Beyond Credit ‘Creating an Impact in rural India’
AIM:
To improve offering and encourage entrepreneurship by extending banking solution and Financial Inclusion
Help Women in rural village become economically self sustainable by providing Micro- Loans.
COMPANY BANDWITH
Impact Created In Rural India SOCIAL IMPACTS
Svatrantra Microfinance Presence: 810+ VISION
Branches • Eradicated hunger, poverty & malnutrition and
Available in: 19 States promoted education among children, women and
• -Provide Next-gen Microfinance
Current presence: 330+ Districts
• -Constant Technology Innovation
elderly through Akshay Patra.
Rural Coverage: 90,000+ Villages
• Protected and empowered women, fostered
Catered 20,45,534 lakh unique Visitors on • -Encourage Entrepreneurship
Website humility and gallantry among men through Meer
• -Offer Financial and non-financial Foundation.
WEST:- • Promoted Socio Economic development of every
Micro-Credit
Maharas NORTH- Child through Aditya Birla Education Trust.
htra, Punjab,
Gujrat, Haryana, IMPACT STORIES BY
Rajastha Uttarakha SVATANTRA
n, MP nd
EAST:-
Chhattisgarh,
CREATED
BY SMPL
Jharkhand, Enabling Offer Financial stimulus Leverage Innovation
IMPACT
Bihar, UP, Entrepreneurship through Micro Loans supported by Technology
Odisha, WB,
Assam, Tripura HOW WE DO IT
SOUTH:- and AP • Conduct • Payout Money • Creating • Offer Timely
• Identifying • Detailed
Karnataka, customer's Workshops on to run group of 5-
Application
Guidance
financial business 12 peoples
Tamil Nadu, who
efficiently by field process to
•
benefits literacy Timely
Kerala officers shortlist
from Loan. collection o
Potential
• Develop • Through EMIs
• Through Customers
money Financial and • SVATANTRA
PROPOSED SOLUTIONS Solution #1 Solution # 2 and 3Solution # 4 and 5
MEDIA STRATEGY
SECTOR OVERVIEW HEALTHCARE EDUCATION
STARTUPS STARTUPS
Potential opportunities in different sectors
Maatritva ConveGenius
HEALTHCARE FINTECH
Ensuring 100 percent Bridging the extant
Rural India has a severe shortage of Fintech players are helping, microfinance institutional delivery learning gaps
human resources for health and lenders to reduce their operational costs affordably in India by
startups are trying to solve this issue by and reach a larger audience of borrowers leveraging technology,
leveraging technology. Significant without having to hire additional field Niramai and implementing
urban–rural differences in HRH with officers. nudged learning from
urban areas having four times greater Hence potential sector for Microfinance
NIRAMAI stands for "Non-
its programs
doctor density than rural areas. Investment. Invasive Risk Assessment Cograd
EDUCATION RURAL UNEMPLOYMENT with Machine
Intelligence“ Building Next Gen
As 65% of the population of India is Schools
There has been a significant decrease in ThinkZone
situated in rural areas, emphasizing on Medyseva
the Unemployment rate.
rural education will help boost the Providing quality
The rural development ministry has sought Get video consultation
overall economy. learning opportunities
additional funds of about Rs 25,000 crore with city doctors in own
An increased access to credit allows for children in low
for the MGNREGS, in a clear indication of a village
parents to do basic things, like pay fees resource settings
rise in demand for work.
for better schools, buy uniforms, school
INCREASE IN DEMAND HAS LED
supplies. TO MORE MICROFIN-INVESTMENT
FINTECH EMPLOYMENT
Facts Government Schemes STARTUPS STARTUPS
• India needs Rs 13.52 lakh Rural Education: Samagra Shiksha, Shiksha Karmi Project, Avail Finance Mimo
cr annual investment to Lok Jambish Pariyojana, Digital initiatives India’s 1st neo-bank for Making Lives Better
create full employment; a next billion users With Digital Skilling &
study by The People's Health Care: National rural Health Mission, Financial Inclusion
Commission on Employment Ayushman Bharat, Janani Shishu Suraksha Karyakram Ezeepay
and Unemployment. Banking for the new
• Indian edtech startups have Fintech: Pradhan Mantri Jan Dhan Yojana (PMJDY), Bharat. Frontier Markets
received total investment of Pradhan Mantri Mudra Yojana Building Customer
Insuring the digital
US$ 3.94 billion across 155 Bharat Loyalty, At Scale
deals in FY22. Rural Employment: Pradhan Mantri Gram
Sadak Yojana (PMGSY), Pradhan Mantri Awaas Yojana Make your shop
• Healthcare industry in India
Gramin, Mission Antyodaya Gram Cover
Mini ATM GoCoop
is projected to reach $372
Bridging the Gap Between Global marketplace for
bn by 2022
Insurance & Rural India handlooms & crafts of
Rural India’s Gateway to India
Insurance
PROPOSED SOLUTIONS Solution #1 Solution # 2 and 3Solution # 4 and 5
To tap the rural healthcare market Serve the unserved by providing Micro-
Pain Point HEALTHCARE EDUCATION
through the Integration of Finance to parents and Start-ups for
Healthcare start-ups. better education.
About Company Social Impacts About Company Social Impacts
- • ConveGenius- Edtech Social - Positively impacted
• Maatrivita (Mobile Health Creating innovation using
digital Technologies Enterprise focused on educational 5.4L+ and Serve in 16
platform)- Aims to prevent - equity& Learning States
Increase in Tech literacy of
complication in Pregnant • Bridging learning & Skill gaps - Sustainable education by
ANMs among Women
Women utilizing adaptive tech &
• Through Screening, • Cograd- Building Next Gen Nudged learning
- Conducted 70000+ screening
Identification and tracking of schools in Unreached India - Collaborated with 25+ rural
High-risk pregnancy in rural India schools & Conducted 100+
- Catered 300+ rural doctors • Interactive and career oriented
Workshops.
• NIRAMAI- Detects breast providing treatment to 1000+ Learning approach - Skill based Education at
cancer at much earlier stages Covid Patients. lowest cost
• ThinkZone- Social Enterprise
• Automated, portable cancer improving learning in low-
screening tool - Bridging Gap between resource setting. - Supported 3,000+ educators and
Urban doctor and rural improved lives of 30,000+
• Medyseva- Focused on Patient • Utilizes offline-enabled mobile students, Notable gains in
Telemedicine in rural India. - 3500+ consultations application solutions for training language & arithmetic scores.
covering 23+ specialties and equipping youth to become - Made more kids school ready &
• Nearest, Affordable, healthcare
through 50+Medyseva educators. generated income for youth
destination for rural.
Partnership Kendra
Partnership
To expand the reach and Cover all major health
scope of Svatantra complications under Svatantra To partner with
Mediclaim we can partner Mediclaim by partnering with ConveGenius,
with Maatrivita, NIRAMAI, Cograd, Thinkzone
these start-ups.
Medyseva to better cater for providing better
the rural Health care
KPI education and Micro-
ecosystem. finance facilities.
s
Unique partnerships to solve
Strengthening the rural
healthcare problems of rural education ecosystem and
India better education facilities.
PROPOSED SOLUTIONS Solution #1 Solution # 2 and 3 Solution # 4 and 5
About Company Social Impacts
Social Impacts About Company
• EzeePay - Aims to make banking
easier & more convenient in rural • Frontier Markets- social - 65K Average Annual INR Net
- 5 lakhs+ retailers
areas of India. commerce platform with a mission Income earned per woman
- 5 crore+ customers served
• Offers 60+ services like domestic to create 'Saral Jeevan’. - 4000 Villages Covered
- 10000+ Pin codes served
money transfer, mobile recharge, • Investing in rural women - 19.5MN Products Sold
- 2 Lakh - Avg financial transactions
insurance, taxation, etc. per day entrepreneurs as our connector to
rural communities. - 1.2M+ micro job opportunities
• Avail Finance - Indians get instant created for the people in need
online loan app built and have - 100K+ happy customers • MIMO- provides last mile - $14M+ disbursed as wages to Gig
access to Personal loan anytime - 2000+ Smart Agents
delivery and task associate workers
anywhere - 4500+ villages
solutions across India. - 65K+ trainings done for Digital
Avail’s low interest loans, helps Skill development
them build a credit history through • GoCoop - Connects artisans,
timely, simple repayment. weaver co-operatives and clusters
-22,000+ Villages -
directly with consumers across the 30,222 livelihoods supported
• Gram Cover - Insurance broking - Covered 2 million+ Customers (as of Mar ‘21)
- Enrolled 1 Million+ world
firm focused on insurance product • - INR 27,557 average additional
- Claim Settled 4000+ Local Works to support sustainable
design and tech-enabled livelihoods for India’s 10 million income generated per income
distribution for rural India. Partners - 70,000+ products sold to
Partnership
weaver and artisan community
Partnership
• Well- suited for rural setup to
minimize the inefficiencies and
100,000+ consumers
transaction costs We can partner with
We can partner with
fintech start-ups like employment providing We can provide financial support to
EzeePay, Avail Finance , startups like Frontier the rural people selling their
Gram Cover. We can The cooperation between Markets, MIMO & products on platforms like GoCoop
utilize their microfinance industry and Fintech GoCoop to provide and Frontier Markets
KPI can be seen as a direction toward a credit facility for
technological innovation
to improve our s strategic development. education and hep
competitiveness and better lives in rural
better serve consumer India.
needs.
PROPOSED SOLUTIONS Solution #1 Solution # 2 and 3Solution # 4 and 5
Enhancing SMPLs Valuation through Partnering with Startups
HEALTHCARE STARTUPS EDUCATION STARTUPS FIN-TECH STARTUPS EMPLOYMENT STARTUPS
AWARENESS INTEREST CONSIDERATION PURCHASE
MAATRIVITA CONVEGENIUS EZEEPAY FRONTIER MARKETS
• Expand the scope of Svatantra Mediclaim to • Provide Micro-finance to Tech based • Be the Banking partner with Ezeepay to • SMPL can provide Micro-fin to Rural
BENEFITS increase market share in Health insurance solution and enter into to technology
driven education sector
provide Micro-fin support in Banking/
Insurance facilities.
Entrepreneurs to sell , grow and scale with
Frontier Markets Phygital Infrastructure.
• Provide insurance coverage for pregnancy
complication and increase its rural presence • Provide affordable education solution to • Leverage network of 5L+ agents to • Can connect with 21K+ rural women of FM
parents with the help of SMPL. penetrate further into rural India salesforce and solve unemployment issue in
rural India.
NIRAMAI COGRAD AVAIL FINANCE MIMO
• Provide Financing to build next • Leverage Avail Finance’s instant loan Provide Micro-Fin solutions to
• Leverage Niramai software based
generation Schools in Unreached app to further improve loan portfolio of
OF technology to strengthen the
Svatantra Mediclaim.
India. SMPL. by providing personal loan
strengthen inclusive growth by offering
job opportunities, digital training etc.
instantly.
• Expand its reach to Untapped 15000+ Facilitate smooth transition of customers Helps Gig workers to provide digital
• Integrate with Niramai to increase
students across India through from Avail’s instant personal loan to learning experience with Entrepreneurial
presence and provide micro finance
to solve breast cancer in rural India Cograd startup. SMPL’s wide loan offerings once the Mindsets.
CIBIL score of customer improves.
MEDYSEVA THINKZONE GRAM COVER GOCOOP
LEVERAGING KPIon
Medyseva: Leverage
Medysevas focusesson telemedicine Thinkzone: SMPL can help mentor Partner with gram cover to expand • Through Gocoop, SMPL can provide
WITH SMPL with art of Tech. youths in under resourced communities SMPLs insurance portfolio to Life, Motor, Financing to Local Artisans and Handloom
to become Micro- Entrepreneurs. Crop and Livestock’s. workers to produce hand made natural and
Help Medyseva bridge gap between sustainable products.
urban doctors and rural patients by Provide Financing to support learning for Leverage on its Assisted Tech Model for
providing micro-fin solution in rural children's aged 3-10 yrs. category. Customised products and POSP • Support sustainable Livelihood by
areas. partnership. empowering rural Industries.
Rural education is the yardstick of a nation’s
development. Rural education plays a pivotal The important socio-economic
role in resolving many of India’s key objective of enhancing “financial
problems – youth disillusionment, poverty, inclusion” in India has been
crime to name a few. governments’ focus
Rural education is an untapped market and Because of government support
because of government’s focus and support for this, it offers good opportunity
to it, it offers good opportunities to private to private players to serve this
players as well. untapped market.
Literacy rate in rural India it is only 73.5%.
PROPOSED SOLUTIONS Solution #1 Solution # 2 and 3 Solution # 4 and 5
India’s population was taken and various filters
regarding age, income, preference for E/PTB were
taken to arrive at opportunity size for year 2021.
Secondary Research
India is the world's oral cancer capital;
60% of the population is affected by dental
caries and 85% by periodontal disease
Ensure proper availability of refills Ensure proper availability of refills Only 12.4% of adults have ever got their
alongside toothbrushes to drive sales alongside toothbrushes to drive sales oral cavity examined by a dentist as per
and enable loyalty. and enable loyalty. National Oral Health Policy 2018
Urban Working Adult Population
Increase awareness about product Ensure proper availability of refills Poor oral health has been linked to
segment among parents and their alongside toothbrushes to drive sales cancer, cardiovascular disease,
children to initiate E/PTB adoption. and enable loyalty. Alzheimer’s and birth complications
1 in 5 adults suffer anxiety; 38% shun
Leveraging digital and precision Ensure proper availability of refills social activities and believe life is less
marketing to access target customers. alongside toothbrushes to drive sales enjoyable due to poor oral health
and enable loyalty.
Kids/Teens
Swiftly capture existing vacuum of Ensure proper availability of refills Early childhood tooth decay has
improved oral health for children’s alongside toothbrushes to drive sales been linked to developmental
category and enable loyalty. delays and possibly disability and
death.
The FDI estimates that 70% of Indian
Increasing awareness about the Ensure proper availability of refills children have untreated dental caries
cleaning effectiveness of E/PTBs, alongside toothbrushes to drive sales
particularly the sonic technology. and enable loyalty.
Opportunity Size by 2025
44.97 Cr 44.97 Cr 44.97 Cr 44.97 Cr
PTB Market PTB Market PTB Market PTB Market
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