VAKRANGEENSE22 April 2022

Vakrangee Limited has informed the Exchange about Investor Presentation

Vakrangee Limited

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Vakrangee

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April 22, 2022

To,

Department of Corporate Relationship SSE ltd. Phiroze Jeejeebhoy Towers, Dalal Street, Fort, Mumbai - 400001

Dear Sir/Madam,

Vakrangee limited "Vakrangee Corporate House M Road No 16, MID C Maral. Andherl (East), Mumbal 400093, Maharashtra W wwwvakrangee.1O L ·912228503412 F +9122285020171 CIN L65990MH1990PLC056669

·912267765100

, Plot No 93.

Corporate Relationship Department National Stock Exchange of India ltd. Exchange Plaza, Bandra Kurla Complex, Bandra (East), Mumbai - 400051

Sub.: Update on Schedule of Analyst/ Investor meet under SEBI (listing Obligations and Disclosure

Requirements) Regulations, 2015 .

Ref.: Vakrangee limited - Scrip Code - 511431jVAKRANGEE

In furtherance to our intimation dated 21" Apri l, 2022 regarding Schedule of Analyst/ Investor meet, please find enclosed herewith the Corporate Prosentation considered in today's Analyst/ Investor meet.

The said Corporate Presentation is also made available on Company's Website www.vakrangee .in.

Kindly take the above on your record.

Thanking you,

Yours faithfully,

For Vakrangee limited

saCh~ Compeny S.cr.t.ry

(Mem. No.: ASOS77)

Encl: A/a

THE ASSISTED DIGITAL CONVENIENCE STORE

“GO TO MARKET PLATFORM” : BUILDING INDIA’S LARGEST LAST MILE DISTRIBUTION PLATFORM

VAKRANGEE LIMITED CORPORATE PRESENTATION

DISCLAIMER

This presentation has been prepared by Vakrangee Limited (“Vakrangee” or “VL” or the “Company”) solely for your information and for your use and may not be taken away, reproduced, redistributed or passed on, directly or indirectly, to any other person (whether within or outside your organization or firm) or published in whole or in part, for any purpose. By attending this presentation, you are agreeing to be bound by the foregoing restrictions and to maintain absolute confidentiality regarding the information disclosed in these materials.

The information contained in this presentation does not constitute or form any part of any offer, invitation or recommendation to purchase or subscribe for any securities in any jurisdiction, and neither the issue of the information nor anything contained herein shall form the basis of, or be relied upon in connection with, any contract or commitment on the part of any person to proceed with any transaction. The information contained in these materials has not been independently verified. No representation or warranty, express or implied, is made and no reliance should be placed on the accuracy, fairness or completeness of the information presented or contained in these materials.

Any forward-looking statements in this presentation are subject to risks and uncertainties that could cause actual results to differ materially from those that may be inferred to being expressed in, or implied by, such statements. Such forward-looking statements are not indicative or guarantees of future performance. Any forward-looking statements, projections and industry data made by third parties included in this presentation are not adopted by the Company and the Company is not responsible for such third party statements and projections.

This presentation may not be all inclusive and may not contain all of the information that you may consider material. The information presented or contained in these materials is subject to change without notice and its accuracy is not guaranteed. Neither the Company nor any of its affiliates, advisers or representatives accepts liability whatsoever for any loss howsoever arising from any information presented or contained in these materials.

THIS PRESENTATION IS NOT AN OFFER OF SECURITIES FOR SALE IN THE UNITED STATES OR ELSEWHERE.

TABLE OF CONTENTS

Company Overview

Strategy 2.0 : Our next 5 year growth plan

Demerger Update

Update on Sustainability ESG Initiatives

Update on Awards & Recognition

Results Performance Update

Board of Directors Team

Annexure : Kendra Evolution

COMPANY OVERVIEW

NEXTGEN VAKRANGEE KENDRA – SCOPE OF SERVICES

Banking , ATM & Insurance

Financial Services / Fintech

E-Commerce / Online Travel

Tele Medicine / Pharmacy

PAN INDIA PRESENCE : • • •

> 80% IN TIER 4-6 LOCATIONS 5,430+ POSTAL CODES 560+ DISTRICTS

PHYSICAL + DIGITAL ECO-SYSTEM

“GO TO MARKET PLATFORM” : BUILDING INDIA’S LARGEST LAST MILE DISTRIBUTION PLATFORM

19,230+ LAST MILE PHYSICAL OUTLETS

~25 MN ACTIVE CUSTOMER BASE

~US$ 6.7 BN ANNUALIZED GROSS TRANSACTION VALUE

NEXTGEN VAKRANGEE KENDRA – SCOPE OF SERVICES

BFSI & ATM SERVICES

(White Label ATM License)

• ATM Cash Withdrawal • Non-Financial Transactions

• Opening of Online Demat &

Trading Account • Money Transfer •

Lead Generations of Personal / Home / Business Loans

• Pan Card Service • CIBIL Score service

• Life Insurance • General Insurance • Health Insurance

• Account Opening • Cash Withdrawal/ Deposit

services

• Other Banking services

NEXTGEN VAKRANGEE KENDRA – SCOPE OF SERVICES

ASSISTED E-COMMERCE SERVICES

(Only for Rajasthan)

•

Online Shopping of Goods Online Shopping of Jewellery Telemedicine services Online Shopping of Medicines

• Mobile/DTH Recharge • •

Bill Payments E-Mitra services in Rajasthan

• • •

•

Train Ticket Booking Bus Ticket Booking Flight/Hotel Ticket Booking

Online Education Services

Online Agriculture Product & Services

E-COMMERCE MARKETING INITIATIVES

Link to the Co-Branded Advertisement Campaign - Amazon & Vakrangee :

https://www.youtube.com/watch?v=MPtZ_c62 Odg

https://www.youtube.com/watch?v=- AJarKHI94c

FORMATS OF NEXTGEN VAKRANGEE KENDRA

NEXTGEN VAKRANGEE KENDRA: GOLD, SILVER AND BRONZE MODEL

Update on Nextgen Vakrangee Kendra Model:- • As the Bouquet of services have increased over the last few years , the viability of the kendra has

•

increased on a standalone basis resulting into an Exclusive store format. Key Mandatory features have been added in the Nextgen Model - CCTV, Digital Signage & Pinpad device for all kind of payment mode.

• Nextgen Vakrangee model includes standardized Look & Feel and Branding as designed by

renowned Store Brand consultants Lewis & Hickey.

Gold Kendra

Silver Kendra

Bronze Kendra

Minimum area of 300 sq. ft. Four counters, owner desk and ATM

Minimum area of 100 sq. ft. Two counters and ATM

Minimum area of 65 sq. ft. Type 1: One counter and ATM Type 2: One Counter and Micro ATM Type 3: Only ATM

STORE EXCLUSIVITY & CONSISTENT BRANDING

ATM IN OUTLET

CENTRALIZED MONITORING SYSTEM

DIGITAL ADVERTISING

PIN-PAD DEVICES

KEY FEATURES – NEXTGEN VAKRANGEE KENDRA

KEY FEATURES

•

• •

• • •

•

• •

•

Exclusive store model with same service level and same Customer experience Standardized layout & design by L&H (Lewis & Hickey) Uniform and Consistent Branding for Higher brand recall and visibility

ATM at store and located within the store Potential to enhance the footfalls significantly Additional stream of revenues for both the Franchisee and the company

Centralized CCTV system Better Security at the store Full compliance with RBI guidelines to maintain more than 90 days video recording back up

Digital Signage to enable centrally monitored advertisement campaigns To enhance the interaction between Customers and Partners Focus to initiate advertising revenue

To enable various kinds of payment modes at any Vakrangee Kendra Integration in process to start accepting RuPay / Debit / Credit card payments

NEXTGEN VAKRANGEE KENDRA MODEL

HUGE UNTAPPED MARKET: OVERALL MARKET POTENTIAL

POPULATION 1.35 BILLION

POLLING STATIONS 1 MILLION

TOTAL NO OF VILLAGES 6,62,986

TOTAL NO OF GRAM PANCHAYAT 2,53,268

TOTAL NO OF URBAN WARDS 75,535

TOTAL OUTLET POTENTIAL 3,28,803

STORE ECONOMICS OF A NEXTGEN KENDRA

NextGen Outlet Estimated Revenue Per Store

NextGen Outlet Estimated Commission Sharing Ratio

NextGen Outlet Estimated Profit Margins %

NextGen Outlet Estimated Capex for Franchisee & Breakeven

Avg. Revenue per Month Rs. 0.1 mn *

Ranging from 65:35 to 80:20 based on Service Type

Vakrangee Margins Operational Gross Level – 18-20% Sustainable EBIDTA Level – 15-16%

Total Capital Employed for Franchisee – Rs. 1.0 – 1.5 mn Breakeven Period In Months – 18-24

Note: * - Estimate Based on a mature store. Maturity is considered as more than 12 months old outlet.

OUR PROPRIETARY TECHNOLOGY PLATFORM

SERVICES PROVIDED THROUGH REAL-TIME INTEGRATION WITH PARTNER SYSTEMS

BANK – CORE BANKING SERVER

ALL PARTNER SYSTEM (e-Commerce, e-Governance, Insurance, Financial Services & Logistics)

Customer

Vakrangee Kendra Management System

Internet Connectivity

Vakrangee Kendra

ACCOUNTS TO BE MAINTAINED FOR REAL-TIME SETTLEMENT

BANK SETTLEMENT ACCOUNT

VAKRANGEE WALLET ACCOUNT

ATM SETTLEMENT ACCOUNT

Technology

Internet Connectivity

• Technology platform integrated with CBS of

•

Seamless connectivity through V-SAT or Broadband Internet

various banks, delivering real-time & interoperable banking access

• Biometric authentication enabling quick KYC

and paper less banking

•

Integration with all partner systems across E- Commerce, E-Governance, Insurance and Logistics

• Technical Support Available - Resources at block level trained to handle day-to-day IT glitches and troubleshooting

Security Specifications

• Defined User Policy -Authentication required for each and every user of

the server; Secured and safe transactions

•

WHITE LABEL ATM – OPPORTUNITY

India ranks low in the world in terms of ATM Density. We have ATM density of 210 ATMs per Million whereas developed countries like Canada have 2,141 ATMs per Million.

Low ATM Penetration in Tier 3, 4, 5 and 6 cities creates Huge opportunity for WLAs to bridge the gap between Urban and Rural India

As on December 2021, India had ~ 254,000 ATMs

Vakrangee is 3rd largest ATM Deployer in Rural India

RBI WLA license to Vakrangee –

• Minimum of 1,000 WLAs to be deployed per year

• Maintain ATM deployment ratio of 1:2:3 (Metro / Urban : Semi Urban : Rural)

BENEFITS OF VAKRANGEE WLAS OVER OTHER PLAYERS

Sr. No.

Operating Cost

Vakrangee

Peers

Rent Expense

Civil Work & Interiors

Internet Connectivity

Cash Management Charges

ATM Operational Costs

Security Guard

COMPETITIVE ADVANTAGES VAKRANGEE MODEL

COST SYNERGIES

• No requirement of security guard as the ATM is located inside the Vakrangee Kendra & monitored through centralized CCTV

• Sharing of Civil Work, Internet

Connectivity, Rent and Electricity expenses

• CRA activity performed by Franchisee. No additional CRA Cost and dependency for First Line of Maintenance (FLM) calls

LAUNCH OF MOBILE SUPER APP UPDATE

•

Vakrangee has recently launched an online digital platform to enable seamless services for the consumer at the comfort of their homes. Through this, company has evolved into the unique O2O (Online to Offline) platform, whereby there is Assistance available through the Physical Kendra network along with Digital Online Services.

The company has Initiated this Unique Hybrid proposition with launch of first Digital service of Total Healthcare services The company plans to make many more existing Vakrangee services live through this platform.

The Company is now launching an All in one : “BharatEasy” Mobile Super App based business platform. (Beta Trial Version has been launched)

By downloading a single Vakrangee’s BharatEasy Super App mobile application, our customers would get access to a wide array of Products and Services which would significantly reduce their requirement to switch between multiple apps. This would lead to superior customer experience and convenience for the customer.

The Mobile super app platform would be offering various consumer products and services under one umbrella. Consumers would use it every day because our app would offer a seamless, multi-service, integrated, contextualized and efficient experience.

BUSINESS MODEL : OUR UNIQUE OFFERING

Customer

BharatEasy Mobile Super App

Super App : Multi Category Offering

Service Partners • • Online Shopping • Total Healthcare • Banking / Insurance / Money Transfer • Bill Payments / Recharges • Loan Products / Mutual Funds • Travel / Entertainment / Events • Agri Products • Courier Services • Online Education

Strong Value Proposition • All in One Super App Platform • Access to Physical Store network - Trust & Comfort for Customers especially in Rural India

Store Pick Up Facility

Unique Convenience Features : Leveraging the Vakrangee Eco-System • • Pay at Store (Cash) • Order Return facility • Courier Pick up / Drop Facility • Physical Assistance Available • Grievance / Helpdesk Facility

Vakrangee Kendra Network • •

FY26E Store Network – 75,000 outlets FY26E Gross Transaction Value – US$ 50 BN FY26E No. of Customers – ~80-100 MN

•

STRATEGY 2.0: VAKRANGEE’S PHYSICAL NETWORK PLATFORM – OUR NEXT 5 YEAR GROWTH PLAN

FOCUSSED TO BUILD PAN-INDIA PRESENCE COVERING 100% POSTAL CODES

FY 2025-26

- 75,000+ Outlets - 36 States / UTs - 740 + Districts

- 19,000 + Postal codes - ~70% Tier V & VI

Q3 FY 2021-22

- 19,230+ Outlets - 33 States / UTs - 560+ Districts - 5,430+ Postal codes - 80% Tier IV & VI

With Exclusive Branded Format Stores, Consistent Service Experience & Strong Brand Recall

DEMERGER UPDATE

• As on June 19, 2021 the Board of Directors of Vakrangee Limited had approved

Demerger of its digital Division.

• However, The Board of Directors have now after due deliberations and detailed

discussions, taking into consideration the best interest of all its stakeholders, have finally decided to demerge its E-Governance and IT/ITES division. Whereas the digital division will continue to be part of the current listed entity Vakrangee Limited.

BOARD DECISION ON DEMERGER: VAKRANGEE TO RESTRUCTURE ITS BUSINESS FOR SHAREHOLDER VALUE CREATION TO DEMERGE ITS NON CORE BUSINESS OF E-GOVERNANCE AND IT/ITES AS A SEPARATE ENTITY TO BE LISTED

• Demerger to unlock the potential of the Core Vakrangee kendra Business in the current Listed entity.

• Current Listed Entity “Vakrangee Limited” to consist of existing business of Vakrangee Kendra physical

outlets as well as Digital platform of BharatEasy Mobile Super app.

• Vakrangee Kendra Business is Retail centric Consumer facing business. It is an Asset Light, High return on

capital business and thereby will get the proper representation post the Demerger.

•

The Demerger will enable both the Companies to enhance business operations by streamlining operations, more efficient management control and outlining independent growth strategies.

PROPOSED DEMERGER STRUCTURE

PRE-DEMERGER

POST- DEMERGER ARRANGEMENT

VAKRANGEE LIMITED – CURRENT LISTED ENTITY

POST- DEMERGER ARRANGEMENT

TO INCLUDE :- •

VAKRANGEE KENDRA BUSINESS (PHYSICAL OUTLETS) BHARATEASY MOBILE SUPER APP (DIGITAL PLATFORM)

KEY FEATURES : •

ASSET LIGHT BUSINESS MODEL SCALABLE FRANCHISEE MODEL HIGH RETURN ON CAPITAL FREE CASH FLOW POSITIVE

•

• •

VL E-GOVERNANCE & IT SOLUTIONS BUSINESS DIVISION – TO BE LISTED

TO INCLUDE :- • • •

E-GOVERNANCE BUSINESS IT/ITES BUSINESS IT EQUIPMENT PROCUREMENT & TRADING SERVICES

KEY FEATURES: • •

PROJECT BASED BUSINESS CAPITAL INTENSIVE BUSINESS

• WORKING CAPITAL

INTENSIVE

VAKRANGEE KENDRA BUSINESS – POST DEMERGER

VAKRANGEE LIMITED TO EMERGE AS PURE RETAIL CONSUMER CENTRIC BUSINESS

POST DEMERGER :

RETAIL CONSUMER CENTRIC BUSINESS

STRONG RURAL BRAND PRESENCE

UNIQUE PHYSICAL + DIGITAL PLATFORM

ASSET LIGHT MODEL

SCALABLE FRANCHISEE LED MODEL

DEBT FREE BALANCE SHEET

HIGH RETURN ON CAPITAL

FREE CASH FLOW POSITIVE

HIGH RETURN ON EQUITY

VAKRANGEE LIMITED TO EMERGE AS ONE OF INDIA’S LARGEST RURAL DISTRIBUTION PLATFORM ALONG WITH DIGITAL PLATFORM OF BHARATEASY MOBILE SUPER APP

UPDATE ON SUSTAINABILITY ESG INITIATIVES

SUSTAINABILITY ESG PERFORMANCE UPDATE

VAKRANGEE RECOGNIZED AS A TOP ESG PERFORMER IN 2022

• Vakrangee Limited has been identified as a top ESG performer out of more than 4,000

comprehensive companies that Sustainalytics cover in the global universe.

•

In 2022, Vakrangee has been recognized by Sustainalytics as an ESG Global 50 Top Rated company.

• Vakrangee has also been awarded ESG India Leadership Award 2021 for the Category - “Leadership

in Data Privacy and Security” organised by ESGRisk.ai, India’s first ESG rating company.

IMPORTANT: Sustainalytics retains control of the badge image, and reserves the right to terminate access and use of the badge designation and image at any time pursuant to the terms and conditions outlined in the licence contract.

KEY INITIATIVES : SUSTAINABILITY IMPACT & ESG

•

Being one of the largest franchisee-based, multi-service retail network, Vakrangee is focused on creating India’s extensive network of last-mile retail outlets at every postal code in the country, enabling Indians to benefit from financial, social and digital inclusion.

Vakrangee Limited has been accepted as a Signatory of the United Nations Global Compact.

• We are now part of a global network of over 9,500 companies and 3,000 non- business participants that are committed to building a sustainable future.

•

• Globally ranked No.1 in the Sustainalytics ESG Risk rating rankings out of the 816 companies assessed in the Software and Services industry across worldwide. Achieved “B” Score from CDP for Environmental Practices, Better than the Industry’s Average (Asia regional average of D, Global Average of C). Reasonable Assurance of Integrated Annual report of FY21 by Grant Thornton.

•

Being Responsible & Social Conscious Company

Being UNGC Signatory Member

Independent ESG Risk Assessment & Integrated Report Assurance

We have mapped our sustainability initiatives with the United Nation’s Sustainable Development Goals. Our aim is to efficiently adopt these goals and address the global challenges, which includes poverty, inequality, climate, environmental degradation, prosperity, and peace and justice.

SUSTAINABILITY ESG PERFORMANCE UPDATE

Global recognition reflects company’s commitment to further enhance its corporate governance and transparency standards. Company has achieved Global recognition across various platforms for its superior ESG performance and long term Business sustainability.

Company has been successful in benchmarking its performance on a wide range of industry specific economic, environmental, governance and social criteria that are relevant to the growing focus on Business sustainability and financially relevant to the corporate success.

Sr. No.

ESG Assessment & Rating platform

Vakrangee Ranking

Sustainalytics ESG Risk Assessment Rating

Globally ranked No.1 in the Sustainalytics ESG Risk rating rankings out of the 816 companies assessed in the Software and Services industry across worldwide

SAM Corporate Sustainability Assessment (CSA) –S&P Global

Globally ranked No. 13 Company in the global industry ranking and ranked No. 9 in the Corporate Governance global industry raking based on RobecoSAM – S&P Global ESG Score.

Bloomberg Gender Equality Index (BGEI)

Included in the Bloomberg’s 2021 Gender-Equality Index (GEI). The 2021 Bloomberg GEI comprises of 380 companies across the world with a combined market capitalization of USD14 Trillion Headquartered in 44 countries and Regions across 11 sectors.

UPDATE ON AWARDS & RECOGNITION

AWARDS & RECOGNITION

 Vakrangee makes history by setting GUINNESS WORLD RECORDSTM title for the Most stores launched simultaneously on 14th January 2019

 Launches 1107 Nextgen Vakrangee kendra stores across the country at 11.07 Am on the same day

 This is the highest number of stores opened anywhere in the world

 Vakrangee has been awarded as the best ‘FINANCIAL SERVICES RETAILER OF THE YEAR’ at the Indian Retail Awards 2019.

 The objective of the Indian

Retail Awards is to recognize the Retailers who are closing the gap between operational reality and consumer expectations with great retailing practices.

 Vakrangee has been ranked amongst Top 100 Franchise Opportunities for the year 2021 by the Franchisee India in the Franchising World’s Annual Survey.

 Franchise 100 represents the Top-100 best performing franchise brands and opportunities by analyzing their brand strength, franchise growth, size of system, costs and fee as well as franchise friendliness.

 Vakrangee has been awarded ESG India Leadership Award 2021 for the Category - “Leadership in Data Privacy and Security” organised by ESGRisk.ai, India’s first ESG rating company.

 We prioritize the trust of all

our stakeholders and employees, and place strong emphasis on data privacy and security.

RESULTS PERFORMANCE UPDATE

Key Highlights – Q3 FY2021-22 (Y-o-Y Basis)

REVENUE FROM OPERATIONS

EBITDA

PROFIT AFTER TAX (PAT)

In Rs Mn

2086.7

433.6

293.3

743.6

180.6%

72.8%

74.6%

250.9

168.0

Q3 FY2020-21

Q3 FY2021-22

Q3 FY2020-21

Q3 FY2021-22

Q3 FY2020-21

Q3 FY2021-22

Sale Revenue & Profitability Growth : Positive • Witnessed strong Financial & Operational growth. Return to normalcy on the business front has been progressing well as E-

commerce, Online Healthcare and other services have become fully operational Strong growth witnessed in Revenues due to increase in Number of outlets on a YoY basis as well as services becoming operational. EBIDTA Margins have improved at around 20.8% and PAT Margins at 14.1% due to lower employee expenses as well as major contribution has been from BFSI & ATM services Implemented Process automation & Technology Initiatives resulting into enhanced profitability Strong Operating Leverage to result into significant improvement in profitability

• •

Planned Target : Return to Normalcy & Strong Growth • Well on Plan to achieve our Outlet expansion Target of 25,000 NextGen outlets by FY2022 (March-2022) •

Long term targets to 75,000 NextGen outlets by FY2026

RESULTS PERFORMANCE UPDATE

REVENUE FROM OPERATIONS

PROFIT AFTER TAX (PAT)

In Rs Mn

2071.9

2086.7

1540.2

1018.5

743.6

293.3

267.4

233.3

207.9

168.0

Q3FY2020-21 Q4FY2020-21 Q1FY2021-22 Q2FY2021-22 Q3FY2021-22

Returning to Pre-Covid Growth Path, Witnessing Strong Business Growth Momentum !!

We have Reached an Inflection Point, we are now well poised for strong Financial & Operational growth over the coming quarters and future years.

VAKRANGEE KENDRA OUTLETS – PERFORMANCE UPDATE

PERFORMANCE UPDATE FOR QUARTER ENDED DECEMBER, 2021

~Rs. 125.5 Bn

~34.1 Mn

Quarterly Throughput on Vakrangee Platform – Q3 FY22 Transaction Value

Quarterly No. of Transactions on Vakrangee Platform – Q3 FY22

19,230+

No. of Outlets currently Operational**

~US$6.7 Bn

Annual Run Rate Throughput – Transaction Value - basis Current No. of operational Outlets

Our Aim to become India’s Largest Rural Consumption Platform

NOTE: ** No of Outlets 13,610+ fully Operational outlets and 5,620+ Outlets are under Service Activation stage

VAKRANGEE KENDRA OUTLETS – PERFORMANCE UPDATE

Q3 FY2021-22 - GMV / THROUGHPUT CONTRIBUTION (RS. MN.)

Margin Profile %

2 - 15%

30,775

Rs. 17/ Fin Txn

92,940

0.25 - 0.40%

E-Commerce

1,793

ATM

BFSI

•

BFSI and ATM services witnessed robust QoQ as well as YoY growth as we get back to pre-covid growth path.

E-Commerce, Online Healthcare and Other services have now become operational and have witnessed YoY growth and is improving.

* E-Commerce includes online Shopping, Online Pharmacy, Travel Ticket Booking, Logistics & other Services

CASE STUDIES : NEXTGEN TOP PERFORMERS

SHUBHAM KULKARNI

ABDUL HAKIM SHEIKH

DEEPALI ANDHARE

Franchisee - SHUBHAM KULKARNI from a Tier-3 location of Maharashtra have Earned `88,373 in just month from BFSI Services

Franchisee – ABDUL HAKIM SHEIKH from a Tier-5 location of Rajasthan have Earned `1,67,012 in just month from ATM Services

Number of Accounts Opened - 91

Total Transaction Value - `4,86,12,050

Number of Financial Transaction - 16,418

Total Transaction Value – `17,95,500

Franchisee - DEEPALI ANDHARE from a Tier-1 location of Maharashtra have Earned `41,262 in one month from BFSI-DMT Services

Number of Transactions - 2,491

Total Transaction Value -

`66,30,608

SUNANDAN KUMAR

Franchisee - SUNANDAN KUMAR from a Tier-3 location of Punjab have Earned `75,994 from vHealth by Aetna Services

Number of Plans Sold - 328

Total Transaction Value -

`3,27,999

CONSOLIDATED FINANCIAL STATEMENTS

Key Profit & Loss Statement Items

Particulars (Rs. Mn.)

Revenue from Operations Total Expenses

EBIDTA Profit before Tax (PBT) Tax Expenses Profit after Tax (PAT) Earnings per Share (EPS Basic)

Q3 FY2021-22

Q3 FY2020-21

YoY%

Q2 FY2021-22

9M FY2021-22

2,086.7 1,698.8

433.6 379.7 86.4 293.3 0.28

743.6 711.8

250.9 210.0 42.0 168.0 0.16

180.6 138.7

72.8 80.8 105.7 74.6 75.0

2,071.9 1,723.8

392.0 352.8 85.3 267.4 0.25

5,698.8 4,671.5

1,166.4 1,037.9 243.9 794.0 0.75

Key Balance Sheet Items

Particulars (Rs. Mn.)

H1 FY2021-22

FY2020-21

Particulars (Rs. Mn.)

H1 FY2021-22

FY2020-21

Net Worth Share Capital

Other Equity

Total Debt

Long Term Debt

Short Term Debt

Other Non-Current Liabilities

27,000.3

1,059.4

25,940.9 0.0

0.0

50.1

26,640.8

1,059.4

25,581.4 0.0

0.0

44.4

Total Sources of Funds

27,050.4

26,685.2

Fixed Assets Other Non-Current Assets Inventory Trade Receivables Cash & Cash Equivalents Other Current Assets Less: Trade Payables Less: Other Current Liabilities Net Current Assets Total Application of Funds

1,559.7 6,029.6 45.9 10,903.4 345.2 10,820.2 837.2 1,816.4 19,461.1 27,050.4

Fiscal Year (FY) is 12 months ending March

1,605.1 6,029.9 49.7 11,203.1 212.8 9,655.7 341.4 1,729.7 19,050.2 26,685.2

BOARD OF DIRECTORS TEAM

BOARD OF DIRECTORS

Strong Board of Directors

RAMESH JOSHI Non Executive Chairman

• Has about 40+ years of business experience. He has held several leadership positions in the Reserve Bank of India and has been Nominee Director on behalf of RBI on the Boards of Various Banks, and retired as an Executive Director of SEBI.

• He is also on the Panel of Arbitrators for NSE, BSE and MCX. • Holds a Bachelor’s degree in Arts from the University of Nagpur and a Bachelor’s degree in Law from the

University of Nagpur.

DINESH NANDWANA Managing Director & Group CEO

DR NISHIKANT HAYATNAGARKAR Director – R&D

• Has about 27+ years of business experience. Main functions and areas of responsibilities in the Company include policy formulation and decision making. • Has received a memento from the former Honorable President of India, Late Shri Shankar Dayal Sharma in 1996. • Recipient of the ‘CA Business Leader - SME (3rd Rank)’ award by the Institute of Chartered Accountants of India for the year 1997. • Holds a Bachelor’s degree in Commerce from Rajasthan University & is a certified Chartered Accountant from the Institute of Chartered Accountants of India.

• Has about 25+ years of business experience in the information technology sector. • Main areas of responsibility in the Company include software development, information technology compliance and technical support. Holds a Doctorate in Computer Science from the Indian Institute of Technology, Mumbai

BOARD OF DIRECTORS

Strong Board of Directors

AVINASH VYAS Non Executive Independent Director

SUNIL AGARWAL Non Executive Independent Director

B. L. MEENA Non Executive Independent Director

Ranbir Datt Nominee Director

SUJATA CHATTOPADHYAY Non Executive Independent Director

H.C. MITTAL Non Executive Independent

• Has wide experience in Audit Certification for externally aided projects funded by foreign agencies such as World

Bank and its extended arms

• Holds a Bachelor’s Degree in Commerce and is LL.B (professional) which adds to his business acumen.

• Has over 25+ years of experience in business administration. He is an entrepreneur with varied business interests

in the mining industry in Rajasthan.

• Holds a Bachelor’s degree in Commerce from the University of Rajasthan.

• Has about 28+ years of experience, having served in various Government departments. A former Chief

Commercial Manager, North Western Railways.

• Holds a Master’s degree in Arts from the University of Rajasthan and a Bachelor’s degree in Law from the

University of Rajasthan

• Nominee Director (representing the Life Insurance Corporation of India) of our Company. •

Joined LIC as Assistant Administrative Officer in 1984. Worked as Head of various channels in LIC of India viz., Deptt of Pension & Group Superannuation, Banking Assurance, Micro Insurance, Office Service & Estates etc. Presently Mr. Datt is Executive Director of Corporate Planning /New Projects.

•

Fellow member of the Institute of Cost Accountants of India and the Associate member of the Institute of Company Secretaries of India.

• Has over 26+ years of experience across various industries and geographies - Choice Capital Advisors Private Ltd,

Polygenta Technologies Ltd, Arysta LifeScience India Ltd, Steel Exchange India Limited.

• Mr. Mittal is a postgraduate and a certified associate from Indian Institute of Bankers. In his long and illustrious

career of more than 37 years with Union Bank of India, he has held several leadership positions.

• He possesses vast exposure and experience in various fields of banking administration across segments ranging from

MSME, Retail, Agriculture, Import / Export & Financial Inclusion.

ANNEXURE : KENDRA EVOLUTION

KENDRA EVOLUTION

PHASE 1: INITIALLY AN E- GOVERNANCE PLAYER

PHASE 2: EVOLVED TO A BANKING BC POINT MODEL

PHASE 3: EVOLVED TO MULTI SPECIALITY STORE MODEL

PHASE 4: EXCLUSIVE NEXTGEN DIGITAL CONVENIENCE STORE

PHASE 1: CSC & E-MITRA MODEL

PHASE 2 : BANKING BC POINT MODEL

PHASE 3 : MULTI-SPECIALITY STORE MODEL

PHASE 4 : NEXTGEN KENDRA MODEL –DIGITAL CONVENIENCE STORE

OUTLETS WERE TERMED AS “COMMON SERVICE CENTRE - CSC” OR “E-MITRA KENDRA” :-

• NON-EXCLUSIVE STORE

MODEL

• SINGLE LINE OF SERVICE

PRIMARILY

• NO STANDARDIZED DESIGN LAYOUT & BRANDING. KIRANA STORE MODEL

COMPANY RECEIVED THE BC BANKING MANDATE AND STARTED BANKING SERVICES – • NON-EXCLUSIVE • DUAL LINE OF SERVICE - E- GOVERNENCE & BANKING SERVICES

• NO STANDARDIZED DESIGN ,

INITIATED STANDARD BRANDING IN TERMS OF BASIC SIGNAGE & HOARDINGS

EVOLVED INTO A MULTI SPECIALITY STORE MODEL :–

•

PLANNED AS AN EXCLUSIVE STORE MODEL

MULTI-LINE OF SERVICES – BANKING, E-GOVERNENCE, INSURANCE, E-COMMERCE & OPTIONAL ATM SERVICES

INITIATED STANDARD BRANDING IN STORE LAYOUT AS WELL AS SIGNAGE

EVOLUTION INTO AN EXCLUSIVE ASSISTED DIGITAL CONVENIENCE STORE MODEL –

• EXCLUSIVE STORE MODEL • MULTI-LINE OF SERVICES – STANDARDIZED LAYOUT & DESIGN BY L&H (LEWIS & HICKEY)

• STANDARD BRANDING IN

STORE DIGITAL SIGNAGE & CCTV MANDATORY

Thank You

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