India's First Property Credit Bureau Problem statement • Real Estate too Illiquid. • Property Assessment is a Pain • Digital Loan Journey is Compromised in Mortgage Loans • TAT, Risk and Non Quantifiable Report • Lending is tilted to Unsecured Loans • Evergreening of Loans as high as 50 % • Mortgage is 11 % of GDP i n India while Its average is 50 % of GDP in developed Economies Property Assessment Navanc Lite Valle Navanc Score & report Get salient features of property From coordinates Get Valuation & Legal search Get comprehensive property Creditworthiness Score and ML models Stakeholder Business Origination Credit/ Technical - Legal Credit - Risk - Collection Product Lines Property Assessment Saved half a days effort in report writing ,Features like dashboard and billing assist would help us to be more orderly . Service Providers who used Valle (MM Associates, Kalaburagi) My effort of visiting the Valuer, submitting the documents and collecting the reports are reduced. Navi Finserv (Branch Manager, Kalaburagi) The growth of Credit bureaus made the process of credit diligence and personal loan delivery seamless. A similar seamless bureau is needed in the space of title diligence and marketability. Navanc ’ s approach to this problem and the expertise of the team in the mortgages should seed the creation of a seamless experience in Title and marketability diligence of Properties. Founder of Chaitanya Former CEO Navi Finserv Customers, Partners & Testimonials Market Opportunity Valle, Could Capture 30 % of Market Size 15.6 Mn 487.5 Bn $ Market for Creditworthiness Score Number of Properties to be Mortgaged 1.1 Bn $ Valuation and Legal Market (Total Market) 3.51 Bn $ 1.66 Bn $ Approximate Mortgage Loan Book (for Mortgage,MSME and LAP) Total Market for Navanc (only B 2 B for Next 2 Y) Total Market for Navanc (with both B 2 B and B 2 C after 2 Y) 2.0 Bn $ 2.3 Bn $ Details Pricing with Integration to LOS (INR per report) Subscription Fee (per user/per month/paid quarterly upfront) Valuation Fee (Metro) Valuation Fee (Tier 1 & 2 ) Variable Fee (Based on State, City and Type of Property, INR per report) 250 (based on scope) up to 200 Users 2500 - 5000 1500 - 3000 Valuation Fee (Tier 3 ) 1500 - 2000 Legal Fee (Metro) 2500 - 5000 Legal Fee (Tier 1 & 2 ) 1500 - 3000 Legal Fee (Tier 3 ) 1500 - 2000 NAVANC Score Report 1000 Navanc Lite (INR per report) 150 Business Model & Pricing Traction and Unit Metrics Unit Metrics ○ Monthly Active Users - 03 ○ Revenue - Approx. 1.5 L a month ○ Burn - Approx. 7 L a month HFC 10000 Institution Approx. AUM (INR Cr) Navanc Lite Score Navanc Score Products in Use APAC Financial Services Mahindra Rural Housing Finance Financial Institutions Arthan Financial Services IIFL Samasta NBFC 500 Valle NBFC 500 Valle NBFC 500 Valle Navi Finserve Pvt Ltd NBFC 8000 Commercial Run Commercial Run Commercial Run Legal Valuation Risk assessment Navanc is the First Comprehensive Property Assessment Score which includes Valuation, Legal, Data Verification and Score Competitive Landscape (Global & India) - Matrix Team Nagachethan SM Founder and CEO Byom Kesh Jha Co - Founder, Chief Technology & Data Officer Ved Mathai Founding Member and Consultant 6 Employees Mentors 3 Interns 3 Consultants Resources 30 Cumulative experience years • Angel Round : $ 300 K (Jun 2022 ) • Kunal Shah (CRED, QED), Chattanathan D (Arya), Samit Shetty (Navi), Subramanya S V (Fisdom), Vinay Bhat (US Techie) Valle Platform Expansion in new states Create Best Tech Team Three Lines Product Development Data Gathering, Filtering and Structuring of Government Data Apply for a RBI Credit Bureau License Sep 2023 Dec 2023 Mar 2025 Mar 2023 Discussions for Seed round : $ 1.5 Mn Ask THANKS!