Transwarranty Finance Limited · NSE:TFL
Transwarranty Finance — Investor Presentation (November 2022)
17 slides from Transwarranty Finance's investor presentation, November 2022
Slide 1: Innovative Social Credit Delivery in India through Embedded Finance
r r Innovative Social credit delivery in India through embedded finance for furthering financial inclusion, enhancing financial literacy and bridging the digital divide Confidential Transwarranty Finance Limited Investor Presentation – Nov 2022
Slide 2: The Story – How it began
ABOUT US 2 The Story – How it began Sibin Das, an UBER driver from Ernakulam had to renew his insurance (INR 28,000 /USD 360) for his car which is Sibin Das his primary income source. UBER Driver His credit score ( 550) is not a prime score for many banks to process the loan internally. Being a cab
Slide 3: Supply Credit Gap – Low Income household
OPPORTUNITY 3 Supply Credit Gap – Low Income household Low income households face a huge challenge to access credit – opportunity for small ticket loans Urbanisation , access to information an employment opportunities driving consumer demand and spending Annual HH income INR 10 lakh+ High Income HH
Slide 4: Small ticket – Big Potential
OPPORTUNITY 4 Small ticket – Big Potential 80% of loans disbursed by NBFC are below INR 50K Upto INR 50K is the sweet credit spot 97% of the household reported a decline in household income during covid-19. Growth in personal loan attributed to the increased need coming in from education and medical
Slide 5: India - A global FinTech Superpower
ABOUT US 5 India - A global FinTech Superpower India has the highest FinTech adoption rate globally Stagnant Market Mature Market Emerging Market Internal KPMG Analysis – 2016-2020
Slide 6: The Rise of Digital Economy - India
OPPORTUNITY 6 The Rise of Digital Economy - India India has the highest FinTech adoption rate globally at 87% , lending segment potential to reach USD 1tn in the coming years Amongst the fastest growing Fintech markets in the world with ~ 6,386 FinTech startups in India. 3rd Largest Fintech ecosyste
Slide 7: Embedded Finance – game changer
OPPORTUNITY 7 Embedded Finance – game changer Global embedded finance market estimated to be USD 7tn by 2030 Global Embedded India Finance Market Opportunity India’s embedded finance industry expected to reach USD 4bn in 2022. Expected to grow around 30.4% between 2022-2029 Revenue from embedded fin
Slide 8: The Story – next leg of growth
ABOUT US 8 The Story – next leg of growth Shravandas Shravandas runs a popular eatery, Vasant Sagar in Nariman Point. Proprietor Frequented by office goers everyday. Order booking via a restaurant software, Major transaction in cash He requires small credit limit to basically expand / buy raw materi
Slide 9: Oroboro – The journey so far
ABOUT US 9 Oroboro – The journey so far Oroboro is the fintech arm of the RBI licensed NBFC – Transwarranty Finance Limited Key Milestones 1997 Consumer Durables 2008 2022 Financing Gold Loan Embedded Finance 2002 2018 Personal Loans for Digital Personal Citibank Loans (Oroboro) Business Expertise 2
Slide 10: Company Highlights
ABOUT US 10 Company Highlights Snapshot of Transwarranty Finance Ltd and its Subsidiary Vertex Securities Ltd Our reputation: Market Access & Channels: • Serving customers for the past 25 years. • Unique capabilities in debt, equity & structured transactions • TFL Listed on BSE & NSE and VSL on BSE
Slide 11: Oroboro – Performance glance for last 3 years
ABOUT US 11 Oroboro – Performance glance for last 3 years Digital loans paying the way for easy origination, assessment, disbursement and collection Loans Disbursed Gender diversity NCR 13,685 | ₹ 1,538 L 72% 28% *B2C 2,050 | INR157.87 L $ 2 MN Uttar Pradesh Rajasthan 33 | INR 1.41L 65 | INR 2.98 L
Slide 12: Market Scoping - Business Model based on value chain
ABOUT US 12 Market Scoping - Business Model based on value chain Oroboro USP • New age technology • Superior customer experience Full stack • Seamless partner integrations Credit Data • Real time loan decision Lead Generation Online Lender Model platform • New age underwriting models • Profitability
Slide 13: Oroboro – Tech enabled model enables to scale rapidly
ABOUT US 13 Oroboro – Tech enabled model enables to scale rapidly Galloping towards new highs through B2C and B2B2C tie-ups Oroboro’s – Two pronged approach to scaling. Cumulative 10,19,986 B2C – direct souring of small ticket loans Per Year 2,73,156 B2B2C – becoming the embedded finance partner for
Slide 14: Oroboro – gaining strong foothold
ABOUT US 14 Oroboro – gaining strong foothold Associated as a preferred embedded finance partner with industry leaders Status: New B2B Transport Geographical B2C product and partnership & aggregator lending model products Logistics footprint LIVE and Expand to Tier 2 Build On-Balance Improve and pot
Slide 15: Operational Performance – FY 21-22 at a glance
ABOUT US 15 Operational Performance – FY 21-22 at a glance On the road to growth trajectory No of Loans Disbursed Amount Disbursed ( Rs Lakhs) AUM ( Rs in Lakhs) 731.74 8919 827.53 122.15 19 7 2020-21 2021-22 2020-21 2021-22 2020-21 2021-22 Cumulative Loans disbursed till 31-03-2022 Fee income (Rs i
Slide 16: What makes us Unique
CONCLUSION 16 What makes us Unique Powered by fully regulated NBFC Transwarranty Finance Limited – listed on BSE and NSE Serving customers for over 28 years. Strong syndication track record 01 Reputation across Trade Finance, Debt, Equity & Structured Finance Transactions Both Corporate & Retail Cli
Slide 17: Thank you!
Thank you! GET IN TOUCH: Transwarranty Finance Limited 403 Regent Chambers Nariman Point Mumbai – 400 021 India investors@transwarranty.com
Transwarranty Finance — Investor Presentation (November 2022) on 6ix