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TRANSCRIPT
CORPORATE
PRESENTATION
August, 2018
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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.
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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
FY15 FY16 FY17 FY18 Q1-FY19
Employees & Sangamitras (Field Officer)
173355
774
1,192 1,129
257
542
1,030
1,611 1,567
FY15 FY16 FY17 FY18 Q1-FY19
Sangamitra
Employees
Districts
7
37
51
72 80
FY15 FY16 FY17 FY18 Q1-FY19
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Poised for High Growth & High Profitability Supported by Networth of ₹158 Crs.^
Gross Revenue (₹ Crs.)
2 15
35
52
27
FY15 FY16 FY17 FY18 Q1-FY19
-6.9 -4.7
5.6
3.7 3.5
FY15 FY16 FY17 FY18 Q1-FY19
PAT (₹ Crs.) EPS (₹)
-6.5 -2.2
2.4 1.2 1.2
FY15 FY16 FY17 FY18 Q1-FY19
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
FY15 FY16 FY17 FY18 Q1-FY19
-
10
20
30
40
50
60
70
80
90
100Networth (₹ Crs.)
Book Value** (₹)
>-80% -15.8%
7.4% 3.3% 3.9%
FY15 FY16 FY17 FY18 Q1-FY19
Return on Assets*
>-90% -40.5%
27.1%13.0% 15.1%
FY15 FY16 FY17 FY18 Q1-FY19
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
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Thank You
Please visit
www.vayaindia.com
and our social mediaFor more details E-mail to: