U GRO Capital Global Fintech Fest 2021 Catalysing The .

2y ago
22 Views
3 Downloads
1.23 MB
20 Pages
Last View : 2m ago
Last Download : 2m ago
Upload by : Samir Mcswain
Transcription

U GRO Capital Global Fintech Fest 2021Catalysing the future of Credit Accessfor MSMEs

Executive Summary U GRO Capital limited is a listed (NSE, BSE), MSME lending fintech platform. U GRO Capital’s mission is ‘Solve the Unsolved’ – Solving the credit availability problemfor Small Business with its omnichannel distribution model which combines physical anddigital journey of the customer. The Company envisions to spearhead India’s transition of MSME lending market to thenew age of on-tap financing. It uses the emerging Data Tripod of GST, Banking andBureau coupled with its sectoral analysis to solve the problem of credit for smallbusinesses. U GRO aspires to serve one million small businesses with an asset book of 1% ofoutstanding MSME credit of India as its first milestone. Technology underpins every aspect of U GRO’s lending process, from API integrations,sectoral and sub-sectoral statistical scorecards, state-of-the-art AI/ML credit underwritingengine combining bank, bureau and GST statement analyzers, automated policyapprovals, and machine learning OCR technology. Company’s GRO Extreme platform empowers fintech and other institutional platformsto deepen their distribution reach through a plug and play API driven seamlessintegration with U GRO. The company has developed a full-fledged tech stack tocompletely automate the entire life cycle of a loan (right from origination to collection). The Company has raised 2500 crore of equity & debt capital from marquee PrivateEquity Investors, Family Offices, Banks and other Financial Institution over last 3 years.PE Funding 125 millionCumulative Disbursements 400 millionAUM 230 million2

The Indian MSME Lending MarketOn tap financing: similar to consumer financing is now within our reach

The Tripod of SME LendingGST Statement Analysis 400 data parameters Validate monthly sales, expenses, gross margins Insight into borrower's business network andconcentration Digitized sector identification State-wise break up providing information onoperating marketsGSTBank Statement AnalysisBureau Statement Analysis 100 different product variants basis bureaustandard definitions classified into ROI/tenorbuckets Information related to bank statementanalysis obtained from Perfios through anAPI integration customized to U GROrequirements Ability to validate business transactiontrends (sales, expenses, margins), chequebounce patterns, loan/EMI details, supplier& vendor identification and concentration Product level ROI, tenor assumptions tocompute obligations Product specific obligations computationencodedBankBureau Process replicated for all financial applicants forfootprint across both Commercial and Consumerbureaus4

India Stack 2.0 : The UPI MomentOCEN Framework disrupts lending modelsLenders old wayBased on balance sheetManual InterventionVanilla products of similar typesLenders new wayRisk AssessmentProcessProductLong periodic gaps (lend and forget)Based on cash flow100% DigitalVariety of products: expanded range of theticket sizes and tenuresContinuous (lend and monitor)Engagement5

The Tripod : Implemented fully for all of UGRO’s Lending ProductLakhs2530.5Secured20.5Documentation31 Year Banking and GSTRecords31 Year Banking and oan AmountYearsUGRO’s post covid lending approach2Unsecured6

A sector focused approach to lendingShortlisted 9 sectors after extensive study of their historical performance

Deep analysis of Macro and Micro Economic Factors An 18-month process involving extensive study of macro and micro economic parameters carried out inconjunction with market experts like CRISIL180 Sectors Demand supply gap & cyclicalityin demand Working Capital Cycle Impact of change in technologyDrilled to 20 Sectors Input risk Sector specific governme

Executive Summary 230 million AUM 400 million Cumulative Disbursements 125 million PE Funding U GRO Capital limited is a listed (NSE, BSE), MSME lending fintech platform. U GRO Capital’smission is ‘Solvethe Unsolved’–Solving the credit availability problem for Small Business with its o

Related Documents:

FinTech waves – Italian FinTech Ecosystem 2020 2 Research goals and methods 3 Executive summary 5 Update post COVID-19 8 1 Financial services trend 10 Global trends 11 Europe trends 13 Italian trends 16 2 The FinTech market 26 FinTech environment 27 Global trends 29 Europe trends 39 Italian trends 45 3 Italian FinTech ecosystem 53 4 The investor

Overall fintech investment Inclusive fintech investment Inclusive Fintech 50 applicants 4 inclusivefintech.com Fintech investment is booming. In 2018, a record USD 111.8 billion1 was invested in fintech, and the sector garnered extensive media coverage2 and interest.3 But despite fintech's growing profile—and even though it can help unlock trillions of dollars in value4 by reaching

FinTech and the Automotive Industry There are many synergies between FinTech and the automotive industry Highly regulated industries Focused on promoting consumer/user experience Data is critical to all aspects of the industry FinTech - Changing the Game Automotive industry now embracing FinTech, propelled by:

3 PwC Global FinTech Report FinTech has had a staggering effect on the market in the past year. Funding for FinTech projects i

Beijing: Global Fintech Industry Leader, Supported by Technical Innovation and Economy Capital of China, a political, cultural and international centre, the largest land and air transport hub, it is a world-famous ancient capital and modern cosmopolitan city About Beijing Criteria Score Global ranking Number of Fintech Companies with Total VC Investment Exceeding USD 50 Million 58 1 Financing .

Only a few paper examines the expansion of Fintech lending to small businesses.Gopal and Schnabl(2020) find that finance companies and Fintech lenders substitute banks in small business lending market after the Global Financial Crisis, while Balyuk et al.(2020) document the differential effects of banking lending on Fintech growth

Only a few paper examines the expansion of FinTech lending to small businesses.Gopal and Schnabl(2020) find that finance companies and FinTech lenders substitute banks in small business lending market after the Global Financial Crisis, whileBalyuk et al.(2020) document the differential effects of banking lending on FinTech

An introduction to Russian Language § ª« Information for teachers Over 150 million people speak Russian, making it the 8th most commonly spoken language in the world. In the UK, about 65,000 people speak Russian as one of their main languages. It is also spoken in many other countries, such as Uzbekistan, Belarus, Latvia,