SMC Investor Presentation
smc
Moneywise. Be wise.
Segment Revenue (INR Mn)
NBFC-Systemically Important (SI)
smc
finance
In the year 2008, SMC started providing financing services through its wholly owned subsidiary,
Moneywise Financial Services Pvt. Ltd. (SMC Finance).
SMC Finance offers a wide bouquet of loan products i.e. SME financing, loan against property,
receivable financing, medical equipment finance, etc. to meet the growing credit requirement.
The NBFC has a client base of 67,000+ customers across India and is recognized as Systemically
Important non-deposit accepting NBFC.
The NBFC, is currently focused on capital preservation, given its healthy capital adequacy, strong
liquidity position, diversified portfolio mix.
Recently, the NBFC has also received a corporate agent (Composite) License from IRDA.
772
988
878
821
705
FY18
FY19
FY20
FY21
9M-FY22
9M-FY22 Lending Portfolio
8%
10%
22%
3%
36%
3%
The NBFC is opening up in newer geographies like Rajasthan and Punjab while also having good
client base in metro cities like Mumbai & Delhi.
LAP
WCTL
Asset Onward
Finance Lending
CMF
Retail Consumer
DAS Durables
Total
AUM (INR Mn)
1,166
1,886
522
1,008
183
497
152
5,414
18%
Tenure (Months)
120
36
60
24
3
18
Avg. Ticket Size (INR Mn)
20.00
1.40
12.00
20.00
1.00
1
0.01
Return on Investment
13.5%
17.3%
13.0%
14.5%
18.0%
No. of Clients
58
1,415
40
50
199
16.0%
44,633
18.0%
15.5%
20,982 67,377
■SME-Loan Against Property (LAP)
Consumer Durable Loans
Onward Lending
Direct Assignment
*All numbers as of 9M-FY22
Investor Presentation
■SME-Working Capital Term Loan (WCTL)
Capial Market Funding (CMF)
SME-Asset Finance
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