Investor Presentaiton
Asset & Liability Strategy
Capital Efficiency and Risk Management are at the forefront with a mix of on and off-balance sheet AUM
Own Balance Sheet Lending
Small Ticket
• Short tenor, high yield products
•
MSME Business Loans and Gold Loans
Conservative Underwriting
Robust collection and recovery
platform
Business Correspondent
•
High fee generating business with
share of interest & fee
Ability to collaborate with large
lenders to build substantial off-
balance sheet AUM
Large sourcing platform that enables
successful build up of profitable
AUM
Lenders
Co-Lending with FLDG
•
.
•
Solid sourcing in new geographies
with very low acquisition cost
Risk moved to partner with funded
guarantee provided by them
Robust credit assessment guidelines
through Joint Credit underwriting
policy
High ROA with minimal asset quality
risk
Strong collection capabilities in the
essential sectors
Loans are backed by an FLDG (First
Loss Default Guarantee).
HDFC BANK
We understand your world
CITRUS GLOBAL
State Bank of India
THE BANKER TO EVERY INDIAN
JHAS
VINANCIAL SERVICESITY)
The Power of Distribution
Bank of India
Relationship beyond banking
Union Bank
of India
सेन्ट्रल बैंक ऑफ इंडिया
Central Bank of India
CSB Bank
Fly The Can
eduvAnz
RUPIFI
finwego
Making Education Accessible.
oan2grow
CREDENC
socially relevant commercial lending
◆NIRA
Investor Presentation | www.dfltd.in
Existing Partnerships
Forthcoming Partnerships - Going Live by end of Jun-21
LENDINGKAT
TCPL
↑ UPWARDS
Think Cash, Think Lendingkart Group!
TECHFINO CAPITAL PVT LTD
AROGYA
FINANCE
Medical Loans Made Easy
NABARD
NATIONAL BANK FOR
AGRICULTURE AND RURAL
DEVELOPMENT
CALYPSO
NORTHERN
ARC
60.6%
Liability on book (INR Mn) & Cost to Income
Ratio (%)
254
156
805
1,138
FY19
FY20
FY21
Q1-FY22
62.5%
76.7%
FY19
FY20
FY21
Q1-FY22
a.k.
A.K. CAPITAL SERVICES LTD.
BUILDING BONDS
SakshamGram
Navadhan
AJIVÍKA
FINANCE LIMITED
Capital
Capital Trust
Liability Type by Sanctions (INR Mn)
Borrowings from
Banks & Fls
938
O
NCD
200
19
61.5%View entire presentation