We are working to create Financial Inclusion with Trust and Technology Digital Loans for Farmers within 3 Mins ww.finclus.in Multiple Filling Forms Multiple Bank Visits Processing Fees Challenge 50% of farmers end-up take Informal credits start at 50% rate of interest from Local Loan sharks 3-6 Months Getting a Farm Credit is a hassle! Farmer Bank Loan Process Kisan Credit Card KYC Assets Liabilities eRupee Finclus is creating Simple, Swift, Smart Digital Agri Loan platform Simple : Enable Farmer to leverage the advantage of Kisan credit from Financial Institution Swift : A Digital Identity called FincID with KYC, Assets & Liabilities mapped which will accelerate loan issuance Smart : AI driven Credit Checks, Traceability of loan utilization l Solution FincID Seeds Fertilizers Produce Loan Approval Turn around Time & Processing charge reduced by 10X Value Proposition : Farmers Decentralized storage with soft collections Apply for a Loan in one click FincID for Financial Services Buy Agri Inputs & Seeds By reducing cost of acquisition & minimizing NPAs • Verified encrypted user data and simplified KYC • Lower turnaround time and no middlemen By increasing penetration through cross-selling • Increased trust and customer loyalty • Frictionless experience and instant customer acquisition By propelling flow of credit through instant underwriting • Modern Credit infrastructure powered by AI • Anyone with a smartphone can apply for a loan for instant approval Value Proposition : Banks Underlying Magic for Farmer ❖ Yes or No in 1 Minute ❖ Sanction Letter in 1 Minute ❖ Money in a/c in another 1 Minute With us they get Loan Agri Loan in 3 Mins Farmers get benefit ❖ Loan in 3 Mins ❖ 4% Interest rate ❖ 15% Discount on Agri Inputs Group Lending • Instead of one farmer the loan will be lent to a group • Social Pressure will play important factor for repayments Tripartite Agreement with Milk Unions & FPOs • Stop Purchase in case of Default • Milk Unions and federations play a crucial role in accelerating adoption & reducing risk of default By propelling flow of credit through instant underwriting • Modern Credit infrastructure powered by AI especially for Agriculture & Animal Husbandry • FincID will be crucial to tag the assets and liabilities, leverage the payment history and improve good credit habits to Farmers through education and importance of cashflow • Web 3-Auditable, tamper resistant made with the use of blockchain Underlying Magic for Banks Rs.2000 Per KCC card Issuance Business Model We charge on KCC card issuance , commission on Loan Transaction & Agri Inputs 2% on every Loan Transaction 5% commission on Agri Inputs 14 Milk cooperatives signed up 2% on every Loan Transaction 5% commission on Agri Inputs ➢ ts App Market strategy Build Network of farmers, Banks, Governments, FPO & milk-cooperatives Cross-sell other financial products like Gold loans & insurance at low cost, with customer centric approach with awesome technology. Leverage for Agri & Commodity Supplies Partnering with Co operatives, Commodity Boards, Contract Farming Agencies 44M Farmers $180B TAM $1B SOM $15M Seed round 10M Transactions $50M Revenue Market size Financials-36 months=1M farmers Competitive Landscape DigiLocke r • Educating Farmers • Agri Supplies • BNPL • Higher rate of Interest • Smart Farming • Agri Supplies ❖ Network of Farmers, Banks, Co ops ❖ Lower Interest Rate ❖ Lesser NPA ❖ Faster Processing ❖ Repeated Credit Cycle ❖ Easy and Quick access to Credit data with FincID ❖ End to end Agri Stack Meet our Team Naveen Kumar Chartered Accountant , Accounting & Finance Murali V 25+ Years Experience leader in IT Industry Ex – Huawei , BITS alumni MG Mohan Kumar Deccan airlines founder, Finance & head of strategy Air Deccan He took Deccan airlines & 25 companies to IPO Viswanadh Akella 18+ Years Experience leader in IT Industry , Management & Innovation IIM K, B.Tech Dr.Rakesh Verma Ex-IAS(VRS) Kashinath Gokarna BITS alumni & Serial Entrepreneur, who created BADAL & digital cash project for India via iSpirit, Part of Aadhar, AA, OCEN etc & other Techies from the Ispirit & national blockchain project. Srinivas Guguloth B.Tech CS, IIT Hyderabad Thank you