#110:00 E paisabazaar CIBIL 880 CARDS & LOANS 900 PaisonSe Badhkar Oct 20 Check the credit factors strengthening your Credit Score Pa Check Now 10:00 policy bazaar Wassup How have you been? com Renew your car insurance Extend your cover & benefits Be claim ready For stress-free settlement B Credit Cards ASSURED Personal Loan Micro Loan (Under 50K) Business Loan Select a Product - 500 CASHBACK Covers Covid Covers Covid Instant Policy Instant Policy Tnot e Transfer Home Loan Transfer Existing Loan Home Loan Loan against Property Starting @6.75% Starting 6.75% INVESTMENT OPTIONS તે) Term Life Insurance Covers Could 이 Health Insurance Car Insurance not Investment Plans Guaranteed Returns Savings Account Fixed Deposite Free Demant Account INSURANCE PRODUCTS 08 Home Offers Credit Family Health Loss of Job Insurance Insurance B Two Wheeler Insurance Tax Saving Investment Child Savings Plans Travel Insurance See More Simplifying insurance- Learn more about how insurance works for you Why you need a 1 Crore health plan... A bit of extra cover can make all the difference + A Explore Policies Claims Profile Help pb Fintech policybazaar.com paisabazaar com Update Presentation for Quarter ended December 2021#2Insurance Premium is 45x in 8 Years Credit Disbursal is 46x in 7 Years Insurance Premium 151 (Cr) Over 8,100 Cr Current ARR* Disbursals (Cr) 45x in 8 years 5.3x Growth in 4 years 1,286 6,800 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22E *ARR for Jan22 and FY22E: Unaudited management estimates for PB Fintech policybazaar.com paisabazaar com Over 8,400 Cr Current ARR* 46x in 7 years 6,550 6,646 COVID impact 143 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22E 2 TM#3Key Performance Indicators policybazaar.com paisabazaar TM com Strong Insurance Premium & Credit Disbursal Growth; Continuous Improvement in Advisor Productivity Cr^ Insurance Premium ARR Q3 FY21 Q3 FY22 YOY 9M FY21 9M FY22 YOY Jan-22 Jan-22 1,067 1,796 68% 3,478 4,812 38% 676 8,108 New insurance premium per advisor per month* (Lacs) 6.5 9.6 48% 6.3 8.7 38% 9.2 9.2 Lending Disbursal 994 1,926 94% 1,642 4,416 169% 705 8,460 YoY New insurance premium growth (excluding POSP)*^ 9M FY22 Total insurance - PB 68% 36% Life insurance - PB 73% 42% 2-4x compared to Industry Growth Life insurance - Industry benchmark# 21% 22% Health insurance - PB 50% 40% Health insurance - Industry benchmark# 13% 16% #Industry benchmark data: Retail Health insurance growth as reported by GI Council, Life insurance: Individual Non-Single First Year Premium *YoY New insurance premium growth - India biz (excluding POSP), from the website Unaudited management accounts 3#4Financials Q3 - policy bazaar.com paisabazaar 73% Revenue Growth, Maintaining Contribution, Investing in Initiatives & Brand Crores Revenue Q3 FY21 Q3 FY22 Total Existing New initiatives Total Existing New initiatives 212 209 3 367 317 50 Contribution (non-GAAP)# 86 87 (0) 85 126 (41) Contribution % 41% 41% -11% 23% 40% -82% Adjusted EBITDA (non-GAAP) Additional Deferred Revenue (non-GAAP) ^ # - Contribution: Revenue minus Direct Costs (Employee direct cost + Acquisition Marketing) 2 15 (92) 38 ^ - Deferred Revenue: Transactions closed but Revenue to be accrued over next 12 months, ^ - Management estimates * - For insurance biz 4 ^ - Management estimates * - For insurance biz com TM#5Financials - 9M policybazaar.com paisabazaar com 44% Revenue Growth, Maintaining Contribution, Investing in Initiatives & Brand * Crores Revenue 9M FY21 9M FY22 Total Existing New initiatives Total Existing New initiatives 616 608 8 885 814 71 Contribution (non-GAAP)# 221 220 0 234 291 (58) Contribution % 36% 36% 3% 26% 36% -82% Adjusted EBITDA (non-GAAP) Additional Deferred Revenue (non-GAAP) ^ (65) 34 # Contribution: Revenue minus Direct Costs (Employee direct cost + Acquisition Marketing) ^ - Deferred Revenue: Transactions closed but Revenue to be accrued over next 12 months, Management estimates for insurance biz (203) 75 5 LO TM#6Adjusted EBITDA to EBITDA walk Upfronted ESOP Charges as per Ind-AS; Help Retain Talent policybazaar.com paisabazaar Cr Q3 FY21 Q3 FY22 9M FY21 9M FY22 Adjusted EBITDA (non-GAAP) 2 (92) (65) (203) ESOP 24 226 26 432 IPO Cost 0 0 0 13 EBITDA (22) (318) (91) (647) ESOPs already accounted for in Prospectus for fully diluted calculations ESOP charges accounting as per Ind-AS for ESOP 2021 scheme Year 145.67% •Year 2-25.67% Year 3 15.67% - • Year 4 -9% • Year 5 - 4% com TM#7Renewal revenue at an annualized run rate of 210 Cr policybazaar.com paisabazaar com TM Current Renewal Revenue = ₹ 210Cr^ Renewals = 90%+ margin Renewal Revenue FY18 FY19 FY20 FY21 FY22E IPolicybazaar Renewal Rev Paisabazaar Renewal Rev ^: Based on ARR of Q3, Unaudited management accounts 7#8Insurance & Credit Both Continue to Scale Improving Efficiency & Customer Experience policybazaar.com paisabazaar ➤ Consistent focus on consumer education - to get inbound consumers ➤ Scale is key for a marketplace: we are at an annual run rate* of insurance premium of over * 8,100 Cr growing at 50%+ YoY; lending / disbursals are at an annual run rate * of over ₹8,400 Cr ➤ Quality of business in terms of Claims ratios and Retention rates makes our business profitable for our partners ➤ Increasing efficiency of operations. ➤ Operational efficiency in the existing business has more than doubled in 3 years. ➤ New insurance premium per sales employee# has increased to 1.1 Cr from 46 lacs in 2019 ➤ c.210 Cr^ ARR of renewal revenue which has 90% Margins - this is a guarantor of profitability ➤ Focus on Consumer Delight ➤ Consumer Service ➤ Claims Assistance com TM Λ * - ARR of Jan 2022 unaudited management accounts #Unaudited management accounts ^ - ARR of Q3 FY22 unaudited renewal revenue from management accounts 8#9policybazaar.com paisabazaar Increasing Depth and Breath Across Insurance & Credit Value Chain Existing businesses • Policybazaar ● Paisabazaar New Segments / Markets • PB Partners - Tech platform for Independent agents. · Corporate & SME Insurance • UAE Data & Convenience • Al initiatives for enhanced consumer experience • • Docprime - India's first NDHM integrated digital health locker Credit Score Platform • NBFC - Account Aggregator • NBFC - Neo Lending Visit Health - Gamified Wellness platform for retail and corporate consumers 9 TM com#10Two leading consumer destinations policy bazaar.com paisabazaar com TM Policybazaar 56.4 mn Registered Consumers (1) 11.1 mn Transacting Consumers (2) 24.6 mn Policies Sold (3) Consumers who have purchased at c. 20% least one insurance policy through Policybazaar c. 2.2 Average policies per transacting consumer Paisabazaar 25.5 mn Consumers accessed their Credit Scores (4) 2.5 mn Transacting Consumers (5) 3.6 mn c. 1.4 Transactions (6) Consumers who have made at least one transaction on Paisabazaar Average transactions per transacting consumer 1. Consumers registered on Policy bazaar platform as of December 31, 2021 2. Cumulative number of unique Consumers who bought at least one product on Policybazaar since its inception till December 31, 2021 3. Cumulative number of new life and non-life insurance policies sold and non-life insurance renewals on Policy bazaar since its inception till December 31, 2021 4. Consumers who accessed their credit scores through Paisabazaar 5. Cumulative number of unique Consumers who made at least one transaction on Paisabazaar since its inception till December 31, 2021 6. Cumulative number of transactions made on Paisabazaar since its inception till December 31, 2021 10#11Our philosophy on people & team Cultural alignment & Operational freedom icy bazaar pb pb paisabazaar NSE NSE NSF bazaar b policybazaar.com paisabazaar NSE pb Fintech PB FINTECH LIMITED PB FINTECH LIMITED bazaar PB FINTECH LIMITED bazaar NSE SPA NSE policy bazaar Tenure aar LISTING CEREMONY policy bazaar paisabazaar com a paisabazaar ONSE policy bazaar @ PROSTEGELIMIT paisabazaar NSE pb policy bazaar a HISTIC NSE bazaar pb pai licybazaa paisa #Employees 615 NTCITED paisabazaar ONSE polkybazaar INTECH LAY NSE SE pb policybazaare paisabazaare pb policy p O NSE NS policy bazaar yber ar paisab ET 5+ Years 7+ Years 237 10+ Years 53 11 com TM#12policy bazaar com 12#13policy bazaar com R INDIA'S LARGEST MARKETPLACE FOR INSURANCE 90% Market share (online aggregators) FF 24.6mn Insurance Policies sold (uptil Q3 FY21) * 4,755Cr Insurance premium (FY21) * 9.6 Lacs Insurance premium per advisor per month (Q3 FY22) 55% Unassisted transactions Motor - Four wheeler * 1,796Cr Insurance premium (Q3 FY22) 99% Unassisted transactions Motor - Two wheeler CI 68% Y-o-Y growth 48 Insurance Partners 13#14policybazaar.com paisabazaar Policybazaar is solving the structural problems facing the insurance landscape in India and benefiting all stakeholders in the ecosystem Problems facing insurance industry Dependence on high cost physical distribution > policybazaar com Benefits to the insurer Benefits to the consumer Go-to digital insurance platform in India Low CAC Consumer friendly user experience 5/0 Information asymmetry Blanket portfolio underwriting Better consumer data/ product transparency High quality consumer disclosures Superior product selection Data-based personalized underwriting Claims cost $ optimization One size fits all products > Tailored exclusive products Human intensive operations Better prices for low risk consumers Access to untapped $ High coverage, better consumers and cheaper products Tech enablement & process innovation Operating cost efficiencies Faster service (claims period optimization from 3 days to 3 hours) 14 com TM#15India continues to have one of the widest protection gaps; Health & Term Insurance is needed 65% of Healthcare spend is out of pocket % Out of pocket spends (Total healthcare spends - Insurance coverage) 94% of income is not protected Mortality protection gap (Protection required - Sum Insured) 37% 66% 62% 76% 87% 94% 65% Out of pocket expenditure China UK Brazil Thailand USA 36% 15% 44% 12% 11% Australia Japan Singapore Hong. Thailand India I Sum Assured Kong Protection Gap Note: 1. Mortality protection gap figures are as of 2015; 2. Out of pocket expense % figures are as of 2016 (Source - Swiss Re Report on Mortality Protection Gap) I I 15#16Policybazaar business model Consumer education through mass media & PR Inbound consumers ↓ Direct traffic Better conversion (Pull vs Push) ↓ Increasingly efficient operations Direct declaration (vs intermediated) ↓ Sharp risk assessment, lower claims ratio Increasing biz scale We can invest in better consumer service & claims assistance Early fraud detection & driving first notification of loss policybazaar.com paisabazaar consumer Pull (vs Push) ↓ Lower Lapse rates, Higher Persistency Better quality biz @ scale Insurers can focus on new Product & process innovation 16 com TM#17policybazaar.com paisabazaar com Leveraging Data and Technology: Life Insurance Preventing Early-Stage Fraud Payment & Booking Check ➤ Proprietary PB Payment Graph ➤ Device Fingerprinting Person and Document Authentication Other Risk checks Document verification at source with submitted KYC documents Pre Issuance Video Call (PIVC) to check liveliness Face Matching Algorithm to compare documents with PIVC Voice Matching Algorithm compares PIVC to sales call data Affluence check based on Address ➤ Phone number vintage ➤Location verification Disclosure based risk heuristics ➤ Case File sent to Insurer with Risk Parameters Case Login ➤ Insurers can set their thresholds to trigger further investigation Face Matching Algorithms Voice Matching Algorithms 17 TM#18Early Fraud Detection Using Face & Voice Biometrics policybazaar.com paisabazaar Checking for impersonation by comparing the PIVC video (pre-issuance verification call) to previous calls ADDRESS PROOF AGE PROOF INCOME PROOF PHOTOGRAPH PIVC VIDEO VIDEO VERIFICATION REPORT 369945688 Lakk Housewife 1991-03-29 2/2021, 5:14:58 PM IST Audio Verification NA Score 0 Status RETRY Sub status Updated time 30 Dec 21, 8:00 PM Face Verification Score Status FAIL 0 Sub status NO_FACE FOU ND_IN_VIDEO Updated time 30 Dec 21, 8:00 PM Audio Matched Not Matched Face Matched Not Matched PIVC Accept & Submit Pre-Issuance Verification Call Biometric Verification PIVC Reactivate Face & Voice Match Report Application No 369945688 policy bazaar com Report Date Face Match Score PB Face Match Remarks Voice Match Score PB Voice Match Remarks 29/12/2021 07:55 PM 55 Matched 0 Not Matched Face match & voice match remarks are based on the automatic system verification & manual QC verification done by Policybazaar 369945688 Lakk Housewife 1991-03-29 12/29/2021, 5:14:59 PM IST PIVC Video Screenshot Original KYC Screenshot VIO: 9100 0320 0450 4W मेरा आधार, मेरी पहचान Biometric Match Report for Insurer पता: S/O कॉल चंडीग Adi Mai 18 com TM#19policybazaar.com paisabazaar Leveraging Data and Technology: Motor Insurance App-based Video Inspection for Policy Issuance and Claim Settlement Self-inspection video process for motor insurance Converts manual process involving external surveyor into a simple self service flow Makes consumer experience of policy issuance (break in) and claims reporting hassle free Insurance companies benefit as they can issue policies faster, avoid fraud and settle claims smoothly Computer Vision technology can auto adjudicate using Al as per insurance company guidelines, refer tougher cases to manual underwriters com TM Before starting, locate the metallic chassis & engine number of your car. Find my chassis number → Stand at least 5ft from your car to get the best view while recording the video CHASSIS NO. Don't use the camera zoom. Instead walk towards and take close up shots of any dents or scratches *Policybazaar is acting only as a facilitator and issuance of insurance coverage/claims settlement based on the video shared, shall be at the sole discretion of the Insurer Demo video Start car inspection We've almost set 1 Open the car's front bonnet 2 Close (roll-up) all the windows. Sit on the driver's seat. lick Done after recording 360 degree view 1 3 4 हिन्दी Start Recording record the front Windshield glass inner Sidel 02:2 2 Thank you! Files Uploaded Successfully. (Our customer ca executive will contact you soon) O ак policybazaar 00:5 4 19 Also includes a voice over using Text-to-speech in vernacular languages#20Leveraging Data and Technology: Automated Speech Recognition (ASR) Health Insurance Renewal Intent & Consumer Word Cloud Generation М Chat Email ASR | | Intent, context and Sentiment (Speech-to-Text) Recorded calls Proprietary Model In Hinglish Deep Learning - NLP Layer Determines Renewal Intent post each renewal call or visit Flags potential customer concerns (price, claims issues, insurer concerns) so that they can be addressed on next call KeywordCloud SHOWING PIN PHRASE Automated Keywords date of birth death hdfc Ho married pnb main dekhta hoon star installment submit drive thousand concern life insurance max life Cover policybazaar batata hoon lic problem nahi allianz crore wife bajaj alliang doubt mail id coverage addon suggest maturity port treatment service refund question rent charge check up confirm rider theda busy term family health insurance critical benefit double zero check up query sbi Quotation whatsapp mother brother suicide tata aadhaar health insurance bank discount education eighty years husband government saving critical illness bajaj term plan father lakh life cover annual income term life proof cigarette main check kar hospital cost baad mein certain condition claim dikkat nahi investment hate life disability pin deposit bahut zyada bazaar icici off email id 20 20#21paisabazaar com 21#22paisabazaar.com INDIA'S LARGEST DIGITAL MARKETPLACE FOR CONSUMER CREDIT -2.7 Cr monthly visits ~15 Lacs monthly enquiries (credit products) Customers from 1,000+ Cities visit Paisabazaar ~10 Lacs transactions ARR ~8,460 Cr • loan disbursals ARR¹ Data for Dec-21 unless mentioned otherwise 1 ARR Annualized run rate for Jan-22 IIIII, チ ~60 Partners across Banks, NBFCs & Fintechs -2.6 Cr Customers have checked their Free Credit Score from the platform* 53.7% Market Share (based on disbursals^) Acquiring a customer every 3.9 Seconds *Data for Jan-22 Λ Frost & Sullivan analysis for FY21 CREDIT SCORE 22#23India continues to have one of the lowest credit penetration Credit Market expected to grow strongly Under penetration in India's Consumer Lending Outstanding loan balance as a % of nominal GDP (CY2020) Fast-growing unsecured consumer credit market Loan disbursals' (Lac Crs) 18.2% India Source: Frost & Sullivan Analysis 79.2% 55.6% S US China 5.1 FY21 14% CAGR2 8.2 FY25P 16.6 FY30P 1 Unsecured Loan Disbursals for FY21 as per CRIF Highmark 'How India lends' report 2 CAGR as per management estimates 23#24Paisabazaar.com: Platform of Choice for India's Credit Needs policybazaar.com paisabazaar com TM Largest independent marketplace Depth and breadth of offerings End to end Intelligence to help consumers Assistance model Highest brand recall* across banks, competition 63 partnerships Biggest bank to newest fintech Industry 1st "Chance of Approval" model to choose best offer Assistance from Enquiry to Disbursal No Differential incentive for partners Choice of offers from across the ecosystem Pre-approved programs for instant access to credit End-to-End Digital processes * For Loans & Credit Score. As per Brand Track Study conducted by White canvas, May/Jun 2021 24 24#25Economies of segmentation policybazaar.com paisabazaar Products that cater to consumers from super prime going all the way to Credit challenged Super Prime Prime Near Prime 2015 2016 2017 2014 2018 2019 2020 2021 2022 Bureau Pre-approved Programs Bank PA Programs Pre-Approved programs Personal loan, Cards Marketplace with integrations HomeLoan Marketplace Co-creation: STPL product STPL Partners Co-creation: Secured Card Collection Credit Advisory Sub Prime Self Employed Prime Self Employed Sub Prime New to Credit Business Loan Marketplace big Banks as partners New Products for prime Fintech Lenders for Sub-Prime Co-creation: Secured card STPL partners with NTC focus 25 com TM#26APR-16 JUL-16 0.03 0.3 OCT-16 JAN-17 APR-17 JUL-17 OCT-17 JAN-18 APR-18 JUL-18 OCT-18 JAN-19 APR-19 JUL-19 2.6 Cr customers have become credit aware Customer Portfolio (Cr) 0.8 OCT-19 JAN-20 APR-20 JUL-20 OCT-20 We are driving credit score awareness in the country Deep analytics driving product innovation & monetization ~8.7x in 4 years JAN-21 APR-21 JUL-21 OCT-21 1.7 JAN-22 2.1 2.6 Credit segmentation Driving deep Segmentation to innovate, fill need gap Strong repeat customer behaviour: 71% of the disbursals from existing customers *Internal Management analysis done for the period-Jan-19 to Nov-21. 100 is taken as the portfolio average revenue per customer. Indexed revenue is the average revenue for each segment indexed to the port folio average. 26 Engagement segmentation Never Revisited Sleepers At-risk Core Active Engaged New to credit 10 30 Sub- prime 100 (indexed rev per customer*) 20 20 90 20 Near- 160 prime Prime 340 Super- prime 60 80 220 460#27Neo-lending Building a strong product suite to cover segment gaps Brand Building Increased brand salience 100% Ownership E2E ownership = Superlative experience Annuity Rev stream Leading to higher NPV across lifetime 3 Products live - across credit segments Improved insight Creates a virtuous cycle of intelligence Consumer Acquisition - Gaining Traction paisabazaar Step UP Smart Banking by SBM bank SELECT RuPay CREDIT StepUp Secured Credit card ➤ NTC and Sub-prime segment Credit Card backed by a FD Paisa on Demand Prime Segment Step Up Card launch paisaon demand DRBL BANK ➤ Credit Card cum Line Product Credit Line launch Credit Line 4X 5243 7301 2345 6789 ➤ Super Prime Segment VALID THRU 01/21 Personal Loan, pay-as-you-use ANSHUL SHARMA Paisa on Demand launch 15X 12X 9X 19X Aug-21 Sep-21 Oct-21 Nov-21 Dec-21 Jan-22 Focus to increase share of Neo-lending products 27#28Covid has accelerated digitization in lending Digital platforms likely to become even more natural choice for consumers 1.5x conversion rates & instant disbursal leading to better customer experience Application Completed KYC Underwriting Repayment & verification Contracting Central KYC Registry • Aadhaar OTP/Biometric eKYC Pre-approved basis Bank relationship . Credit Report Info • Aadhaar XML OKYC • Using Bank Statement Video KYC • AA Ecosystem based NACH eMandate • UPI eMandate Verification via alt. sources Lat-Long Bureau Data -555 Loan Disbursed eAgreement using Aadhaar eSign OTP based • Capture Timestamp /IP/Lat Long Initiatives like Account Aggregator, CKYC will further strengthen digitization 28#29Our Investments & New Initiatives 29#30Our Investment Philosophy policybazaar.com paisabazaar com TM Seed stage or series A – Prefer "BUILD” over “BUY” ➤ Strengthen the existing businesses (steer clear of unrelated new business lines) ➤ Scale ➤ Higher Conversion rates. ➤ Enhanced Consumer Engagement Product Innovation ➤ Customer service convenience ➤ Claims support Betting on team or capability rather than business volume ➤ Highly aligned & well-incentivized team ➤ Cultural fit is a must 30 30#31PB Partners Market leader in 6 months via build (v/s buy) ➤ A platform for independent sellers of Insurance and other financial products Enable seller to sell across Products and Suppliers via an app ➤ Tech based platform for Research, Issuance, and Customer Management Market leader with ₹40 Cr investment within 6 months ➤ Started July 2021 ➤ 100+ Cr monthly premium in Jan 2022 ➤ Largest player within 6 months from start Total burn under 40 Cr Buy vs Build Buy options were $200 - 700mn ➤ We instead built it in under $7mn L pbpartners EK RISHTA BHAROSE KA 31 com M#32TM policybazaar.com paisabazaar com PB Corporate: Delivering A New Age Corporate/SME Insurance Experience India's Fastest Growing Corporate Insurance Business Trusted by India's best (with a 92% retention on large clients) Cr 9M FY22 Growth % Premium (Cr) DELHIVERY 276 308% AXIS BANK CARS 24 care HEALTH INSURANCE BYJU'S The Learning App Employees Insured (mn) 1.1 530% Comprehensive product offering online & offline - Health & Commercial Lines Sales offices launched in NCR, Bengaluru, Mumbai & Pune Unassisted online platform for all products (Asset, Liability, Employee Benefits) Sales thought leadership brought in from leading industry players Integrations complete with all key TPAs & insurers - Fully Digital operations S SPINNY lenskart yatra Business Services orange SWIGGY 1 Colliers NA img navi niva Health Insurance Bupa DELHI DUTY FREE NO Digitizing Corporate Insurance - From considering a purchase to making a claim Payment d Mandatory prop 5515 nivol por ката V B # 1250/ 326 789 Unlimited Consultations Available anytime, anywhere Update your Information Add and Edit dependents in App Track claim status Get updates on your requested claim +Conation for Dr. Priyanka VISIT Drsne Reimbursement Claim Su At Singh TUDOEST Lowest Cost, Flexible, Online Payment (MSME - Health, Life, Fire, Cyber, Crime) Real Time tracking & Claim Ratios for Admin (Manage members, claims & benefits digitally) App, 24/7 concierge & WhatsApp support for employees (Insta claims, health ID, telehealth, managed wellness) 32#33Visit Health: Gamified Digital Health Services Provider policybazaar.com paisabazaar com TM 9M FY22 Revenue Growth PBT Margin 100% 7.5% VISIT Today's Goal Progress 99 ΨΡ (+ Health & Wellness Services for Corporates (Online/Offline Doctor Consultations, 1 Annual Health Checkup, Discounts on Labs & Pharmacy) 2 Digital OPD Membership Plans for Consumers 927 of 10000 Steps Receive updates on 6hrs 51mins of 2400 Cals WhatsApp of 7 hrs Get appointment details, receipts, reminders and important updates on WhatsApp Employee Assistance Program 3 Digital Health Services for Health/Life Insurers Marquee Customers ADITYA BIRLA FABER Suez AIR MATTERS TATA POWER HINDALCO Johnson-Johmon GHDFC Gartner A ASSET MANAGEMENT COMPANY LIMITED AXIS BANK Yoga Meditation Mood Journal Talk to Emotional Counselor Talk to Legal See All Features Counselor JCB Set health goals And track your everyday progress Get Started 51 33#34policybazaar.com paisabazaar Docprime: Digital Health locker integrated with NDHM (B2B service business only) A single mobile window to access and store customer and family heath data com TM Health Locker represents and becomes customer's custodian for his/her health data Complete consent framework Diagnostic Labs Bx pharmacy + Hospitals Clinics Insurers MO national health authority NDHM Genomic Analysis (&) Telemedicine All data that are registered anywhere on customer ID by any node. on NDHM network will be shared to Locker Health Doc Access Permission Management [と] 信州 Health Repository/Platform Health Locker is a new license under the developing NDHM ecosystem . Health ID Management • Storage & Analytics customer All connected health data of customer will be accessed by and stored in the repository, on behalf of the customer 34#35MyLoanCare Ventures policybazaar.com paisabazaar ➤ MyLoanCare Ventures received NBFC licence from RBI in Sep 2021 ➤ PB has acquired 24.93% stake in Dec 2021 ➤ 100% digitally powered lending platform "MONEYWIDE" using analytics-based tech stack ➤ Why is it relevant to us? ➤ It will assist Paisabazaar to fill segment and convenience gaps - increasing conversion Will assist consumers on financing solutions money WIDE Origination Apply, KYC, Bureau Offer Generation Fraud Check Disbursement Collections Analytics Web, app, partner API's Web, app, CRM, e-KYC, CKYC, e-PAN, BSA, e-EPFO, eTDS, penny drop, e-bureau Rule bank, income and obligation estimator; intelligent BRE, CRE O-KYC, V-KYC, geo-tagging, Fraud Check, CMD, BSA, multi bureau e-agreement, e-stamp, e-sign, e-NACH, PG e-NACH, PG, communicat ion triggers, EWS, outsourced field agency Credit analytics 3-5 minutes 5 min 35 com TM#36UAE No other international plans for now Started operations in FY 19 policybazaar.com paisabazaar policybazaar Continued focus on protection against death, disease & disability ae com TM No 1 in website traffic Close No 2 on the premium originated Focus on Health and Life insurance Other Financial products also on the same platform Loans (Personal, Car, Home) & Credit cards 56% .5% 38% Insurance Premium by Segment Health ■Term ■Motor ■ Others Collaboration with UAE government CA Setting up a tech hub in Abu Dhabi 36#37END For any queries please email: [email protected] Registered Office PB Fintech Limited Plot 119, Sector 44 Gurugram- 122001 Haryana 37