customer interface ppt - vaya indiavayaindia.com/uploads/corporate-presentation_aug18.pdfvaya is an...

CORPORATE

PRESENTATION

August, 2018

1

2

New Generation Microfinance Company Led by Experienced Management

with Strong Capital Backing

Vaya is an NBFC-MFI that offers financial services & loans to aspiring

women entrepreneurs in rural areas to support their businesses & power their

aspirations.

Vaya was established in 2014 by a team of seasoned MFI professionals.

The core management team has a deep understanding of rural poverty.

We currently operate in 7 states with a growing strong base of 5,00,000 customers & 1,550 employees.

Mission✓ Cater to 5 million customers with convenient

group loans, individual loans, insurance & other relevant products & services.

✓ To be the preferred choice for customers through relationship built on mutual trust & respect.

✓ Leverage innovative & scalable digital processes and technology for quick and efficient delivery.

✓ To be a ‘great place to work’ for a committed and responsible team.

VisionTo be the best financial services provider in India

for ‘aspiring’ individuals and small businesses.

Dr. Vikram Akula, Chairperson (Non-exe.) & Co-promoter

Jagadish Ramadugu,Co-founder, MD & CEO

Dr. Bikshamaiah Gujja,Director

Gautam Ivatury,Director

Sandeep Parekh, Independent Director

Farzana Haque, Independent Director

* Total portfolio amount includes IDBI Bank BC portfolio

44 150

95 114 128

86 266

425 453

11

56 58

92

241

Aug'14 Mar'15 Aug'15 Mar'16 Nov'16 Mar'17 Sep'17 Mar'18 Jul'18

Yes Bank RBL Bank Reliance Capital Own book

Vayastarted as a

BC

= Disbursement start

NBFC-MFI license in May’17

882

689

377

237

Total* Vaya has the best technology

platform in the Microfinance

Industry & leveraging it to –

▪ increase customer base,

▪ reduce risk &

▪ improve productivity

Vaya has many experienced

& proven microfinance

professionals with >60 mid &

senior managers having 10+

years in sector alone

We have a High Growth

mindset in a High Growth

industry

Half-a-Million Customers, Rural Distribution Spread Across 7 States &

80 Districts with Diversified Portfolio

Amount in ₹ Crs.

3

Journey so far & Portfolio growth…

Fastest Growing MFI @99% CAGR. Now aggressively building own book.

4

eKYC with Iris, OTP, Finger-prints, Manual & QRCB integration with Highmark & Equifax

Capability to deliver a loan into a Customer’s Bank account in 7 mins.

Vaya’s Technology Architecture is Best in Microfinance Industry

Pioneering Digital Finance: Use of Digital Technology for Client Acquisition, Credit Evaluation, Business Intelligence, People Management & e-Learning in a data rich environment

eKYC using IRIS Online Credit Bureau Check

Network Offline operability for loan sourcing

100% Cashless Disbursements

Loan Utilization Check with Geo

Tagging

Visual questions for quick data

capture

Vernacular SMS notifications

IVRS calls for repayment reminders

Fastest Growing MFI with 110% CAGR Customer Growth &

Significant Network Expansion

Significant ramp-up in operating metrics aided by strong process, technology & brand image

Branches

29

76

141

223 242

FY15 FY16 FY17 FY18 Q1-FY19

Active Clients (‘000)

21 128

256

413

490


Employees & Sangamitras (Field Officer)

173355

774

1,192 1,129

257

542

1,030

1,611 1,567


Sangamitra

Employees

Districts

7

37

51

72 80


5

Poised for High Growth & High Profitability Supported by Networth of ₹158 Crs.^

Gross Revenue (₹ Crs.)

2 15

35

52

27


-6.9 -4.7

5.6

3.7 3.5


PAT (₹ Crs.) EPS (₹)

-6.5 -2.2

2.4 1.2 1.2


Networth & Book Value

14 9 18

54

86 6.7

4.4

7.4

8.9 9.9

-

2.0

4.0

6.0

8.0

10.0

12.0


-

10

20

30

40

50

60

70

80

90

100Networth (₹ Crs.)

Book Value** (₹)

>-80% -15.8%

7.4% 3.3% 3.9%


Return on Assets*

>-90% -40.5%

27.1%13.0% 15.1%


Return on Equity*

* The profits considered for RoA & RoE calculation are tax neutralised (on PBT) except for Q1-FY19^ ₹158 Crs. Networth includes ₹70 Crs. CCPS infusion by Promoters in July’18 | ** Book value excludes CCPS capital

6

Thank You

Please visit

www.vayaindia.com

and our social mediaFor more details E-mail to:

[email protected]

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