Investor Presentaiton
Acknowledging What Went Wrong: CDL - Legacy Differentiators
Timeline
CDL
Sourced Post FY20
Legacy
Sourced Before FY20
Capital Trust
Enhancement in CDL Product
About
Collection
Tenure
Active flagship product of the company
that is automated credit engine backed
Digital NACH collection as 1st mode of
repayment
12 24 months
Predominantly joint-liability, cash
collection product with comparatively
larger ticket sizes and longer tenure
100% Cash collection
-
36 60 months
Ticket Size
30,000 75,000
1,00,000 5,00,000
Rate of Interest
32%+
Process
Highly tech enabled underwriting,
collection and monitoring process
24-28%
Traditional collection and monitoring
process
With ~50% digital collection in CDL,
lower operational cost
Reduced risk owing to shorter time
period. Also, higher client renewal % as
client comes back for next loan
Reduced risk owing to smaller exposure
Greater NIMs and higher ability to
absorb external factors
Use of data and BI to remove
subjectivity and possibility of deviation
in processes
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