Slide 1: Cover letter to NSE: Investor Presentation under Regulation 30
To Date: 12-11-2024 The National Stock Exchange of India Limited The Listing Department, Bandra Kurla Complex, Mumbai- 400051. Scrip Symbol- RNFI Sub: Investor Presentation under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations
Slide 2: RNFI Services Limited: Disrupting Last Mile Service Delivery and Staffing Ecosystem
RNFI SERVICES LIMITED 2015 -PRESENT DISRUPTING LAST MILE SERVICE DELIVERY AND STAFFING ECOSYSTEM www.rnfiservices.com Present with ease and wow any audience with Canva Presentations. October 2024 RNFI Services Limited | Company Private & Confidential Pg.1
Slide 3: Obligatory Disclosure
OBLIGATORY DISCLOSURE This presentation, along with the accompanying slides (collectively referred to as the “Presentation”), has been created by RNFI Services Limited (the “Company”) solely for informational purposes. It does not constitute an offer, recommendation, or invitation to buy or subscrib
Slide 4: Core Functions
CORE Company Private & Confidential FUNCTIONS RNFI Services Limited Pg.3
Slide 5: Business Model
BUSINESS MODEL Bridging the Last-Mile Gap with Localized Staffing Solutions 01 Staffing for last-mile services is challenging, as the vast geography of our country limits access to remote areas, making it hard for banks and organizations to reach customers. Relipay fills this gap by appointing Sahay
Slide 6: Key Value Proposition
KEY VALUE PROPOSITION SCALE 01 02 PRODUCTIVITY Having vast network of 4.6 Enhancing Productivity by Company Private & Confidential Lakh Relipay Sahayaks Leveraging Technology resulting in nationwide reach. TECHNOLOGY COMPLIANCE 03 04 DIVERSIFICATION Strict adherance to Broad portfolio of clients app
Slide 7: RNFI in a Glimpse
RNFI IN A GLIMPSE Seasoned Active Relipay management Sahayaks grew by 19% team and board. for the H1 FY25 Currently working with 7 Private Sector Company Private & Confidential Profit After tax (PAT) grew by 59% for the banks, 6 Public Sector banks, 4 Small Finance Half year ending September 30, 202
Slide 8: Major Events (H1 FY25)
MAJOR EVENTS (H1 FY25) Simran Singh Private Trust Received BC Binding offer to Empanelled as Appointed to act Devices/ Hand held acquire 100%stake Listed on NSE Corporate Business as Verification Terminal order from in Payworld Digital SME Board on Correspondent for Agency for "Maharashtra State Ser
Slide 9: Journey of RNFI Group
JOURNEY OF RNFI GROUP Converted into a Public Limited Co. Became BC for 2 Public sector 2024 banks and facilitator for 1 private sector bank. Listed on NSE SME Partnered with Maharashtra Board on 29th State Rural Livelihood Mission July,2024. Acquired Subsidiary for woman empowerment. Appointed as P
Slide 10: Management Team and Board
MANAGEMENT TEAM AND BOARD Chairman and Chief Strategy Managing Director Officer Executive Director Executive Director Executive Director 09 11 09 30 03 22 03 20 07 20 Ranveer Khyaliya Simran Singh Rahul Srivastava Kirandeep Singh Deepankar Aggarwal Company Private & Confidential Education & Past Exp
Slide 11: Board of Directors
BOARD OF DIRECTORS Independent Independent Independent Independent Director Director Director Director Company Private & Confidential Mr. Avtar Singh Monga Mr. Sunil Kulkarni Mr. Ashok Kumar Sinha Mrs. Mona Kapoor Associated with our Company Associated with the Company Associated with the Company Sh
Slide 12: Success Indicators
SUCCESS Company Private & Confidential INDICATORS RNFI Services Limited Pg.11
Slide 13: Performance Metrics
PERFORMANCE METRICS Strong Performance across Various Metrics (Console H1 FY25) INR in Cr. Non Forex Business Forex Business Overall Business Revenue 206.9 251.2 458.1 Company Private & Confidential Gross Profit 55.9 3.8 59.7 Gross Profit Margin 27.0% 1.5% 13.0% EBITDA 18.3 1.1 19.4 EBITDA Margin 8.
Slide 14: Financial Highlights H1 (Console): Non Forex Business
FINANCIAL HIGHLIGHTS H1 (CONSOLE) NON FOREX BUSINESS (INR in Cr.) Revenue Gross Profit EBITDA PAT 55.9 18.3 8.6 206.9 Company Private & Confidential 71.8% 108.7% 83.0% 50.5% 137.5 32.6 8.8 4.7 H1 FY24 H1 FY25 H1 FY24 H1 FY25 H1 FY24 H1 FY25 H1 FY24 H1 FY25 RNFI Services Limited Pg.13
Slide 15: Financial Highlights H1 (Console): Forex Business
FINANCIAL HIGHLIGHTS H1 (CONSOLE) FOREX BUSINESS (INR in Cr.) Revenue Gross Profit EBITDA PAT 2.0 0.8 389.7 4.9 -22.6% Forex Business is a Heavy Capital Company Private & Confidential -35.5% -45.0% 3.8 -75% Intensive Business. 251.2 1.1 For best utilization of Capital and higher margins we have decr
Slide 16: KPI-1 Active Sahayaks & Average Revenue
KPI-1 Active Sahayaks & Average Revenue Average Revenue per Sahayak/per month Active Sahayaks 1278.2 1,69,447 Company Private & Confidential No. of Active Sahayaks 983.0 1,41,991 ARPU/Month (in ₹) 853.5 1,22,751 FY23 FY24 H1 FY25 FY23 FY24 H1 FY25 RNFI Services Limited Pg.15
Slide 17: KPI-1 Active Sahayaks (HoH Comparison)
KPI-1 Active Sahayaks & Average Revenue No. of Active Sahayaks (HoH Comparison) 1,69,447 1,69,447 36% Company Private & Confidential 120% 1,22,049 75,550 H1 FY24 H1 FY25 H2 FY24 H1 FY25 RNFI Services Limited Pg.16
Slide 18: KPI-2 Profitability
KPI-2 Profitability 913 877 719 Profit After Tax (PAT in Lacs) Company Private & Confidential 621 532 H1 FY25 7 3 6 0.07 34 Financial Year 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 RNFI Services Limited Pg.17
Slide 19: KPI-3 Increasing Funnel
KPI-3 INCREASING FUNNEL FY23 FY24 H1 FY25 58,909 48% As the relation 1 79,483 grows with No. of Products Cross-Selled 87,426 Sahayaks, we can cross-sell Company Private & Confidential 34,102 29% them more and 2 36,887 more products. 44,101 Thus increasing his income and 16,016 our ARPU. 3 14,438 22%
Slide 20: KPI-3 Increasing Funnel: Financial Institutions
KPI-3 INCREASING FUNNEL TOTAL NUMBERS OF FINANCIAL INSTITUTIONS 70 No. of FIs No. of FIs 56 Product countwise Financial Institutions 70 Ageing wise Financial Institutions Company Private & Confidential Number of Financial Institutions Number of Financial Institutions 54 30 17 9 5 4 5 5 1 FY18 FY19 F
Slide 21: Geo Penetration
GEO PENETRATION 584 Jammu & Kashmir Active Sahayaks in each State/ UT in 94 H1 FY25 Punjab Himachal Pradesh Chandigarh 4623 91 ZONES ACTIVE RELIPAY SAHAYAKS Haryana 1262 Ut Delhi tar 4072 ak ha nd 38 East 1843 73,494 Company Private & Confidential Sikkim Arunachal 6 Pradesh 22152 7280 3061 Rajasthan
Slide 22: Key Business Partners
KEY BUSINESS PARTNERS Company Private & Confidential RNFI Services Limited Pg.21
Slide 23: Technology
TECHNOLOGY Simran Singh Private Trust User Friendly Web/App Scalability & Customisation Security Built with advanced technology and Secure, scalable portal adapts to Regular security audits and penetration user-focused design. changing business needs. testing protect against cyber threats. Company P
Slide 24: Technology
TECHNOLOGY Simran Singh Private Trust Plug and Play Multi Domain Professionals Adaptability RNFI’s plug & play model enables RNFI’s multi-domain experts drive RNFI’s multi-adaptability keeps us fast, efficient integration of key innovation with expertise in finance, agile in the evolving fintech fin
Slide 25: Governance & Business Structure
GOVERNANCE & Company Private & Confidential BUSINESS STRUCTURE RNFI Services Limited Pg.24
Slide 26: Group Structure
GROUP STRUCTURE RNFI SERVICES LIMITED Company Private & Confidential FFMC License from RBI in "Direct Broking License Transaction/Wholesale SAAS/Manual Based B2B Neo-Banking model. March, 2020. (LIFE/GENERAL)" from banking, EMI Collections Collection/ENach platform. IRDAI In September 2022. Solution
Slide 27: ESG
ESG ENVIRONMENTALLY RESPONSIBLE OPERATIONS SOCIAL IMPACT OF SAHAYAKS RNFI is deeply committed to maintaining a fully paperless approach throughout every stage Through Relipay, we have integrated lakhs of Sahayaks onto our platform, affording them of the operational lifecycle substantial employment p
Slide 28: ESG: Governance
ESG Simran Singh Private Trust GOVERNANCE All Promoters shares pooled in a Trust to increase the longetivity. Board of Directors consist of 4 Independent Directors, 3 Executive Directors and 1 Chairman and Managing Director. Company Private & Confidential Promoter group family owned 14% of shares in
Slide 29: Shareholding Structure
SHAREHOLDING STRUCTURE No. of Equity Shares 1,63,02,519 Simran Singh Private Trust 65.34 Categories Promoter Public Promoter No. of Equity Shares 86,49,668 No. of Equity Shares Public 34.66 Public 86,49,668 Public Company Private & Confidential 100 No. of Equity Shares Ranveer Khyayaliya 0.00 34.7%
Slide 30: Thank You
RNFI SERVICES LIMITED THANK YOU www.rnfiservices.com Present with ease and wow any audience with Canva Presentations. RNFI Services Limited | Company Private & Confidential Pg.29