Investor Presentaiton
$
Recent Trends
Fintechs looking for direct license application or acquisitions
of other NBFCs to offer on-book credit along with existing
partnership models
Digital lenders are
increasingly vying
for NBFC license
Being a regulated entity to result in
enhanced trust and compliance systems
within the entity
Hybrid model of on-balance sheet
lending to comply with lending norms
and off-balance sheet portion for
decent returns on asset light balance
sheet for the incumbents
However, evolving regulations and
funding winter to add to challenges for
these players in raising adequate
resources for growing the on-balance
sheet book
Players like
Players like
Players like
Players like
MSME
lenders like
CREDABLE
slice
PhonePe
ES EarlySalary
+ftcash
Taster than cash
MONEYTAP
Razorpay
indifi
and
► LAZYPAY
freo
4Fin
Bharat Pe
Z zest
EMI FOR EVERYONE
Kredit Bee
OkCredit
Simple Paperless. Secure
LENDINGKAT
Think Cash, Think Lendingkart Group!
etc.
offer a mix of
both on and
off-balance
sheet loans
NiYo
etc.
approached RBI
for licenses in
the past but
turned down
PhonePe
etc.
acquired other
NBFCs to offer
on-book loans
already hold
NBFC licenses
and can tap on-
book lending
soon
etc.
received NBFC
license in FY23
38
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