CLOUD OVER Money Transaction

INVESTMENT REQUIRED

= 8 LAKHS INR

BUSINESS PLAN SUMMARY

Its an application of easy money transfer as well as payment

gateway process using a CREDIT termed virtual currencies

CLOUD LOOKS LIKE : HOW TO BUY CREDIT

CLOUD LOOKS LIKE : USER’S DASHBOARD

CLOUD LOOKS LIKE : HOW TO SEND CREDIT AND TO WHOM

Name of friend/restaurant/user

want to pay a company/ecomerce , who has a account in the social community

Amount of CREDIT what you want to

send

TECHNOLOGY BEHIND

• SQL

• PHP

&

Developed by

• Souvik roy

HOW USER/RESTAURANT/COMPANY GET/ECOMERCE GET MONEY FROM US

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User profile

Admin profile10 CREDIT

AFTER 1 DAY

In front of User’S door ::100 us dollar/50000 INR is

shipped!!!

For company/ecomerce/r

estaurant ::Will get the money

after 1 week!!That’s why we want

to take the name WEEKLY!!

Our pricing

We take 4 CREDIT per 100 CREDIT = 4% on transaction value

•No initial chagres

•No interest

•No finance charge

BUSINESS : Pricing we fixed

MANAGEMENT TEAM

AVISHEK ROY,iim.b,pgp,Oxfordshire

management ltd,partner

SOUVIK ROY,IIT,kgpSQL,php sepcialist

DEMAND ANALYSIS

Accelerated expansion in physical banking channels in

india

low channelpenetrationlevel/'00K

population

usa

ATM

Branch

uk

ATM

Branch

thiland

ATM

Branch

chaina

ATM

Branch

india

ATM

Branch

Mobile banking to seehuge growth and will

26 redefine transaction

139 banking paradigm in

india

21

53

9

59

14

15

Enormous expansion required in INDIA(network addition'000)

ATM Branch6 2001-2009 41 1442009-20(F) 45 175

DEMAND ANALYSIS

channel usageINDIA vs USA

100%

90%

80% channel usage INDIA

70%

60%

50%

40%

30%channel usage USA

20%

10%

0%

branch ATM internet/mobile call centers

banking

DEMAND ANALYSIS

unprecedented reach ofmobile over banking by 2020

2007 2010 20201400

1200

1000

800

600

400

200

0

1 2 3

significant improvementrequired in quality phoneand internet/mobile

banking out of 3

Transparency

Error free service

Speed of service

Exception handling

Personalization of service

Channel availability and up time

Channel look and feel

Ease of usage of call center,ussd,internet

0 0,5 1 1,5 2 2,5 3

DEMAND ANALYSIS

bankers' expectation : mobile banking will see explosive

growth

private/forPSU eign

mobile banking will see

explosive growth 57% 55%Wealth management will emerge as a bigopportunity

21% 55%

NIM will come under pressure;free incomewill be important

50% 9%

Banks & international presence will havesignificant advantage

50% 18%

large scale will be critical to survive43% 9%

Attracting & retaining talent will be one ofthe biggest challenges

71% 36%Industry will find a solution to servefinancially excluded in profitable manner 14% 9%

BUSINESS PLANOpportunity

% of people who are using mobile banking with respect to

their income in INR in

chennai+delhi+mumbai+banglore+kolkata as per survey of

BCG on 2011

<11 lakhs

7 lakhs - 11.49 lakhs

5lakhs – 6.99 lakhs

4 lakhs - 5.99 lakhs

< 1 lakhs

0% 5% 10% 15% 20% 25% 30% 35% 40%

FINANCIAL ASSUMPTIONS

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•Total no of user have done transaction per day = 30

•Amount of INR they transact = 30 INR

•Customer retaintion = 40%

•Avg. Transactions per customers per month = 10

•Target Monthly Customer Growth : for 1st yr = 10%,for 2nd yr = 8%,for 3rd yr = 6%,for 4th yr = 5%,for 5th yr = 5%

•Expenses value increase = 5% annually

FINANCIAL ANALYSIS : TRANSACTION VALUE CALCULATION

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MONTHLY TRANSACTION VALUE CALCULATION

month 1

month 1

month1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

month 1

day 1 day 2 day3 day 4 day 5day 6

day 7

day 8

day 9

day 10

day 11

day 12

day 13

day 14

day 15

day 16

day 17

day 18

day 19

day 20

day 21

day 22

day 23

day 24

day 25

day 26

day 27

day 28

day 29

day 30

total customer 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30Avg. money used/customer /day

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

INR 30

total days 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1

Customer Retention 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40%Total Daily Transaction Value

INR 135,0

00

INR 187,2

00

INR 237,600

INR 286,2

00

INR 333,0

00

INR 378,000

INR 421,200

INR 462,600

INR 502,200

INR 540,000

INR 576,000

INR 610,200

INR 642,600

INR 673,200

INR 702,000

INR 729,000

INR 754,200

INR 777,600

INR 799,200

INR 819,000

INR 837,000

INR 853,200

INR 867,600

INR 880,200

INR 891,000

INR 900,000

INR 907,200

INR 912,600

INR 916,200

INR 918,000

Daily Transaction Volume 125 173 220 265 308 350 390 428 465 500 533 565 595 623 650 675 698 720 740 758 775 790 803 815 825 833 840 845 848 850

First Month Total Transactions

18,000

First Month Total Retained Customers 1,800 First Month Transaction Value

INR 19,449,000

equivalent

to

INR 10,8

05

per customer per month

equivalent to

INR 1,080.50

per transaction

FINANCIAL ANALYSIS : PROFIT CALCULATION

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Avg. Transactions per customers per month 10

Revenue on Transaction Value 4%

Year 1 Year 2 Year 3 Year 4 Year 5

Target Monthly Customer Growth 10% 8% 6% 5% 5%

Month Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7Month 8

Month 9

Month 10

Month 11

Month 12

Monthly Transaction Volume 18,000 19,800 21,780 23,958 26,354 28,989 31,888 35,077 38,585 42,443 46,687 51,356

Monthly RevenueINR

777,960INR

855,756INR

941,332

INR 1,035,46

5INR

1,139,011

INR 1,252,91

2

INR 1,378,20

4

INR 1,516,0

24

INR 1,667,6

26

INR 1,834,3

89

INR 2,017,8

28

INR 2,219,6

11Monthly New Retained Customers 1,800 1,980 2,178 2,396 2,635 2,899 3,189 3,508 3,858 4,244 4,669 5,136

Year 1 Year 2 Year 3 Year 4 Year 5

Customer Base 38,492 96,929 195,040 350,263 629,022

Transaction Volume 384,917 969,287 1,950,395 3,502,630 6,290,220

Gross Profit INR 16,636,117 INR 41,892,574 INR 84,296,089 INR 151,383,665 INR 271,863,312

FINANCIAL ANALYSIS : EXPENSES

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initial cost calculation

unlimited phphosting cost for 12 month 240000

php charges for 12 month 12000

additional software licensing charges 154000

Pvt Ltd company registration charges(according to http://www.mycompanyregistration.com) 18000

current bank account charges 20000

Advertisement 100000

salary for blogger for 12 month 42000

general admin 200000

total 786000

FINANCIAL ANALYSIS : NET PROFIT CALCULATION(NET PROFIT=GROSS-DEPRECIATION-TAX)

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Year 1 Year 2 Year 3 Year 4 Year 5

Expenses -INR 786,000 -INR 30,000 -INR 31,500 -INR 33,075 -INR 34,729

EBITDA INR 15,850,117 INR 41,862,574 INR 84,264,589 INR 151,350,590INR

271,828,583

Depreciation -INR 344,000 -INR 344,000 -INR 344,000 -INR 344,000 -INR 344,000

Gross Profit INR 15,506,117 INR 41,518,574 INR 83,920,589INR

151,006,590INR

271,484,583

Tax -INR 4,961,958 -INR 13,285,944 -INR 26,854,588 -INR 48,322,109 -INR 86,875,067

Net Profit INR 10,544,160 INR 28,232,630 INR 57,066,001INR

102,684,481INR

184,609,517

BUSINESS PLANPotential exits scenarios

IPO offering: We seek to go

to public within 3 years of

operations. The funds used

will both help create liquidity

for investors as well as allow

for additional capital to

develop our strategy

Acquisition merger: Here in

india, several IT companies

are starting to build strategy

for SMS banking payment

service..So,they will be

targeting our customers

Thanks

Regards

Team : weekly!!