Capital India Finance Ltd · NSE:CIFL
Capital India Finance — Investor Presentation (June 2020)
35 slides from Capital India Finance's investor presentation, Jun 1, 2020
Slide 1: Capital India - Rediscover Business
CAPITAL I NOIA Rediscover Business Monday, June 1, 2020 Ref. No.: CIFL/BSE-12/2020-21 To, The Manager - Listing, BSE Limited, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai- 400001 Ref: Scrip Code - BSE -530879 Sub.: Submission of Corporate Presentation in compliance with Regulation 30 of the Secur
Slide 2: Capital India
C CAPITALINDIA Rediscover Business
Slide 3: Disclaimer
Disclaimer This presentation is not a prospectus, a statement in lieu of a prospectus, an offering circular / memorandum, an advertisement, an offer, an invitation to offer or an offer document in terms of the Companies Act, 2013, the Securities and Exchange Board of India (Issue of Capital and Disc
Slide 4: Contents
Contents Overview............................................. 5 Covid-19 Assessment …………….9 Our History………….…….……... 6 Risk Philosophy…………………..11 Our NBFC – Capital India Finance 01 | About Us Group Structure………….………7 Limited (CIFL)….………….……... 12 Our HFC – Capital India Home Loans (CIHL)……………..………
Slide 5: About Us
About Us Overview Our History Group Structure
Slide 6: Overview
Overview ▪ Capital India, with over two decades of experience, focuses on empowering Individuals, Our Focus and Business approach Indian Enterprises, SMEs and Mid Corporates, with bespoke financial solutions Value creation for our customers and ▪ We provide an array of financial services and funding
Slide 7: Group Structure
Group Structure Promoter Major Public Shareholders ▪ Capital India Corp LLP is promoted by Mr. and Mrs. Narvar. Mr. Narvar has Other Public Capital rich experience in Construction and infrastructure sector in India Capital India DS Group RJ Corp. Sudhir Power Ltd. Shareholders Corp LLP India Corp ▪
Slide 8: Our History
Our History Public Change of Acquisition by “A–” Rating Received Investment issue & Name to Capital India from ACUITE Housing in RapiPay Listing of Capital Corp LLP. (Formerly Finance Fintech Pvt. Equity India from SMERA) for Company Ltd. shares on Finance erstwhile our long- (HFC) license BSE. Limi
Slide 9: Market Opportunity and Our Positioning
Market Opportunity and Our Positioning Covid-19 Our Strategy Risk Philosophy Our NBFC – Capital India Finance Limited (CIFL) Our HFC – Capital India Home Loans (CIHL) Our Fintech Venture – RapiPay CIFL Financials
Slide 10: Covid-19 – Pandemic of the Century
Covid-19 – Pandemic of the Century The breakout of the unexpected disease has brought the World to a halt. However, these are the times when a robust business practices and preparedness is tested. We have ensured that our employees, customers and businesses are least impacted in these extraordinary
Slide 11: Covid-19 – Changing Business Landscape
Covid-19 – Changing Business Landscape Headwinds Our Stance ▪ The business activity is adversely effected due to lockdown and ▪ Till 31st March, 38.9 % of our loan book assets have been under we see demand to be sluggish for some quarters causing asset moratorium Mid Corporate and quality concerns S
Slide 12: Risk Philosophy
Risk Philosophy Risk Management Our well-defined Risk Management Framework lays down the processes, policies and governance standards for Dedicated credit and constant Risk team to continuously assess Constant appraisal of cases to successful management of risk across all monitoring team to review a
Slide 13: 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 new- age, local businesses with high-energy entrepreneurs through customized financial solutions.
Slide 14: Business Finance Scenario
Business Finance Scenario ▪ India’s Credit to GDP ratio has been diverging below India’s Credit to GDP Ratio its trend levels 70% 30% 65% 25% ▪ With the Government’s aim of making India a $5 20% trillion economy by 2025, the outstanding credit 60% -7.7% 15% would need to double in absolute terms to
Slide 15: CIFL Overview
CIFL Overview Our Customers Advantage Capital India Finance Limited Mid Corporates SME/Emerging Corporates ▪ Dedicated senior management team, with Entities having Turnover more than ₹2.5 Entities having Turnover less than ₹2.5 significant experience in the banking, Bn or Asset Size more than ₹1 Bn
Slide 16: CIFL Loan Book Overview
CIFL Loan Book Overview* Customer Segments ₹115 Mn ₹5.0 Bn 10% Average Ticket Size Book Size ₹0.6 Bn ₹1.5 Bn 63% 28% ₹2.9 Bn 44.5 Months ₹14.1 Bn Cumulative Disbursal Wt. Average Tenure Since Jan’18 Mid Corporates SME/Emerging Corporates Others ▪ We are building a healthy and sustainable loan book f
Slide 17: CIFL Performance
CIFL Performance Loans and Investments (₹ Mn) ▪ Capital and financial resources – Capital adequacy remain strong at 80.35% 6,147 5,961 ▪ Profitability – We believe that we have considered all the possible impact of known events arising out of COVID 19 pandemic in the preparation of financial 1189 re
Slide 18: Capital India Home Loans (CIHL)
Capital India Home Loans (CIHL) Our HFC घर आपका साथ हमारा Capital India Home Loans 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 tran
Slide 19: Housing Finance Landscape
Housing Finance Landscape At ₹13.4 Tn, home loans made up 52% of total outstanding personal loans ▪ The current estimate of the housing shortage in urban areas is around 10 portfolio of Banks as of Mar’20. To meet the current investment shortfall, Mn units. Investment of ₹120 Tn required to address
Slide 20: CIHL Offerings
CIHL Offerings CIHL Target Segment Home Loans ▪ Customized home loan solutions to meet every Individual customer’s exact need, through flexible EMIs and competitive interest rates Home Improvement Loans ▪ Convenient loans at affordable rates of interest, to renovate, repair or upgrade houses HUF Hom
Slide 21: CIHL Advantage
CIHL Advantage Capital India Home Loans (CIHL) is a new-age CIHL offers multiple product programs to suite vast diversity of Indian demography: housing finance company. We work on the i. Normal Income Program principal of “Ghar Aapka Saath Hamara” and ii. Banking Surrogate Program are committed to p
Slide 22: Loan Book Overview
Loan Book Overview (as on 31st Mar 2020) Loan Book Regional Split 900+ ₹8 lakhs >50% of the Customers Served Average Ticket Size disbursement through DSA & Tie-ups 36.0% ₹25.4 crores 64.0% 70% with CIBIL score 450+ Education loans; Resulting in low ₹45.1 crores > 700 < ₹1 lakh ticket size originatio
Slide 23: Our Fintech Venture
Our Fintech Venture RapiPay is a customer centric Fintech company providing an array of transactional services to the underbanked via a country wide network of “RapiPay Saathi”.
Slide 24: FinTech Insight – Payments
FinTech Insight – Payments FinTech is a dynamic segment of the financial services sector that is gaining significant momentum and disrupting the traditional financial services value chain. New FinTech companies and market activity are reconstituting the competitive landscape, blurring the identity o
Slide 25: RapiPay
RapiPay ▪ RapiPay has the fast-growing franchised retail network that facilitates convenient and secure financial transactions RapiPay Fintech Private Limited, for consumers towards payments for various utilities, bank account transactions and domestic money remittance operates on an Assisted mode ▪
Slide 26: Vision
Vision Building the largest network of "RapiPay Saathis" – competent and equipped with technology – to provide retail financial services via one-stop payments solution platform to its end customers, in a manner that is simple and secure. 25
Slide 27: Target Segment
Target Segment CURRENT PLAYERS TOMORROW’S WINNERS Private Banks Amazon Pay, Google Pay, PhonePe RICH ( >₹17 lakh) 16mn PSU Banks, NBFCs STRIVERS PayTM, UPI (₹3 to ₹17 lakh) 160mn Micro Finance RapiPay ASPIRERS (₹1.5 to ₹3 lakh) 360mn None RapiPay DEPRIVED (up to ₹1.5 lakh) 680mn 26
Slide 28: Aggregators Integration
In-House Technology Stack RapiPay RapiCash RapiBooking RapiInsurance Wallet API H2H Banks DMT AEPS Flight CDM Life B2B Agent FO Recharge MPOS Hotel Wallet Network General Providers Web BBPS CMS MATM Travel API On-board Inventory Credit Risk Plan MO KYC Catalogue Liquidity AML Mobiles Integration Con
Slide 29: CIFL Financials
CIFL Financials ▪ Standalone ▪ Consolidated
Slide 30: CIFL Financials (Standalone)
CIFL Financials* (Standalone) Income Statement Balance Sheet Particulars (in ₹ Mn) Year Quarter Particulars (in ₹ Mn) As at FY19 FY20 Q4’FY20 31-Mar-18 31-Mar-19 31-Mar-20 Income Share capital 35 777 777 Revenue from operations 539 1,038 264 Reserves and surplus 1,273 4,345 4,619 Other income 30 15
Slide 31: CIFL Financials (Consolidated)
CIFL Financials* (Consolidated) Income Statement Balance Sheet Particulars (in ₹ Mn) Year Quarter Particulars (in ₹ Mn) As at FY19 FY20 Q4’FY20 31-Mar-18 31-Mar-19 31-Mar-20 Income Share capital 35 777 777 Revenue from operations 554 1,145 318 Reserves and surplus 1,271 4,298 4,434 Other income 43 4
Slide 32: Our Leadership
Our Leadership Our BoD – Independent Directors Our Management Team
Slide 33: Our Board of Directors – Independent Directors
Our Board of Directors – Independent Directors Vinod Kumar Somani | Chairman & Independent Director ▪ Mr. Vinod Kumar Somani is a fellow member of the Institute of Chartered Accountants of India and a senior partner with M/s KG Somani & Co., Chartered Accountants, since 1986. He has been auditing th
Slide 34: Our Management Team
Our Management Team Keshav Porwal | MD – CIFL ▪ Keshav Porwal is responsible for formulating the organization’s overall growth strategy and guiding its evolution into a reputed financial services institution. With almost two decades of experience in the finance and real estate sector, Keshav is an i
Slide 35: Thank You
Thank You 34
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