Investor Presentation - Q1 FY23
Our Unique Value Proposition to Our Customers
Who are our customers
What do our customers need
What challenges do they face
Salaried and self-employed
individuals
75%+ Customers with annual
household income level less than
0.6 mn
First time home buyers
31% customers are new to credit
Home loan requirement primarily
in the 0.5-1.5 mn range
Access to formal housing
finance
(1)
Minimal disruption to daily work
routine
Inability to meet documentation
requirements of traditional lenders
Time consuming loan
sanction process
Dealing with middle men
NPS
80
For Q1FY23
Our Value Proposition
Access
Understanding
customer's
needs via well educated &
trained RMs
Right-size the loan through a
holistic evaluation of all
formal/informal sources of
income
Alternative documents (Life
insurance policies, property
deeds etc.) used for evaluation
Speed
48 Hr Turn Around Time for
Approval
Centralised & consistent
underwriting
Mobility solutions for our
customers, employees and
sales channels for quick and
efficient processes and service
Note: Data for the period Q1FY23 (1) -65% loans with Average ticket size between INR 0.5-1.5mn as of Q1FY23
Investor Presentation - Q1 FY23
10
10
Transparency
Mandatory counselling
sessions for customers on
loan and insurance terms
Digital access to loan
documents for the
customer
No prepayment charges
and easy prepayment
options
Service
Home visits coupled with
paperless process to ensure
minimal disruption to daily
customer routine
Dedicated Service Manager
for every customer
Customer app for easy
access to loan statements,
prepayments and raising
service requests
homefirst
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