Investor Presentaiton
2a
Distribution: In Sync with Emerging Business Models
Direct Digital Program (DDP) led distribution model - PFL Standalone
Direct Channel
In-house sourcing of
customers through own
branches & call center
Digital Channel
In-house sourcing of
customers through web, social
media & other digital platforms
Digital ecosystem
Multiple tie-ups, alliances &
partnership arrangements
Accelerated customer
acquisition...
...with enhanced X-sell
I upsell capabilities
...at a cost lower than
traditional origination
led model...
P
DDP Distribution
Higher Profitability
► Rise in proportion of Direct Digital Program (DDP) Mix
Focus on Customer Lifetime Value (CLTV)
►Technology first & risk calibrated approach
66% of disbursement came through DDP channel in Q3FY23
compared to 54% in Q2FY23, 39% in Q1FY23 & 24% in Q4FY22
X-sell upsell & pre-approved offers
Leads to lower customer acquisition cost & better asset quality
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