad Debts w/o as compared to Loans Outstanding (in %) 25

26 Paisalo Digital Limited Shareholding Pattern (as on 31 December 2018) 26.04% Promoters 18.99% FIIs & DIIs 54.97% Public Continuous efforts by Team Paisalo to ensure continuous growth in Stakeholder wealth, by ensuring proper utilization of funds and resourced 26

27 Credit Rating Infomerics A Stable Outlook FITCH A- Positive Outlook 27

28 THANKS! Any questions? 28

India & ICICI Group. Trends & Outlook. November 2015

India & ICICI Group. Trends & Outlook. November 2015 India & ICICI Group Trends & Outlook November 2015 Certain statements in these slides are forward-looking statements. These statements are based on management's current expectations and are subject to