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CORPORATE

PRESENTATION

September, 2018

2

New Generation Microfinance Company Led by Experienced Management with

Strong Capital Backing

Vaya is an NBFC-MFI that offers financial services & loans to aspiring

women entrepreneurs in rural areas to support their businesses & power their

aspirations.

Vaya was established in 2014 by a team of seasoned MFI professionals.

The core management team has a deep understanding of rural poverty.

We currently operate in 7 states with a growing strong base of 5,30,000+

customers & 1,488 employees.

Mission✓ Cater to 5 million customers with convenient

group loans, individual loans, insurance & other relevant products & services.

✓ To be the preferred choice for customers through relationship built on mutual trust & respect.

✓ Leverage innovative & scalable digital processes and technology for quick and efficient delivery.

✓ To be a ‘great place to work’ for a committed and responsible team.

VisionTo be the best financial services provider in India

for ‘aspiring’ individuals and small businesses.

Dr. Vikram Akula, Chairperson (Non-exe.) & Co-promoter

Jagadish Ramadugu,Co-founder, MD & CEO

Dr. Bikshamaiah Gujja,Director

Gautam Ivatury,Director

Sandeep Parekh, Independent Director

Farzana Haque, Independent Director

* Total portfolio amount includes IDBI Bank BC portfolio

44 150

95 114 143

86 266

425 444

11

56 62 92

318

Aug'14 Mar'15 Aug'15 Mar'16 Nov'16 Mar'17 Sep'17 Mar'18 Sep'18

Yes Bank RBL Bank Reliance Capital Own book

Vayastarted as a

BC

= Disbursement start

NBFC-MFI license in May’17

968

689

377

237

Total* Vaya has the best technology

platform in the Microfinance

Industry & leveraging it to –

▪ increase customer base,

▪ reduce risk &

▪ improve productivity

Vaya has many experienced

& proven microfinance

professionals with >60 mid &

senior managers having 10+

years in sector alone

We have a High Growth

mindset in a High Growth

industry

Half-a-Million Customers, Rural Distribution Spread Across 7 States & 78

Districts with Diversified Portfolio

Amount in ₹ Crs.

Journey so far & Portfolio growth…

Fastest Growing MFI @150% CAGR. Now aggressively building Own book.3

4

Manual & QR CB integration with Highmark & Equifax

Capability to deliver a loan into a Customer’s Bank account in 7 mins.

Vaya’s Technology Architecture is Best in Microfinance Industry

Pioneering Digital Finance: Use of Digital Technology for Client Acquisition, Credit Evaluation, Business Intelligence, People Management & e-Learning in a data rich environment

KYC using QR code

Online Credit Bureau Check

Network Offline operability for loan sourcing

100% Cashless Disbursements

Loan Utilization Check with Geo

Tagging

Visual questions for quick data

capture

Vernacular SMS notifications

IVRS calls for repayment reminders

Fastest Growing MFI with 168% CAGR Customer Growth &

Significant Network Expansion

Significant ramp-up in operating metrics aided by strong process, technology & brand image

Branches

29

76

141

223 235

FY15 FY16 FY17 FY18 H1-FY19

Active Clients (‘000)

21

128

256

413

539


Employees & Sangamitras (Field Officer)

173355

774

1,1921,070

257

542

1,030

1,611 1,488


Sangamitra

Employees

Districts

7

37

51

72 78


5

Poised for High Growth & High Profitability Supported by Strong Networth of ₹161 Crs.

Gross Revenue (₹ Crs.)

2

15

35

52

62

FY15 FY16 FY17 FY18 H1-FY19-6.9

-4.7

5.6 3.7

10.0


PAT (₹ Crs.) EPS (₹)

-6.5

-2.2

2.4 1.2

2.8


Networth & Book Value^

14 9 18

54

161

6.7

4.4

7.4 8.9

11.6

-

2.0

4.0

6.0

8.0

10.0

12.0

14.0


-

20

40

60

80

100

120

140

160

180

Networth (₹ Crs.)

Book Value** (₹)

> -20%

-2.8%

1.0% 0.7%

2.1%


Return on Assets*

>-90%-40.5%

27.1%

13.0%18.7%


Return on Equity*

* The profits considered for RoA & RoE calculation are tax neutralised (on PBT) except for H1-FY19 & RoA includes Managed book as well.^ Book value excludes CCPS capital. 6

7

Continuous Improvement in Income &

Cost to Income Ratio

>-500%

-136%75.8% 80.2%

54.4%


Cost to Income

1.6 2.7 3.5 5.1

6.7 8.3 9.1 8.3 8.9 9.9

12.3

18.2

27.5

34.7

1.4 2.0 2.1 2.3 2.6 3.5 3.9 4.4 4.0 4.6 5.7 7.3 7.5 7.4

2.3 2.6 2.3 2.3 2.2 2.3 2.6 2.8 3.1 3.6 3.8

7.0

15.3 17.2

-2.1 -2.0 -1.0

0.5 1.9 2.5 2.6

1.0 1.9 1.7 2.9 3.9 4.7

10.1

Q1-FY16 Q2-FY16 Q3-FY16 Q4-FY16 Q1-FY17 Q2-FY17 Q3-FY17 Q4-FY17 Q1-FY18 Q2-FY18 Q3-FY18 Q4-FY18 Q1-FY19 Q2-FY19

Income Branch Level Exp HO+RO Exp. PBT

Income & Expenditure Trend (₹ Crs.)

Thank You

Please visit

www.vayaindia.com

and our social mediaFor more details E-mail to:

[email protected]

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