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    Case Reference - SK Finance

    Uploaded by

    Bhaskar Garimella

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    © All Rights Reserved
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    Case Reference - SK Finance

    Uploaded by

    Bhaskar Garimella
    18 views2 pages

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    © © All Rights Reserved

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    Copyright:

    © All Rights Reserved
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    18 views2 pages

    Case Reference - SK Finance

    Uploaded by

    Bhaskar Garimella

    Copyright:

    © All Rights Reserved
    Download as PDF or read online from Scribd
    Download as pdf
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    sk FINANCE | CASESTUDY - ESS KAY FINCORP. Ess Kay Finance case study analusis ROBUST GROWTH | AUM (INR IN MILLION) INCREASING SCALE WITH 31,554 DIVERSIFICATION | PORTFOLIO SPLIT (%) GCAGR: 449% MSME 8.x 45,506 2 28 ay 412,820 oes Trectors wv s 5e% 3878 FYIS FYIG = -FYIT:—«FYI8. FYI. F¥20 Q3FY21. Care IMPROVING CREDIT RATING Pia Fva3 Fyis, rvs, Fri9 Fv20 CARE CARE CARE GARE CARI CARE BB+ BBE. BBB BBB+ be A INCREASING GEOGRAPHIC PRESENCE (% OF PORTFOLIO) 4% © Punjab 69% Rajasthan 2% ae Haryane Gujerat , © 2%. We Mahareehtra Madhya Pradesh FINANCE | CASESTUDY -ESS KAY FINCORP PRODUCT DIVERSIFICATION ‘94% of AUM comprises Vehicle Finance while the remainder mainly consists of LAP/ MSME, with 70%+ of AUM comprising used CVs. (CUSTOMER PROFILE Middle and lower middle-class segments in the urban, semi urban and fast growing rural geographies; ATS of INR 2.65 lacs reflecting granularity. IN-HOUSE TECH Uses advance MIS software named 'Fin one neo! which aids monitoring even through smart phones; Entire loan origination and collection is done in-house leading to quality portfolio. GEOGRAPHICAL PRESENCE Present in 6 states and UTs with further plans to diversify, with 350+ branches end 1.6+ lakh customers leading to substantial repeat business with less effort. DIVERSIFIED LENDER BASE Exposure to commercial papers is nil and ¢.30% of borrowings are term loans; relationship with 18 banks and 16 financial institutions. Backed by marquee + TPG entering in Oct-18. investor rs with ~ Norwest, Baring PE India and Evolvence Coinwest entering in Dec-47. Banysnfree Growth capital exiting in Dec-17, having invested in the company in Mar-i2, making an INR IRR upwards of 30%. ETPG NORWEST Wig retiree Sheng

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