Niyogin Fintech Ltd · BSE:NIYOGIN
Niyogin Fintech — Investor Presentation (January 2025)
25 slides from Niyogin Fintech's investor presentation, Jan 31, 2025
Slide 1: Niyogin cover letter to BSE
niyogin January 31, 2025 To BSE Limited Phiroze Jeejeebhoy Towers Dalal Street, Fort Mumbai -400001 BSE Scrip Code: 538772 Subject: Investor Presentation - Composite Scheme Overview & Strategic Roadmap for Listed Entities Dear Sir/Ma’am, Pursuant to Regulation 30 (6) of Securities and Exchange Board
Slide 2: Niyogin Fintech Limited Investor Presentation
Niyogin Fintech Limited Investor Presentation Composite Scheme Overview & Strategic Roadmap for Listed Entities
Slide 3: Our Mission
Our Mission Our Mission • Use Technology and Partnerships to be able to offer financial products into hard to serve rural communities and micro businesses to empower (Niyogin) them. • We aim to reduce delivery costs and improve decisioning by leveraging a transaction intensive and highly engaged eco
Slide 4: Commitment to Value
Commitment to Value Greater Investor Alignment . . . Improved Corporate Structure • • • Simpler corporate structure Tailored investor appeal Easier value recognition for each entity ' • • Increased management control & accountability Each demerged entity can develop a more strong, unique and profita
Slide 5: Composite Scheme Mechanics
Composite Scheme Mechanics Promoter Group Public Share Issue 1 • 1 Demerger of NBFC business of NFL • Including investment in Moneyfront^, Niyogin AI and preference shares held in iServeU to Niyogin Finserv (39.28%) (60.72%) • Niyogin Finserv to issue shares to shareholders of NFL ' ----------------
Slide 6: Current & Resultant Structure
Current & Resultant Structure • • n1yog1n i l l l l Structure Current NBFC .~ moneyfront n1voG1n @'A1·-1 lSU -~ Niyogin Finserv Ltd. Business - 51% I I - 60% I I - 100% I I - 100% Niyogin Finserv* iServeU Promoter Group (iServeU NFL Promoters Public^ Shareholders of NFL ** Promoters) Resultant Struc
Slide 7: Key Milestones, Indicative Timelines & Approvals Required
Key Milestones, Indicative Timelines & Approvals Required ■ 1 Board Approval ■ 3 NCLT Filings & Approvals Approval of the proposed scheme, share Filing of Scheme with NCLT entitlement ratio report, fairness opinion, and Approval of NCLT, shareholders and creditors other ancillary documents and other
Slide 8: iServeU: Tech Infrastructure Enablers
iServeU: Tech Infrastructure Enablers
Slide 9: Evolution of Tech Infrastructure Enablers
Evolution of Tech Infrastructure Enablers • Commoditized product • Low margins • Fragmented receivables • Differentiated product with high exit barrier • Higher margins • Throughput vulnerable to exogenous I I I I I I 70% e 30% + Rs. 150 Cr. I e shocks impacting topline I I I 60% I 8% • Differentiat
Slide 10: Future Roadmap & Growth Drivers
Future Roadmap & Growth Drivers Future Roadmap Soundbox and POS Solution : Value proposition New Products Revenue Model Diversify revenue streams through new products: +30% • Monthly subscription income • Soundbox solutions • POS solutions • One time setup cost including cost of device • Credit line
Slide 11: Soundbox and POS Solution: Future Growth Drivers
Soundbox and POS Solution : Future Growth Drivers Soundbox deployment (in lakh units)^ -- , :--------- 490.00 I 450.00 ' 390.00 330.00 I 270.00 I I I 7.5%* ~ 2.4 12.1 20.9 30.3 37.7 I I I FY25E FY26E FY27E FY28E FY29E I I I ■ Soundbox deployment in India ■ iServeU target deployment ---· Q1FY26 Q2FY2
Slide 12: Our Right to Win
Our Right to win In-house developed capabilities enabling faster and Bank led distribution model easier customization Cost efficient and highly scalable E.g.: Adding multiple vernacular language based outputs ideal for Pan-India players One of the largest pure play infrastructure In-house developed
Slide 13: Niyogin: Tech Enabled NBFC with AI Capabilities
Niyogin: Tech Enabled NBFC with AI Capabilities
Slide 14: The Embedded Lending Opportunity
The Embedded Lending Opportunity Key channel partners • B2B Marketplaces & E-commerce platforms • ERP Systems (B2B & B2C SaaS platforms) • Fintech aggregators/ Payment Gateways • SME and MSME-focused digital platforms Target Addressable Market for • Direct API-based lending via banks and fintech emb
Slide 15: Sourcing: Building a Competitive Advantage
Sourcing: Building a Competitive Advantage 1 API First Integrations Curated Lending Programs • Developer-Friendly APIs: Enabling seamless integration • Flexible Product Design: LOS/LMS allows co-creation of with minimal TAT partner-specific lending products like : • Scalable & Robust: APIs auto-scal
Slide 16: Curating Flexible Credit Programs for Partners
Curating Flexible Credit Programs for Partners EWI EMI EDI Parameters/ Products (Equated Weekly (Equated Monthly Bullet Repayment (Equated Daily Installment) Installment) Installment) Ticket size (Rs.) 1 lakh + ~50k ~45k ~15k Gig workers of ecommerce, Borrower Profile Retailers Agri traders UPI merc
Slide 17: Differentiated Lending Model
Differentiated Lending Model Underwriting : Favourable information asymmetry supported by proprietary data and partner risk participation* Automated collections • • ---••• Partnership Book Using collaborative underwriting models Proprietary data ( e.g. Sales, Inventory • • Co - Lending Book Collabor
Slide 18: Performance of Sourcing Book
Performance of Sourcing Book GNPA** % 1.4% 1.1% 1.1% 1.0% 0.9% Partner risk participation in 0.8% sourcing book of up to 5% July'24 Aug'24 Sept'24 Oct'24 Nov'24 Dec'24 Collection efficiency* 102% 102% 96% 97% 93% 93% July'24 Aug'24 Sept'24 Oct'24 Nov'24 Dec'24 Performance of the ‘sourcing book’ has
Slide 19: Underwriting Focus Areas
Underwriting Focus Areas Phase 1 Phase 2 Phase 3 Definitive Assessment: Ability to Nuanced Evaluation: Intent to Pay Integrated approach : Data driven Pay scoring system • Credit Bureau scrubbing • Differentiated information through partner • Transition to a scorecard-based lending automated channel
Slide 20: Unlocked Value of Resulting Entities
Unlocked Value of Resulting Entities Tech Infrastructure Entity I I Tech Enabled NBFC I Assumed an equity infusion of Rs. ~50 Cr. in FY27 I Assumed an equity infusion of Rs. ~50 Cr. by FY27* I I I I I I I I I I 280-300 500-550 750-800 Net Revenue 150+ 70-80 I range in Rs. Cr. I I I I FY25(E) FY26(E)
Slide 21: AI Capabilities
AI Capabilities
Slide 22: Our Key AI Offerings
Our Key AI Offerings ff)) Customer onboarding Aadhaar masking Identity management Process automation Loan recommendation engine Capture KYC, extract relevant Masks Aadhaar on a real time Face detection, signature NACH & CRF automation and AI enabled recommendation Key data and enhance documents basi
Slide 23: Case Study: Deepening Engagement with a Leading Life Insurance Player
Case Study : Deeping Engagement with a Leading Life Insurance Player Background In 2023, we partnered with one of India's largest life insurance firms, with our Aadhaar masking solution . Since then it has evolved into a strategic partnership, expanding across multiple teams and workflows Starting S
Slide 24: Innovation Pipeline: Lending and Distribution Solutions
Innovation Pipeline : Lending and Distribution Solutions AI-powered executive dashboard AI-based underwriting & collections Loan recommendation engine for optimizing OCR based bank statement analyzer commission and loan approval probability Near term plans Automate collection workflows using AI- dri
Slide 25: Thank You
THANK E
Niyogin Fintech — Investor Presentation (January 2025) on 6ix