Capital India Finance Ltd · NSE:CIFL
Capital India Finance — Investor Presentation (October 2024)
30 slides from Capital India Finance's investor presentation, October 2024
Slide 1: Capital India - Rediscover Business
C CAPITALINDIA Rediscover Business
Slide 2: Overview
Overview Our Focus and Business approach ▪ Providing an array of financial services and funding solutions to Small and Medium Value creation for our customers and shareholders Enterprises providing SME – Secured and Unsecured loans, also providing Equipment 01 Empowering India With Bespoke and Suppl
Slide 3: Group Structure
Group Structure Promoter Major Shareholders Include Reputed Business Houses Capital India Corp LLP Other Public Promoted by Mr. Narvar who is a first- Shareholders generation entrepreneur and a sought-after leader. DS Group RJ Corp Sudhir Power SME Finance Cross Border Remittance* Affordable Housing
Slide 4: Our Journey
Our Journey Incorporated as Bhilwara Tex-Fin Limited. “A–” Rating Received Investment in Received Public issue & Listing of from ACUITE Housing RapiPay Authorised Equity shares on BSE. (Formerly Finance Fintech Pvt. Dealer – SMERA) for Company Ltd. Cetagory II Take over by Sainik Mining our long-ter
Slide 5: Our NBFC: Capital India Finance Limited (CIFL)
Capital India Finance Limited (CIFL) Our NBFC Rediscover Business CIFL is an India-focused, integrated financial services platform. We partner small and medium businesses with customized finance solutions, providing financing that serves the latent yet burgeoning demand which is unmet by conventiona
Slide 6: CIFL Overview
CIFL Overview Our Offerings Capital India Finance Ltd (CIFL) is a Systemically Important Non-Deposit Taking NBFC (NBFC-ND-SI), providing sector specific tailored loan products to SMEs SME Secured SME Unsecured ▪ Convenient loans against collateral ▪ Loans for working capital or growth capital requir
Slide 7: CIFL Loan Book Overview
CIFL Loan Book Overview* ₹5.9 Bn Shift Towards A More Granular Book Geographical Spread Book Size 180.0 3000 155.1 2540 137.9 160.0 126.0 2500 140.0 115.3 ₹19.7 Bn 120.0 2000 100.0 Cumulative Disbursal 80.0 1,188 1500 Since Jan’18 60.0 1000 40.0 377 43 57 13.5 500 20.0 43 58 4.7 2.3 39 Months 0.0 0
Slide 8: CIFL Performance
CIFL Performance Disbursement (₹ Mn) Loans and Investments (₹ Mn) 4,401 7,397 6,999 6,147 6,247 1,515 3,398 1,515 1,115 1,165 COVID – Focus on servicing existing accounts 5,484 5,882 5,032 5,082 1,001 - 31st March 2020 31st March 2021 30th June 2020 30th June 2021 FY20 FY21 Q1 FY21 Q1 FY22 Loans and
Slide 9: Our HFC: Capital India Home Loans (CIHL)
Capital India Home Loans (CIHL) Our HFC घर आपका साथ हमारा CIHL is a wholly owned subsidiary of Capital India Finance Limited. Our focus is on offering seamless loan solutions to home buyers in India. Leveraging technology, we make the process of taking loans simple, fast and transparent.
Slide 10: CIHL Overview
CIHL Overview ▪ CIHL started its operations in Mar’19 as a subsidiary of CIFL We have devised strategy to tie-up and co-lend with new age companies which help us in ▪ CIHL is a new-age housing finance company, providing home loans in the expanding our reach, diversifying and growing affordable housi
Slide 11: CIHL Supports Customers In Urban Areas With Semi-Formal Incomes
CIHL Supports Customer In Urban Areas With Semi-Formal Incomes; Largely Unattended By Large HFCs/Banks Our Customers Their Requirement Challenges They Face ▪ Salaried and Self- ▪ Home loan requirement ▪ Documentation requirement employed individuals primarily in the ₹0.5 – 2.0 mn of traditional lend
Slide 12: Adoption of Technology and Strict Risk Assessment During Loan Cycle
Adoption of Technology and Strict Risk Assessment and Evaluation During Entire Loan Cycle OmniFin Loan Management System API Integrations In House Data Management ▪ Customer profiling ▪ Instant PAN verification ▪ dMACQ document management system ▪ Financial analysis of customers bank ▪ System integr
Slide 13: Our Education Lending Platform
Our Education Lending Platform
Slide 14: Overview
Overview Credenc is a unique platform to finance meritorious students for their Supporting Students In Entire Education college expenses by underwriting their employability, rather than the means available to their families. Journey Through Bouquet of Products Credenc has its own proprietary future
Slide 15: Credenc Has Bridged The Gap Between Deserving Students and Institutes
Credenc Has Bridged The Gap Between Deserving Students and Institutes By Addressing Both Ends 70%+ Rejection Are Because Of Co-applicant Income And Documents We are looking to unlock this huge segment by lending basis student potential and not their parent’s profile & income Rejection Reason 7% Co-a
Slide 16: Our Fintech Venture
Our Fintech Venture RapiPay is a customer centric Fintech company providing an array of financial services to the underbanked via a country wide network of “Direct Business Outlets”.
Slide 17: RapiPay Overview
RapiPay Overview ▪ RapiPay is one of the fastest growing FinTech players in India, providing Neo Banking services to the masses Entire ecosystem of BFSI ▪ RapiPay has pan-India retail agent network of Direct Business Outlets (“DBOs”) 30 Million+ End Customers PPI License POS PAN India Digital lendin
Slide 18: RapiPay Product Offerings Across Every Strata of Society
With Its Product Offerings, RapiPay Is Poised To Provide Banking Solutions To Every Strata Of The Society RapiPay Aims To Touch Lives Of 800 Million People High Penetration Rate For Tech Products Transient customer base which desires a rich user experience and value-added offerings; generally less p
Slide 19: RapiPay's Proprietary Tech Platform Uses Data Sets And AI/ML
RapiPay’s Best In Class Proprietary Tech Platform Uses Robust Data Sets And AI/ML To Automate And Improve The Entire Transaction Cycle And Allow Significant Scalability Benefits Only Indian Fintech Utilising AI For Entire Process RapiPay Benefits Fully Automated Advanced IT Platform Processing 2,000
Slide 20: Our Forex Division
Our Forex Division REMITX FOREX + REMITTANCE TOGETHER
Slide 21: REMITX Overview
REMITX Overview ▪ A new business line of Capital India Finance Limited (CIFL), REMITX is an integrated Foreign Exchange Service Provider offering comprehensive forex solutions to various customer segments in India ▪ CIFL, under the brand name of REMITX, holds AD II license from RBI to conduct foreig
Slide 22: REMITX Positioning
REMITX Positioning ▪ REMITX envisions widespread presence across all major markets in India in coming years Target segments: Retail Consumers Corporate Houses Overseas Education Through wide branch network Through Strategic Tie-ups Through customized student solutions Banks Tour Operators Money Chan
Slide 23: Product Offerings
Product Offerings ▪ Mandate by Govt of Germany to open Blocked Account by ▪ Comprehensive and seamless outward remittance process every non-European traveler going to Germany. to send money abroad. ▪ REMITX has exclusive tie-up with Eco-Escrow Pan India & ▪ Remittance towards Education, Medical Trea
Slide 24: CIFL Financials
CIFL Financials ▪ Standalone ▪ Consolidated
Slide 25: CIFL Financials (Standalone)
CIFL Financials (Standalone) Income Statement Balance Sheet Year Quarter As at Particulars (in ₹ Mn) Particulars (in ₹ Mn) FY21 Q1’FY21 Q1’FY22 31-Mar-21 30-Jun-20 30-Jun-21 Income Share capital 777 777 777 Revenue from operations 3,546 226 1,737 Reserves and surplus 4,814 4,685 4,850 Other income -
Slide 26: CIFL Financials (Consolidated)
CIFL Financials (Consolidated) Income Statement Balance Sheet Year Quarter As at Particulars (in ₹ Mn) Particulars (in ₹ Mn) FY21 Q1’FY21 Q1’FY22 31-Mar-21 30-Jun-20 30-Jun-21 Income Share capital 777 777 777 Revenue from operations 5,795 277 2,532 Reserves and surplus 4,851 4,483 4,859 Other income
Slide 27: Our Leadership
Our Leadership Our Board Our Management Team
Slide 28: Our Board
Our Board ▪ Our Board includes some of the extremely reputed persons in the Industry with extensive exposure to Indian financial ecosystem Ex. Chairman, NABARD >20 years of experience in the finance and real estate sector Carried out some major first of its kind institutional development initiatives
Slide 29: Management Team
Management Team ▪ Our Board includes some of the extremely reputed persons in the Industry with extensive exposure to Indian financial ecosystem >25 years of experience in 30 years of experience in 25+ years’ experience in commercial and retail lending Technology and nurturing managing large retail
Slide 30: Thank You
Thank You 30
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