Post on 30-Dec-2015
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WELCOME TO THE WONDERFUL WORLD
WHERE YOUR BUSINESS IS TO BRING SMILE ……!
P-2Presentation by BDM for selection of CP
The scenario what you are seeing here is the common site and we ourselves have also suffered these kinds of situation many times.
Thousands of Indian citizen go through such conditions in want of various livelihood and services essential for a better life & the experience is definitely not very good and traumatize individuals forever.
After the 66 years of independence can we endeavour to provide something that can bring about changes to this scenario and turn such trauma to HAPPY AND JOYFUL EXPERIENCES.
The Scenario
NICT TPL has a mission to create
a strong network of social
entrepreneurs who will do
sustainable business for common
good.
On one hand they can get
employment and on other they
can provide services to the citizen
for better life in a conducive
environment where availing
services is a
“Happy and joyful
experience”
The change which we want you to be the part …… !
The Scenario
Gone are the days where for railway reservation and enquiry one had to wait in long queue.
Banking transaction had to be done between 10 AM to 3 PM by standing in the long queues.
All such services are now made available at
In association with the principle service providers, thereby cutting short the trauma of standing in long queues in non conducive environments.
The Business
As a channel partner you will be acting as a catalyst in empowering and facilitating the citizens through your Service Delivery Point (SDP) network right up to the door step of the citizen, thus contributing to the NICT mission
“citizen services a joyful experience with smile”
Welcome to the wonderful world of service business where your business is to do the things which make others’ life better.
Citizen
The Business
Channel
Partner
SDP
With a changing trend in governance and services where customers satisfaction is the focus and pivot of the business, with the increasing demand of better services from government or better services from business organizations.
The organizations are now intending to open a customer linkage point to increase their reach among the customers to have maximum market share.
The approach of the government face is also changing from governance to service orientation and in this direction one of the major steps and initiatives have been the implementation of national e-governance and passing of electronic service delivery bill by government of India.
State governments have also launched their citizen service initiatives like Lok Seva Kendra’s, CSC and many more.
The monopolistic services like Railway ticket reservation and banking was previously been handled by railways & banks, are also now made available at the door step of people by using information technology and people need not go the railway station & bank.
The Business
With the busting population, with youth population migrating to seek employment across country, leaving their traditional joint family and native place behind.
This has resulted in the emergence of several micro a nuclear families, with working husband and wife as well as the aging parents left at the native place as senior citizens to face challenges in availing various services which are essential for today’s life.
This breaking up of families due to migration and job opportunities & the growing need for services at the door step has given birth to a altogether new business opportunities where the services can be made available to them in a conducive & comfortable environment, where they can get services like railway reservation, information, banking, financial, insurance services & many other services under one roof.
This situation prevail both in rural and urban areas.
Keeping this scenario in view banks are now pro actively opening ultra small branch or a banking kiosk in order to maximum their business.
As per market reports the consumer/citizen/client is looking for value of their time and money & is highly motivated to avail the services in a manner where he can conserve on his time and money and “here comes the big opportunity“ NICT Service Shoppee.
The Business
The service sector, accounting for 60 percent of Gross Domestic Product (GDP) grew @ 5% in Financial Year 13.
The Indian Service Industry has emerged as one of the largest and fastest growing sector, has made substantial contribution in employment, growing at faster pace than manufacturing and agriculture.
Community, social and personal services have expanded and grew by 6.6% in 2012-13.
With the development of internet and computer usage e-Commerce and Internet base services are the fastest growing area.
With government initiatives in Electronic Service Delivery and their decision to hike FDI, more banks, Insurance organizations and government services are likely to be made available through Online distribution channels.
This will help consumers/citizen in getting services timely on demand, it will be economical to function through delivery channels for companies & government.
*Source National Survey
The Business
The People
With a vision of “Bridging the gap, digital or otherwise & improvement in the socio-economic scenario for all classes of people” NICT Technologies Private Limited was established in 2003.
It is continuously working forward to achieve its motto of bringing better citizen services through techno-sociological phenomenon called “Information Technology”.
Working with principle service providers like various government department, banks and public sector organizations, Today NICT group has touched the life of more than
35,00,000 people bring smile on their faces and are regular happy subscriber of NICT services experiencing joyful and happy delivery of citizen services.
We believe in inclusive growth and our endeavour is to create a entrepreneurial network and more than
3,000
of such successful entrepreneurs which we have are the assets of the organization bringing change with smile in the life of people.
At NICT our endeavour to master implementation of projects as time has come to venture out from the Pilot Projects mode to implementation of projects for benefit of citizens at large.
Our dedicated team “K the Karma” is at your service to ensure proper navigation to sail you through tides, ensuring sustainable business propagation.
The People
The K man on the go what may come
• Working in the area of ICT4D, since 2001. NICT
group has ventured several multi-location projects.
• ISO 9001:2008 certified organization.
• Revenue base -- More than Rs. 45 cr.
• Specialization --- Implimentation of projects.
• Skill -- end to end solution for ICT based
developmental projects, e-governance, skill
development & education, banking, citizen
services.
• Financial inclusion, IT facility management,
hardware and software, utility services.
• Special skills -- Government and ICT projects.
• Existence -- Pan India with center and spokes right
up to village level.
The PeopleNICT Group
Our Clients
SHARADA Project in association with Municipal Corporation Delhi 24 Cr.
Project Value
Free computer education Project in
association with Department of School Education, Haryana• 33 + 55 schools project value 10.80 cr.• 1240 schools Project
value 30.72 cr.• 2622 school – Project
value 85.90 cr.
National Council for Promotion of Urdu Language
(NCPUL) - Ministry of
Human Resource Development
Govt. of India – Project value 15
cr.
Schools Education Department CAL in 645 schools of South Gujarat with Core Projects Ltd. – Project value 4.02 cr.
SAMADHAN Project in association with District Administration Indore Project value 3.75 Cr.
Common Service Center Project in Association
with GoI & M.P. Government & MPSEDC –
Project value 20 cr.
Schools Education Department
CAL in 3121 schools of SSA Gujarat with Core Projects
Ltd. – Project value 31.56 cr.
Principle Service Provider & Associates
• State Bank of India• Bank of India• Indore Nagar Nigam• Aadhaar• MPEB • MPOnline• IRCTC• CSC e-Governance Service• PAN Card• Telecom• PFRDA• Utility Bill Payments• Insurance• Retail
NICT Group - Accolades
KIOSK BankingSkoch 2011 Financial
Inclusion
KIOSK BankingMAP_IT Excellence
Award
2013 WSIS Award at Geneva
For Project ShakshamDistribution of Old age
PensionUnder PPP model with BoI
2012 WSIS Award at Geneva
For Project Samadhan under PPP with District Administration Indore
Skoch 2010 AwardFor Computerized Bill Collection and Online Remittance System
e-India 2009 Award under e-gov. civil society/development agency initiative of the year
for CSC Project
RBI, Honourable Governor Mr. D. Subbarao visiting
NICT Stall with CMD, BOI, Mrs. V.R. Iyer.
Mrs. V.R Iyer, Chairman & Managing Director, Bank of
India visiting NICT CSP Manpur
CSI-TCS Award for Best Usage for project SHARADA
M.P. State e-gov appreciation award MAP-IT for making replica gyandoot in
21 dist.
NICT Group - Accolades
The Product
Our products are providing various services to citizen and it is mix of various citizen services which has a proven establish consumer line. The services are important and essential.
It provides a platform for transformation of citizens from anxiety to confidence.
NICT Service Shoppee Subscriber
Citizen
????
The Business Architecture
Citizen
Channel
Partner
SDP
The three layer architecture of business provides end to end sustainability with distributed economics.
NICT :The service aggregator and the owner of brand NICT Service Shoppee who will bring services from principle service providers.
The Channel Partner (You):The Key anchor and service facilitator who will manage the net worth of the service delivery point.
Service Delivery Partner :The front end service delivery shop who will provide all the services in the bouquet to the user and the citizen
The Qualities & Capabilities
To Qualify as Channel Business Partner following are the requirements
Minimum Qualification - Graduation in any stream with computer literacy
Net worth - 10 Lac
Should have or could arrange space of at least 400 sq. ft.
Domicile of the district
Should not have any police record
Should be socially well connected
Should be able to invest 2.50 Lac to 7 Lac depend upon the population of
the district.
The Channel PartnerAs a channel partner you will be responsible for establishing the service delivery network in your district.
CP has to establish a district operation office with physical and digital infrastructure including furniture, fixtures, computer, UPS and net connectivity.
For operations, CP has to appoint District Manager Sales, District Manager Services and Coordination unit with appropriate no. of office executive and minimum two tele calling executives.
CP has to identify service delivery partners at block, Tehsil and Gram Panchayats with due diligence in terms of their physical verification, documentation and has to ensure the service delivery through Service Delivery Partners.
Shall be responsible for development of customer base through local advertisement and mobilization.
The operations are divided into two parts Sales and Services and CP has to provide sales, service and coordination .
NICT-TPL
Citizen
“citizen services a joyful experience with smile”.
The Business Process
NICT-TPL
Channel
Partner
Service Delivery Partner
Owning & Providing the
service tie ups,
monitoring and
management with principle
service providers
Selection and establishment of Service Delivery
Partner, Coordination and
ensuring the sustainable
revenue generation from service
delivery partner network in the area
Providing various citizen services as per the provisions in SLA’s ensuring the sustainable
revenue generation in the
area
Building the Blocks by CP
Service Delivery Partner
The Channel Partner in his area select service delivery partners.
Where Ward in the city, Block Head Quarter,
Gram Panchayat
Who Retired bank employee, Ex-service man army, Retired teacher, NGO/Self Help Group, STD/PCO/Photocopy Shop, General Store, Mobile recharge Shop, Medical Store, Insurance Agent, Share Terminal
Why To build the sustainable service provider
network through which service shall be provided to citizens
Understanding Revenues
Comm
issio
n
advi
ce
Selection of SDP
Sale SDP
Franchisee
NICT State Office
NICT HO
SDP franchisee Commission CP
Principle Service Provider
SDP
Serv
ice
Tran
sact
ion
Revenue income from service transaction
Sustainable RevenueOne time sale
Business Plan for Channel PartnerProjected Revenue by Sale of SDP Franchisee Per Month
Service Unit Rate
Biometric /Third Party Charges
Net after Biometric
S.T
Net after service
Tax
Share of CP
BANKING 1 20,000 2,800 17,200 1,892 15,308 7,654
TOTAL 25 500,000 70,000 430,000 47,302 382,698 191,349
BROKING 1 20,000 0 20,000 2,200 17,800 8,900
TOTAL 25 500,000 0 500,000 55,002 444,998 222,499
IRCTC 1 8,000 4,000 4,000 440 3,560 1,780
TOTAL 20 160,000 80,000 80,000 8,800 71,200 35,600
INSURANCE 1 5,000 0 5,000 550 4,450 2,225
TOTAL 50 250,000 0 250,000 27,500 222,500 111,250
TOTAL PER SDP 1 53,000 6,800 46,200 5,082 41,118 20,559
GRAND TOTAL 1,410,000 150,000 1,260,000 138,604 1,121,396 560,698
* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.
Business Plan for Channel PartnerProjected Sustainable Revenue by Transactions Per Month
Service Unit Estimated Income
of SDP before taxes
Royalty Share of CP @ 50% of
the Royalty
BANKING 1 15,375 3844 1,922
TOTAL 25 384375 96094 48,047
BROKING 1 20513 5128 2,564
TOTAL 25 512825 128206 64,103
IRCTC 1 22501000
500
TOTAL 20 45000 11250 5,625
INSURANCE 1 3,000.00 750 375
TOTAL 50 150,000.00 37500 18,750
TOTAL PER SDP 1 41,138.00 10285 5,142
GRAND TOTAL 1,092,200.00 273,050.00 136,525.00
* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.
Banking
Broking
IRCTC
Insurance
Benefit to Channel Partner
Self Employment the Joy of to be the own Boss !
Social Recognition
Performance Linked
Incentives
Attractive Remuneration
Leading BrandIRCTC IIFLBOI UTISBI
NICT Support System
To make you Win ! NICT – TPLNational Team
State Team
Administration
Accountant
Insurance Executive
IRCTC/Pan Executive
Broking Executive
Banking Executive
Business Development
Manager (BDM)
Channel Partner (CP)
Service Delivery
Point (SDP)
Welcome to NICT-TPL family
Thank you
The Best Time I have spend with you will result in good business……!
Because at NICT we believe to work with people, scaling them to their full potential.
Which produce good results and we feel good doing inclusive good & growth.
Banking – Estimated Inflow (SDP)
SUMMARY OF ESTIMATED MONTHLY COMMISSION
StepsBy No frill a/c
openingBy Rd a/c opening
By Transaction
Total commission
Share of SDP @ 75%
1 5000 1000 9375 15375 11531
2 5500 1500 10000 17000 12750
3 6000 2000 11250 19250 14438
4 6500 2500 12500 21500 16125
* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.
Banking – Estimated Inflow (SDP)BY NO FRILL ACCOUNT
Step
No of accounts open per
day
RateWorking days in a
month
No of units in the month
Commission from account
opening
1 10 20 25 250 5000
2 11 20 25 275 5500
3 12 20 25 300 6000
4 13 20 25 325 6500
BY RD ACCOUNT
Step No of
accounts open per day
RateWorking days in a
month
No of units in the month
Commission from account
opening
1 2 20 25 50 1000
2 3 20 25 75 1500
3 4 20 25 100 2000
4 5 20 25 125 2500
* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.
ESTIMATED TRANSACTION REVENUE PER MONTH
STEP
Expected No of No Frill A/c in a month
5% A/c on regular
Transaction
Approx amt of
transaction on
each a/c
Per Day Transaction
Total Deposit- 50% - In 25days
Total Withdrawal - 50% - In
25 Days
Commission on
Deposit -0.5%
Commission on
withdrawal - 0.5%
Commission by
Transaction
1 250 15 5000 75000 937500 937500 4688 4688 9375
2 275 16 5000 80000 1000000 1000000 5000 5000 10000
3 300 18 5000 90000 1125000 1125000 5625 5625 11250
4 325 20 5000 100000 1250000 1250000 6250 6250 12500
Banking – Estimated Inflow (SDP)
* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.
Back to Revenue
Slide
Broking Service – Estimated Inflow Projected SDP Income Per Month
No. of Clients
Minimum turnover by Each Client
Minimum
turnover by Each
SDP
Expected Intraday turnover ( Daily Basis) -
70%
Expected Delivery Turnover
- 30%
Brokerage on Intraday Basis - .03%
- Daily
Brokerage on
Delivery - 0.3% - Daily
Total Income on Daily
basis
Monthly income - 22 days
IIFL Brokerage Share -
30%
Net Income
SDP Share
20 60000 1200000 840000 360000 252 1080 1332 29304 8791 20513 15385
25 80000 2000000 1400000 600000 420 1800 2220 48840 14652 34188 25641
* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.
Back to Revenue
Slide
IRCTC – Estimated Inflow (SDP)Indian Railways Catering and Tourism Corporation
Expected No of
TicketsCategory
Expected No of Tickets category
wise
Commission Per Ticket
No of Working
Days
Amount
Royalty
Expected Revenue
Per Month
10AC 3 20 25
3250 1000 2250Sleeper 7 10 25
16AC 5 20 25
5250 1000 4250Sleeper 11 10 25
22AC 7 20 25
7250 1000 6250Sleeper 15 10 25
28AC 9 20 25
9250 1000 8250Sleeper 19 10 25
34AC 11 20 25
11250 1000 10250Sleeper 23 10 25
* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.
Back to Revenue
Slide
INSURANCE – Inflow - SDP
Estimated Income from Insurance Policies Per Month
Insurance agents by collecting & depositing the premium from the policy holders
agent gets commission which may vary from product to product & from company
to company. As per prevailing market condition & rate an agent can generate
revenue approximately to Rs. 3000/- per month. Agents can earn a lot more than
this depending upon his ability skills and enthusiasm as sky is the limit for earning
under this business.
Back to Revenue
Slide
Banking (BC & BF) - Introduction
State Bank of India & Bank of India
Till date there are 31 Crore saving bank account in India. As per survey, Actual accounts holders are not more than 20 Crore. 83% People in India still don’t have saving account. State bank of India is the largest bank with approx 14000 branches State bank group is having approx 20000 branches. Bank of India is having approx 3079 branches across India. Manglam Village in Pondicherry became the First village in India where all household
were provided Banking Facility. Jan 2006 RBI permitted Banks to engage BCs. Relaxation in KYC under kiosk banking. RBIs vision for 2020 is to open 600 million new customers accounts. A designated official from the link branch will be visiting the ultra small branch / Kiosk
branch once in a week. Unbanked Villages earmarked under the Financial Inclusion Plan (FIP) by Ministry of
Finance GoI ,where Banking Services are to be made available by way of a Brick and Mortar Branch or any IT based Model ( Kiosks).
Banking (BC & BF) – Benefits
Hassle free saving account opening.
Less KYC documents.
No Queue.
No Travel expenses
Easy deposits, withdrawal & Cash Remittence.
Easy R.D. & F.D Account opening.
Amount can be deposited from anywhere.
Transfer Subsidies , Scholarships and other Benefits directly in to the account
Banking (BC & BF) – Eligibility
Should have minimum 100 x 150 Sqft area.
Must be above 18 years & should have entrepreneur skills.
Zeal of taking community and people together.
Minimum 12th pass with basic knowledge of computers and internet.
Should have pleasant and friendly communication skills.
Should have or could procure one Computer, Printer, UPS & internet
facility.
Banking (BC & BF) – Investment
Investment - Rs. 20,000/-
Identification, training and orientation Fee including taxes Rs. 17,200/-
Biometric device with taxes Rs. 2,800/-
Yearly renewal fee 2500/-
Apart from above the SDP should have computers, printers, UPS, furniture
& fixture, small space for 100 to 150 sq. ft.
Required working capital of Rs 10500/- for doing transaction at kiosk
branch.
IIFL – Service
Home Loan
Gold Loan
Commercial Vehicle Loan
Equity
Commodity
Currency
Other Financial services i.e. Portfolio Management, Intraday, Investment
Broking Service – Benefits According to credit rating agency ICRA, loan market is expected to grow 17-19
percent
Loan for construction of house, child education.
Subscribe to IPO of companies to buy new shares.
8 Cr People are using capital market & out of 121Cr.
Indian stock exchange are top ranked stock market in the world.
Trade Terminal
Minimum time & documentation for approval.
Equity is the backbone of capital markets.
Broking Service – Requirement
Should have minimum 100 x 150 Sqft area.
Must be above 18 years & should have entrepreneur skills.
Zeal of taking community and people together.
Minimum 12th pass with basic knowledge of computers and internet.
Should have pleasant and friendly communication skills.
Should have or could procure one Computer, Printer & internet facility.
Investment Identification & Training Fee (Including taxes) - Rs. 20,000/-
Yearly Renewal Fee - Rs 2,500/-
IRCTC Ticketing
Indian Railway is on of the largest Rail network in the world.
More than 3 Crore Passengers use Railways daily.
Approx 32 Crore reserved tickets are booked in a year [2012 data].
Approx 55% tickets are booked from windows, 37% through IRCTC & 8%
through booking agents.
IRCTC severs are upgraded to book 7200 ticket per minute.
Tatkal Booking facility constitute 10% of total seats available.
Indian Railways Catering and Tourism Corporation
IRCTC – Benefits
Instant & hassle free Booking.
Paperless / M-ticket.
No long Queues.
Unlimited number of ticket bookings
No Travelling Time & No Extra Expenses.
Delivery of Ticket at door step.
Flexibility of selecting seat / berths.
Automatic up gradation of seats based on availability in higher class.
Can be booked 23hrs in a day i.e. 00.30am to 11.30Pm.
Time Management.
Can select you type of food (Rajdhani/Duronto) and bed roll (Garib Rath)
Attractive commission from IRCTC
Indian Railways Catering and Tourism Corporation
IRCTC – Requirement
Indian Railways Catering and Tourism Corporation
Should have minimum 100 x 150 Sqft area.
Must be above 18 years & should have entrepreneur skills.
Zeal of taking community and people together.
Minimum 12th pass with basic knowledge of computers and internet.
Should have pleasant and friendly communication skills.
Should have or procure one Computer, Printer & internet.
Class three Digital signature
IRCTC – Investment
Indian Railways Catering and Tourism Corporation
Investment - Rs. 8000
Identification, training and orientation Fee
Digital Signature and ID creation fee
Yearly Renewal Fee Rs. 1000
Apart from above the SDP should have computers, printers, UPS, furniture & fixture,
small space for 150 to 200 sq. ft. This is value added service and should be added
with banking or broking.
INSURANCE – Scope
LIC is the largest life insurance company in India
Life Insurance is the key to good financial planning.
Insurance safeguards your money
To secure your families future.
Insurance is attractive, safe & long term saving option.
As on May 2011 there were only 200 million (20Cr) life insurance
Policy holders.
INSURANCE – Benefits
Risk Cover
Planning for life stage needs
Protection against rising health expenses
Builds the habit of thrift
Safe and profitable long-term investment
Assured income through annuities
Protection plus savings over a long term
Growth through dividends
Facility of loans without affecting the policy benefits
Tax Benefits
Mortgage Redemption
Daily hospital cash allowance
Convalescence benefit
Alternative treatment
Treatment taken at home
INSURANCE – Requirement
Must be above 18 years & should have entrepreneur skills.
Zeal of taking community and people together.
Minimum 12th pass with basic knowledge of computers and internet.
Should have pleasant and friendly communication skills.
Investment
Investment as Identification & Training Fee – Rs. 5000/-
Yearly Renewal Fee – Rs. 500/-
PAN Card – Scope
Pan Card is ten Digit alphanumeric number issued in laminated card.
People do not know how to obtain.
Pan Card is mandatory for opening of account & all type of financial
Transaction.
Approx 140 million people in India have PAN cards.
Approx 110 Cr People need pan Card.
This an value added service with broking, banking.
PAN Card – Benefits
Pan card is a identity proof for Indian citizen.
Pan card is required for opening any back account in India
Pan card is required for also buying & selling of immovable property and any
motor vehicle except two wheelers.
Pan is required for depositing cash aggregating to fifty thousand rupees or
more.