Investor Presentation - Q3 FY22
What is their story?
Who are they?
Experience
COVID
Formal Salaried
Customer 1
Age: 44 / Location: KR Puram (suburbs of Bangalore)
ER
ON
DER
FUL
73%
Salaried
Informal Salaried
Customer 2
Age: 32 / Location: Sayan (suburbs of Surat)
27%
Self employed
Meet our customers
Self Employed
Customer 3
Age: 36/Location: Avadi (suburbs of Chennai)
-20/-
Chicksakoda
100 Gme
Chilus Pakoda
RL 103 Oms
25/ A
40/- CHI
chen Lolly Pep
Cop
40/-
Teacher with several years of experience and
monthly family income of ₹49,000
Salary credit in bank was 19,348 with additional
income through private tuitions in cash
Husband is a maintenance officer earning *13,000 p.m
Assessment based on total income (salary + tuition
income) unlike traditional financiers who will
consider only salary income
Home Loan sanctioned: 1.5mn at Rol of 13% and
EMI of 17,600
Resilient. Has not missed a single payment through
COVID and is regular with her payments.
Diamond polisher for 10+ years with monthly family
income of 29,000
o Cash salary of 20,000 p.m. His wife earned a
salary of 9,000 also in cash.
Found it challenging to approach a bank for a
housing loan due to cash income
Workplace verification to confirm income sources along
with discussions with owner / boss to assess expertise,
craftsmanship and job stability
Home Loan sanctioned: 0.8mn at Rol of 13.5%
and EMI of ₹9,700
Resilient. Has not missed a single payment through
COVID and is regular with his payments.
Owns an iron fabricating shop for 15 years with
monthly income of 40,000
o Faced difficulty with lengthy documentation process at
banks; taking time out of his workshop meant loss of a
day's business
Door step service and workplace verification to
confirm scale of business, reference checks with
neighboring shops and home verification
Home Loan sanctioned: 0.93mn at Rol of 14.5% and
EMI of 11,900 (loan sanction in 4 hours from
submission of documents)
He has been resilient through COVID wave1. However,
he's been impacted by COVID wave 2 and lagging
behind with 2 EMIS overdue.
Data for the period Q3FY22
Investor Presentation - Q3 FY22
09
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