Facilitating a Lifetime of Progress

at the Base of Pyramid

www.fincare.com

©2016

Fincare Business Services

NBFC-MFI

• Disha Microfin

Business Correspondent (BC)

• Lok Management services

Management and Advisory

• India Finserve Advisors

FINCARE is the corporate brand name uniting the base of pyramid financial services and distribution (BOP-FSD) platform comprising of:

The platform aspires to be a Rs.5000 Cr business by 2019 through diversified verticals serving the base of pyramid sector The platform is transitioning to proposed Fincare Small Finance Bank basis license approval to the effect from the Reserve Bank of India

FUNDING PARTNERSHIPS

32

BC PARTNERSHIPS

5

2

1647 Cr In AUM

12 Lac Clients

4 Business Verticals

290+ Locations

3600 + Employees

2.84 Lac + CSR Beneficiaries

EQUITY INVESTORS

Watch Banking On More...The Fincare Way! https://www.youtube.com/watch?v=BmYNYKJvGQQ

525 Cr Networth

… a n d o t h e r s

©2016

Platform Active Business Entities* –Footprint

A Holistic Profitable Base of Pyramid Platform

Central Management Company

Build and Execute Strategy Team of functional experts

Manage technology & Back office

3

Existing geographies

As on Apr’17

Watch The Life of a Loan In Our Business: https://www.youtube.com/watch?v=ZC34dEc8slo

• GJ, MP ,RJ, TN, KA, AP, MH, PY operations • INR 1296 Cr AUM • 8.9 lac active borrowers

• GJ, KA, TN, MP, PY, AP operations • INR 351 Cr AUM • 3 lac active borrowers

©2016

Equity Investor - Strong Capital and Strategic Support

TRUE NORTH (formerly INDIA VALUE FUND ADVISORS)

Driving the vision of a sustainable and compliant business and providing governance and strategic support.

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• Established in 1999 • Focus on transforming mid-sized

business into world class and socially responsible institutions

Pramod Kabra

Total Exp: 30 yrs Last Org: Unilever Qual: Chartered Accountant

Srikrishna Dwaram

Total Exp: 15 yrs Last Org: Yes Bank Qual: B.Tech(NIT) PGDM(IIM)

True North representatives associated with Fincare

Divya Sehgal

Total Exp: 20 yrs Last Org: Apollo Health Street Qual: B tech(IIT), PGDM( IIM)

ABOUT • Group companies • Top line – `10000+ Cr • Bottom Line – `1000+ Cr • Employees – 40000 +

Portfolio Of Investments True North- Creating Sector Leaders

Fincare Platform

Rajiv Sabharwal

Total Exp: 26 yrs Last Org: ICICI Bank Qual: B tech(IIT), PGDM( IIM)

©2016

Best in Class Management Team

5

Deep understanding of business dynamics

Unique mix of professionals and entrepreneurs

Keen involvement in industry forums leading to thought

leadership

Strong sense of ownership and commitment among the senior

leadership team

Rajeev Yadav CEO

Experience: 23 yrs

Over 23 years of experience in financial services sector with a major part of his career as a business leader with global exposure

Professional expertise spans extensive P&L, business development, strategy & planning, product & relationship management capabilities

Previous stints include India Business Leader - PL & Mortgages (GE Money), India CMO and Business Development Leader (GE Capital), India CEO (GE Money) etc.

Guided by his experience, Rajeev is leading Fincare’s efforts towards conversion to Small Finance Bank

Experience: 21 yrs

Keyur Doshi CFO

Experience: 21 yrs

Prakash Sundaram CSO

Experience: 23 yrs

Praveen Arora COO – MFI & MEL

Experience: 23 yrs

Chandar Rao CTO

Experience: 22 yrs

Vivek Kothari COO – West MFI

Experience: 17 yrs Experience: 31 yrs

Kishore M. COO - South MFI

Pankaj Gulati CPO

Mahender Chawla COO – Channel Ops

Experience: 22 yrs

SUBASH V COO - South

Liability Banking

Experience: 21 yrs

RAKESH DAS

Head- Risk

Experience: 17 yrs

VENKATA JAYARAMAN

COO - Central Ops

Experience: 29 yrs

RAGHAVENDRA RAO Head Compliance

Experience: 25+ yrs

USHA MURALI

CRO

Experience: 30 yrs

©2016

Small Finance Bank Vision & Operating Principles

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Liabilities

Business

Secured

Business

Rural

Banking

©2016

Our Current Product Offering

Micro Individual Loans

• JLG Model of lending. • Loan amounts range from Rs.15,000 to Rs.40,000

with flexible repayment tenure.

Loan against Assets

• Business loans for capital needs with ticket size upto Rs. 10,00,000 with a monthly repayment schedule.

• Loan against Gold with instant valuation and disbursal

Bank Partnership Loans

• Bank Partnership Loans through BC model.

• SHG & JLG method of lending

• Currently partnering with Yes Bank Limited, Axis Bank Limited, Indus Ind Bank ltd, Development Credit bank and MAS

MFI

B

P

Secu

red

Fe

e B

ased

F a c i l i t a t i n g a L i f e t i m e o f P r o g r e s s A t B a s e o f P y r a m i d

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Value-added Products

Loans for: • Environment friendly Solar Lamps • Affordable mobile handsets

©2016

Our Business Philosophy- The Fincare Way

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