INFR   VISION




                                1
Corporate Profile
Vision
    To be the most inspiring global
  infrastructure financial institution




            Mission
To be an Indian ...
SREI corporate milestones
  •   1989 identified infrastructure sector as its core business &
      started operations

  •...
SREI’
SREI’s achievements
   Rs 62 bn (USD 1.52 bn) of                             mn)
                                   ...
Shareholding pattern
Foreign Holding             49.95%
GDRs                                              Pvt Corp Bodies
...
SREI – Board of Directors
Name                                       Previous experience
M. S. Verma, Chairman            ...
International institutional stakeholders




                                           7
Our Presence




                               Headquartered at Kolkata, we have pan India
                              ...
Our infrastructure value chain
Customers     Equipment           Project           Advisory             Venture Funds




...
Infrastructure
                                       Insurance Broking
         Equipment

Construction, Mining, Oil & Ga...
Infrastructure                   Infrastructure               Infrastructure
     Financing                         Adviso...
Investment Banking                             Venture Capital


• IPOs / Public Offerings                 • Equity

• Deb...
STRATEGIC BUSINESS


           Bank-
 Equipment Bank-                  SREI Sahaj e-e-              ZAO SREI Leasing,
   ...
Market leader in equipment finance
                                                 Others
                         GE Cap...
Infrastructure Project: Financing
      Roads                  Power                  Ports

• Participation at     • Fina...
Infrastructure Project: Financing
    Railways               Aviation                Shipping

• Equipment linked    • Hyp...
Equipment Bank: Quipo
                      Domestic                                                  International
      ...
Quipo World
    Quipo                    Quipo                     Quipo               Quipo                Valuation &
 C...
Financial highlights
                                                              HY FY 08
USD Million           FY04    ...
Strong balance sheet
USD Million                   FY04     FY05     FY06     FY07
Share Capital                 13.03    ...
Ratio Analysis
                                       FY04    FY05    FY06    FY07
Return on Average Net worth            ...
SAHAJ

ICT Business Integrator




                          22
What can be
Using Information Technology to transform India
      Common Service Centers as vehicles for rural inclusion

...
COMMON MAN

Reaching the last man
                        AWARENESS
                        ACCESS
                       ...
Delivery Channels

Common Service Centers:
   Reaching out to all



                          25
COMMON SERVICE CENTRES
• Under the National e-governance plan of Govt.
  of India, which was announced by Dr.
  Manmohan S...
CSC Project salient features
• 100,000 CSCs will be established all over India
• These will be set up in PPP mode on BOO b...
Current Status
• SREI-Wipro consortium has 22,473 CSCs
• Our network will cater to 18.98 crore population of India
  in fi...
BENEFITS OF COMMON SERVICE CENTRES

• Creating Entrepreneurs – 22473
  businesses created in the beginning itself
• Bridgi...
SAHAJ USP
• Largest ICT based network with 22473
  Centres catering to 19 crores of India’s
  population
• Network as mono...
•   Positioning itself as a Business Integrator
•   Integrating across IT and Infrastructure
•   Making CSCs work beyond r...
Partnerships
• Wipro – IT Partner
• Oracle – IT Software Infrastructure
  Partner
• Intel – World Ahead Alliance
• Red Hat...
Business Logic
• To access various services, a villager has to
    go to the block headquarter or other nearest
    town. ...
Existing Models
                                                               Number of
      Project Authority          ...
LIMITATIONS IN THE EARLIER SCENARIO
1.Lack of sufficient variety of services
2.Lack of economies to capture & cater to mas...
Common Service Centres

    Challenges Unlimited




                           37
Challenges
• Infrastructure challenges
• Human Resource challenges
• Capital challenges
• Revenue challenges
• Technology ...
Infrastructure Issues

•   Connectivity
•   Power
•   IT infrastructure at kiosks
•   Backend IT infrastructure
•   Civil ...
Connectivity
•   Dial up       Availability of services
                  Reliability
•   Data Card
                  Redu...
Availability
• Coverage is poor in most
  areas

• ADC and USOF have not
  helped so far

• USOF towers are overkill

• Ba...
Power
•   Availability
•   Quality
•   Survey, Data
•   Solar
•   Gensets
•   UPS
•   Biofuels




                       ...
CSC IT
•   How much hardware?
•   Content, connectivity, computability
•   Scalability
•   Remote Management
•   Power eff...
SCA IT
•   How much hardware and software?
•   Service Oriented Architecture
•   Scalability, Availability
•   Integration...
CSC Civil
•   Wide spread geography
•   Time
•   Cost
•   Standardization
•   Branding
•   Attraction
•   In sync with com...
Human Resource
• 22473 VLEs
• 650 employees + teams of Wipro,
  Delloitte, Oracle & Intel
• Attitude
• Subsidy
• Bankabili...
Capital Issues
•   Appetite for risk
•   Project structuring
•   Phasing
•   Internal accruals
•   Leveraging
•   Tax effi...
Revenue Challenges
•   Everything looks good on paper
•   VLE needs to be a genius to do all this
•   Financial viability
...
Technology Risks
•   Obsolescence
•   Free broadband
•   Newer technologies
•   Competing models
•   Mobile governance
•  ...
Publicity & Capacity Building
•   Differing perspectives of different people
•   Publicity
•   Ownership
•   Department, D...
Politico-administrative Challenges
• New initiative by every new set of officers,
  by every new government, by new cartel...
Value
• Because of scale & expertise in
  infrastructure, SREI has been able to run
  down costs and meet these challenges...
MODEL OF THE SAHAJ CSC
Kiosk Anatomy
                                        • Laptops
                 SAHAJ
                                   ...
CSCs




       55
Operational Plan
•   About 4937 kiosks to be setup across 14 districts of rural
    Bengal, 5565 in Bihar, 2833 in Assam, ...
Publicity & Training




                       57
Architecture
Data Center




              59
Technical Solution & Transaction Monitoring
Sahaj Mitra Portal
       Sahaj Mitra Login

           Enter UserID
           Enter Password
           Click Login


  ...
Sahaj Mitra Portal




                 62
Sahaj Mitra Portal
       Profile Management

       My Messages
           Message from
           Sahaj Admin
          ...
Sahaj Mitra Portal
       Activate SKash Card



           Click on the link
           to activate your
           SKash...
Sahaj Mitra Portal
       SKash Card
           Activation

           Card Number will
           be same as VLE
        ...
Sahaj Mitra Portal
       SKash Card
           Activation

           Once SKash card
           is activated
           ...
Sahaj Mitra Portal
       SKash Card Details

           Once SKash card
           is activated
           successfully,
...
Sahaj Mitra Portal
       Recharge SKash
           Card

          Payment Mode
          could be of two
          types...
Sahaj Mitra Portal
       SKash Card
           Activation

           Once SKash card
           is activated
           ...
Sahaj Mitra Portal
       SKash Card
           Recharge

           Amount Charged
           will be shown
           he...
Sahaj Mitra Portal
       Transaction History
           No Transaction
           has been done by
           this VLE ye...
Sahaj Mitra Portal
       VLE Customer
           Registration

           In HOME page click
           on Customer
     ...
Sahaj Mitra Portal
       VLE Customer
           Registration

           VLE will help
           his/her customer to
  ...
Sahaj Mitra Portal
       VLE Customer
           Registration

           After successful
           creation of the
   ...
Sahaj Mitra Portal
       VLE Customer
           Registration

           It will show the
           total rate of the
 ...
Sahaj Mitra Portal
       VLE Customer
           Registration

           It will ask for the
           final confirmati...
Sahaj Mitra Portal
       VLE Customer
           Registration

           Click on
           Transaction History




   ...
Sahaj Mitra Portal
       Transaction History
           In HOME page click
           on Transaction
           History. ...
Sahaj Mitra Portal
       VLE Customer Login



           Now VLE customer
           has been
           registered. So ...
Sahaj Mitra Portal
       VLE Customer Page

          List of services will
          be displayed here.
          The se...
Sahaj Mitra Portal
       VLE Customer Page

          Click on Computer
          Education
          It will popup a new...
Sahaj Mitra Portal
       VLE Customer Page

          In Computer
          learning following
          things will be
 ...
Sahaj Mitra Portal
       VLE Customer Page

          Click on English
          Education.
          It will popup the
 ...
Sahaj Mitra Portal
       VLE Customer Page



          English Education
          screen will come up




             ...
Sahaj Mitra Portal
       VLE Customer Page

       Job Registration Form
            Click on Job
            Registratio...
Sahaj Mitra Portal
       VLE Home Page >>
           Service
           Catalogue

          Click on Service
          C...
Sahaj Mitra Portal
       VLE Home Page >>
           Service
           Catalogue

          List of services
          b...
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          In HOME page click
        ...
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance



          If VLE customer is a
    ...
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          If VLE customer is a
      ...
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          Select Lodge
          Grie...
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          Enter SKash card
          ...
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          Once payment
          made...
Sahaj Mitra Portal
       VLE Home Page >>
           Grievance Status

           Click on Grievance
           Status on...
Sahaj Mitra Portal
       VLE Home Page >>
           Grievance Status

           Enter Grievance no
           to track ...
Sahaj Mitra Portal
       VLE Home Page >>
           Grievance Status

           Current status of
           the Grieva...
Sahaj Mitra Portal
       VLE Home Page >>
           Add Service



          If VLE customer
          wants to have som...
Sahaj Mitra Portal
       VLE Home Page >>
           Add Service

          Added services will
          be displayed in...
Sahaj Mitra Portal
       VLE Home Page >>
           Govt. Form

          Govt. Form will be
          available here
  ...
Sahaj Mitra Portal
       VLE Home Page >>
           Govt. Form

          Short Description of
          each Govt. Form...
Sahaj Mitra Portal
       VLE Home
           Page>>Feedback

          In HOME page click
          on Give Feedback
    ...
Sahaj Mitra Portal
       VLE Home
           Page>>Feedback

          VLE/Customer can
          lodge their
          R...
Sahaj Mitra Portal
       VLE Home
           Page>>Update
           Profile

          VLE can update his
          pers...
Sahaj Mitra Portal
       VLE Home
           Page>>Update
           Profile

          Update existing
          informa...
Sahaj Mitra Portal
       VLE Home
           Page>>Update
           Profile

          Once successfully
          updat...
Sahaj Mitra Portal
       VLE Home
           Page>>Sahaj
           Mitra of the
           Month

           Based on so...
Sahaj Mitra Portal
       VLE Home
           Page>>Corporate
           Service
       Following corporate
            se...
Last mile connectivity
• Independent Last Mile Connectivity using
  WiFi 802.11b/g
• 512 kbps connectivity will be deliver...
Last Mile Diagram
FIRST FOUNDATION LAYING CEREMONY AT SINGUR
Kolkata
 Tower




          111
Going where no telco has gone before
Products & Services
 Facilitation – e-Governance services
 Information – Internet, Market rates, Weather forecast
 Educati...
Analysis of Opportunity for CSC
                                          INDIA          WEST BENGAL
Population (July 2007...
Rural Economy in Bengal
Particulars                               Percentages Rs Crore
Estimated SGDP in the year 05-06   ...
Estimated Savings Use
Particulars             Amount in Rs Crore      Percentage
Total Estimated Gross                3543...
Creating
tomorrow……
tomorrow……
Sahaj Cs Cs3
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Sahaj Cs Cs3

  1. 1. INFR VISION 1 Corporate Profile
  2. 2. Vision To be the most inspiring global infrastructure financial institution Mission To be an Indian multinational company providing innovative infrastructure financial solutions with focus on equipment, projects and renewable energy 2
  3. 3. SREI corporate milestones • 1989 identified infrastructure sector as its core business & started operations • 1992 got listed on Bombay and Calcutta Stock Exchanges • 1995 got listed on National Stock Exchange • 1997 IFC, FMO and DEG invested as strategic equity partners • 2002 Promoted India’s first Equipment bank - Quipo • 2005 became the 1st Indian NBFC to be listed on the London Stock Exchange • 2006 Geographical expansion into Russia • 2007 JV with BNP Paribas Lease Group, 100% subsidiary of BNP Paribas 3
  4. 4. SREI’ SREI’s achievements Rs 62 bn (USD 1.52 bn) of mn) Rs 9.10 bn (USD 222 mn) assets under management by funds under management by SREI Venture capital Rs 297 bn (USD 7.24 bn) Rs 9.66 bn (USD 235 under Infrastructure Advisory mn) mn) IPO Mandates being managed by Investment Banking Rs 1092 mn (USD 26.63 mn) Rs 7.10 bn (USD 173 mn) mn) of Total Assets in Zao Srei of assets in Quipo Leasing, Russia 4
  5. 5. Shareholding pattern Foreign Holding 49.95% GDRs Pvt Corp Bodies 0.60% FIIs 49.11% Indian Public 10.81 NRIs/OCBs Foreign 0.24% 11.78 Holding 49.95 Banks/Mutual 7.36% Funds Promoters Group 20.10% Indian Public 11.78% 20.1 Promoters’ Pvt Corp bodies 10.81% Holding 7.36 Banks/ MF **as on 30TH September 2007 Listed on the Bombay, National, Calcutta and London Stock Exchange 5
  6. 6. SREI – Board of Directors Name Previous experience M. S. Verma, Chairman • Chairman & MD, State Bank of India, • Chairman, TRAI Salil K. Gupta, Chief Mentor • Chairman, West Bengal Industrial Development Corp. • President, Institute of Chartered Accountants of India Hemant Kanoria, Vice Chairman & Managing • President, Calcutta Chamber of Commerce Director • Chairman, CII (ER) Infrastructure B. Swaminathan, Nominee Director, IREDA • Director ( Finance) Coal India Ltd. • Joint Secretary, Ministry of Finance, GoI R. Sankaran, Director • Partner, Arthur Andersen V. H. Pandya, Director • Senior Executive Director, SEBI • Director, GIC Asset Management and Reliance Capital S. Rajagopal, Director • CMD, Bank of India & Indian Bank Sunil Kanoria, Director • Chairman & Managing Director, Quipo Infrastructure Equipment Ltd. Saud Siddique, Director • Former IFC East Asia head having vast experience in infrastructure sector S. Chatterjee, Whole time Director • Executive Director, UTI Bank P. K. Pandey, Executive Director • Chartered Accountant, having vast experience in infrastructure sector K. K. Mohanty, Executive Director • Engineer, having vast experience in financial sector 6
  7. 7. International institutional stakeholders 7
  8. 8. Our Presence Headquartered at Kolkata, we have pan India presence with a network of 51 offices and with transnational footprints in the Russian Federation and Germany Head Office 1 Overseas offices in Russia 3 Regional Offices 9 Branch & Field Offices 41 8
  9. 9. Our infrastructure value chain Customers Equipment Project Advisory Venture Funds •Equipment Equipment Project Financing: Project Financing Equity • Debt, Conceptualisation •Asset Insurance Asset • Equity & Project Monitoring Mezzanine • Mezzanine Fund Mobilisation Equipment Rental Project Investment Valuation & Development Banking Debt Disposal 9
  10. 10. Infrastructure Insurance Broking Equipment Construction, Mining, Oil & Gas, Non Life, Reinsurance & Life Power, Ports, Telecom, Railways, Insurance Services Aviation & Renewable Energy 10
  11. 11. Infrastructure Infrastructure Infrastructure Financing Advisory Development • Infrastructure Projects • Project Conceptualization • Roads, Power,Ports, • Debt • Project Structuring Urban Infrastructure, • Equity • Project Monitoring Airports & Mass Rapid • Mezzanine • Fund Mobilisation Transit System (MRTS) • Large ticket infrastructure • Advisory Services equipment 11
  12. 12. Investment Banking Venture Capital • IPOs / Public Offerings • Equity • Debt & Equity Placement including Off • Mezzanine Shore Funding • Debt • Merger & Acquisitions 12
  13. 13. STRATEGIC BUSINESS Bank- Equipment Bank- SREI Sahaj e-e- ZAO SREI Leasing, Quipo Village Limited Russia • Construction Common service centre • Equipment Financing for • Oil & gas providing • e-governance Roads, Power,Ports, • Telecom • Energy Rental • e – commerce Mining & Airports • Asset Valuation & Disposal • e- learning facilities 13
  14. 14. Market leader in equipment finance Others GE Capital SREI 6% 11% 30% ABN Amro 7% HDFC Bank ICICI Bank Citicorp 9% 23% 14% Source: SREI Estimates 14
  15. 15. Infrastructure Project: Financing Roads Power Ports • Participation at • Financing • Equipment linked project small/medium size Project Financing development stage projects with low • Financing of select gestation period • Strategic alliance shipping lines/ with select • Structured coastal operations companies with financing of Wind • Project structuring upside potential Turbine Generators and debt financing/ (WTG) • Project Debt syndication Financing • Captive Power projects (CPP) on • Equipment linked selective basis Financing • Mega power projects – syndications / financing 15
  16. 16. Infrastructure Project: Financing Railways Aviation Shipping • Equipment linked • Hypothecated • Hypothecated Project Financing Finance of aircrafts Finance • Debt Financing • Asset financing to • Financing of under Wagon Airlines and coastal operators Investment aviation service • Structured Schemes (WIS) / operators financing of oil Container • Letter of Credit tankers Investment Schemes (CIS) schemes of Indian Railways • Tie up with the major wagon manufactures 16
  17. 17. Equipment Bank: Quipo Domestic International Equipment Equipment Manufacturers Manufacturers Equipment Knowledge Applications Equipment Bank Equipment Information Operations Training Maintenance Crew Idle Equipments Construction Companies Other Equipment Owners 17
  18. 18. Quipo World Quipo Quipo Quipo Quipo Valuation & Construction Oil & Gas Telecom Energy Rental Asset Disposal •Provides trained, •Provides state-of •Provides complete •Rents eco-friendly •Provides plant & qualified & the-art drilling “Plug-n-Play” gas based power machinery experienced equipment service for service solutions for short valuation operators along •Provides trained, operators to medium terms. •Provides online, with the equipment qualified & •Holding IP1 •Each modular unit offline auctioning & •On-site repairs & experienced license for Passive is of 600 KW – disposal service for maintenance operators Infrastructure 1300 KW housed plant & machinery •Bid support and •Provides advisory Services in to rugged •Only Indian Advisory services services for •Only Indian containers. company focused on equipment equipment company with •Provides power on valuation & suitability for each suitability & successful on- plants up to 10 disposal of plant & requirement equipment ground experience MW using number machinery •Provides OEM & purchase in Tower Rental & of these units. Quality in-house Co-location •Provides gas maintenance of based combined equipment heat solutions India’s 1st Equipment India’s 1st Integrated India’s 1st Tower India’s 1st Energy India’s 1st Rental Company Rig Rental Services Rental Rental Comprehensive Equipment & Industrial Valuer 18
  19. 19. Financial highlights HY FY 08 USD Million FY04 FY05 FY06 FY07 (Sept ’07) Total Income 28.21 31.69 55.42 97.57 66.43 PAT 4.98 6.90 11.80 19.32 14.11 71.10 PAT Growth YoY 39.90% 38.45% % 63.67% 77.24% EPS (Rs.) 3.84 5.31 4.44 7.20 4.85* Dividend Rate 15% 15% 16.5% 10% - Total Capital 54.72 59.74 119.55 149.38 181.62 Book Value (Rs.) 26.75 30.51 37.14 44.32 48.08 Capital Adequacy Ratio 18.48 16.15 19.75 14.04 14.9 Disbursements 261.78 392.67 605.06 1049.87 711 Total Assets under Mgmt. 447.50 510.27 827.56 1239.64 1526.27 * Not Annualized 19
  20. 20. Strong balance sheet USD Million FY04 FY05 FY06 FY07 Share Capital 13.03 13.03 26.60 26.60 Reserves & Surplus 22.25 26.94 73.51 92.64 Mezzanine Capital 19.43 19.75 19.42 30.13 Total Capital 54.72 59.74 119.55 149.38 Total Debt 177.60 220.61 393.83 775.60 Total 232.32 280.35 513.39 925.00 Net Block 4.08 4.34 54.57 106.00 Investments 5.73 12.07 25.33 35.71 Current Assets 253.13 270.38 449.54 795.08 Loans & Advances 16.05 17.43 20.51 41.76 Total Assets 279.00 304.23 549.96 978.62 Less : Current Liabilities 47.19 24.20 38.02 55.12 Misc. Expenditure 0.51 0.32 1.45 1.48 Total 232.32 280.35 513.39 925.00 20
  21. 21. Ratio Analysis FY04 FY05 FY06 FY07 Return on Average Net worth 14.97 18.55 17.08 17.86 % % % % Return on Average Equity 38.24 52.95 59.58 72.65 % % % % Return on Average Assets 1.85% 2.37% 2.77% 2.53% Net Interest. Margin / Average Total 4.51% 6.03% 6.74% 5.67% Assets Interest Expenses / Interest Income 55.71 43.87 48.58 55.74 % % % % Price Earning Ratio 3.14 9.76 13.72 13.61 Price to Book Value 0.45 1.70 1.64 1.08 Dividend Payout 44.18 31.98 42.34 16.08 % % % % Dividend Yield 12.47 2.90% 2.70% 2.08% % Debt Equity Ratio 5.67 6.06 4.19 6.84 21
  22. 22. SAHAJ ICT Business Integrator 22
  23. 23. What can be Using Information Technology to transform India Common Service Centers as vehicles for rural inclusion 23
  24. 24. COMMON MAN Reaching the last man AWARENESS ACCESS AFFORDABILITY ACCEPTABILITY CONTENT CONNECTIVITY COMPUTABILITY EDUCATION HEALTH EMPOWERMENT LIVELIHOOD 24
  25. 25. Delivery Channels Common Service Centers: Reaching out to all 25
  26. 26. COMMON SERVICE CENTRES • Under the National e-governance plan of Govt. of India, which was announced by Dr. Manmohan Singh, Hon’ble Prime Minister of India on 15th August, 2005, Implementation of Common Service Centres (CSCs) is the most important event of the four pillars of the NeGP. These Common Services Centres (CSCs) will become Hubs or Community Centres for the delivering all e-governance and other services to the rural people. 26
  27. 27. CSC Project salient features • 100,000 CSCs will be established all over India • These will be set up in PPP mode on BOO basis • These CSCs will be the delivery points of all Govt services • Private Partner can use these centres to sell any other service / product • Govt will give a minimum revenue support for G2C services • Profits from other business (eg B2B or B2C services) is for the SCA (Service Center Agency -the private partner) • The selection of the SCA is done through a three stage transparent bidding process 27
  28. 28. Current Status • SREI-Wipro consortium has 22,473 CSCs • Our network will cater to 18.98 crore population of India in five states – West Bengal, Bihar, Uttar Pradesh, Tamil Nadu and Assam • Largest ICT based chain • Roll out has started in Hugli District • We completed our back end work by October end (7 months) • Data Center is up, portal is up, wireless network is being rolled out in tandem with CSCs • Operation rollout began in November • 100 centres up and a target of 1000 by each month end 28
  29. 29. BENEFITS OF COMMON SERVICE CENTRES • Creating Entrepreneurs – 22473 businesses created in the beginning itself • Bridging the Digital Divide • Government at the doorsteps of people • Access to all services available in urban areas • Access to rural markets • Usable education
  30. 30. SAHAJ USP • Largest ICT based network with 22473 Centres catering to 19 crores of India’s population • Network as monopoly. Barriers to entry for others. • Huge community support. Government & Local Bodies’ support in servicing people • Custom made & state of the art infrastructure with complete automation 30
  31. 31. • Positioning itself as a Business Integrator • Integrating across IT and Infrastructure • Making CSCs work beyond ribbon cutting • Making technology simpler and affordable
  32. 32. Partnerships • Wipro – IT Partner • Oracle – IT Software Infrastructure Partner • Intel – World Ahead Alliance • Red Hat – Open Source Partner • SmartBridges – Connectivity Partner • PWC – eGovernance partner for West Bengal • Delloitte – eGovernance partner for Bihar
  33. 33. Business Logic • To access various services, a villager has to go to the block headquarter or other nearest town. He loses his daily wage and incurs transportation costs to access services, even if they are free. • Service delivery is not assured • Non-availability of many products & services • Shared Access Model • Aggregation of services and delivery through a kiosk based in his community, allows delivery at minimal costs and time.
  34. 34. Existing Models Number of Project Authority Location centres Revenue 1 BELLANDUR GRAM PANCHAYAT Karnataka 1 Rs 25million per annum 2 MYRADA KARNATAKA 1 Rs 750/month 3 TATA CONSULTANCY SERVICES ANDHRA PRADESH 1327 Rs 3000/month 4 GYANDOOT SAMITI MADHYA PRADESH 35 Rs.4375/month 5 16 HEWLETT PACKARD ANDHRA PRADESH Rs 14000/month (incl 3 mobile vans) 6 ITC MP, UP, AP, KARN, RAJ 5500 Rs 15000/month 7 M.S.SWAMINATHAN RESEARCH PONDICHERRY 12 Rs 1500/month FOUNDATION 8 n-Logue communication TN, MP,MAH, GUJ,MP 2000 Rs. 4000 - 20000/month 9 WARNA VIBHAG SHIKSHAN MAHARASTRA 54 Rs 34 million per annum MANDAL Source: Asia Pacific Research Centre, Stanford University, Nov 2005 35
  35. 35. LIMITATIONS IN THE EARLIER SCENARIO 1.Lack of sufficient variety of services 2.Lack of economies to capture & cater to mass population 3.No aggregation of content & services 4.Lack of awareness of potential of rural markets among other private investors 5.Top down delivery of services, hence not catering to citizen specific requirements 6. Non-integration of private and government initiatives 7. Unreliability of connectivity, power or service delivery 36
  36. 36. Common Service Centres Challenges Unlimited 37
  37. 37. Challenges • Infrastructure challenges • Human Resource challenges • Capital challenges • Revenue challenges • Technology challenges • Publicity & Change Management challenges • Politico-administrative challenges 38
  38. 38. Infrastructure Issues • Connectivity • Power • IT infrastructure at kiosks • Backend IT infrastructure • Civil infrastructure at kiosks 39
  39. 39. Connectivity • Dial up Availability of services Reliability • Data Card Redundancy • Broad Band Bandwidth available • GPRS / CDMA Spectrum issues • CorDect Capital expenditure • VSAT Recurring expenditure • WiLD Availability of equipment • Wi-Fi • Wimax 40
  40. 40. Availability • Coverage is poor in most areas • ADC and USOF have not helped so far • USOF towers are overkill • Bandwidth low in GPRS, CorDect etc • Wimax not yet commercial • VSAT recurring exp too high • Patchwork not reliable 41
  41. 41. Power • Availability • Quality • Survey, Data • Solar • Gensets • UPS • Biofuels 42
  42. 42. CSC IT • How much hardware? • Content, connectivity, computability • Scalability • Remote Management • Power efficiency • Capital Expenditure • OS • Language and localization 43
  43. 43. SCA IT • How much hardware and software? • Service Oriented Architecture • Scalability, Availability • Integration • Portal • Security 44
  44. 44. CSC Civil • Wide spread geography • Time • Cost • Standardization • Branding • Attraction • In sync with communities? Rural? Ethnic? 45
  45. 45. Human Resource • 22473 VLEs • 650 employees + teams of Wipro, Delloitte, Oracle & Intel • Attitude • Subsidy • Bankability • Trainability • Training issues 46
  46. 46. Capital Issues • Appetite for risk • Project structuring • Phasing • Internal accruals • Leveraging • Tax efficiency / sops 47
  47. 47. Revenue Challenges • Everything looks good on paper • VLE needs to be a genius to do all this • Financial viability • Scalability • Replicability • Ease of training • Cash handling issues 48
  48. 48. Technology Risks • Obsolescence • Free broadband • Newer technologies • Competing models • Mobile governance • Who moved my cheese 49
  49. 49. Publicity & Capacity Building • Differing perspectives of different people • Publicity • Ownership • Department, District Admin & Local Admin sensitization • Varied interests of intermediaries • Logical Framework & Results Based Management • Training infrastructure • Costs 50
  50. 50. Politico-administrative Challenges • New initiative by every new set of officers, by every new government, by new cartels • Our people/their people • M-Governance • USOF • E-Districts • Local resistance 51
  51. 51. Value • Because of scale & expertise in infrastructure, SREI has been able to run down costs and meet these challenges • Need to give value to each customer – Government, Citizens, Service Providers • The best teams will be harnessed to set up one of the largest networks 52
  52. 52. MODEL OF THE SAHAJ CSC
  53. 53. Kiosk Anatomy • Laptops SAHAJ • Peripherals • Brand Space • Power Supply • Wi-Fi (CPE) 7 • Printers (Multi Functional Device) etc • Each CSC to be financed to the Franchisee. • One kiosk to be set up per 6 villages addressing about 9437population • To be located in the market place, Block offices, gram panchayat office etc • Biometrics and smart card readers can be attached
  54. 54. CSCs 55
  55. 55. Operational Plan • About 4937 kiosks to be setup across 14 districts of rural Bengal, 5565 in Bihar, 2833 in Assam, 1045 in Tamil Nadu & 8118 in Uttar Pradesh. • The ratio of setup shall be 1 kiosk for every 6 villages or as may be required after detailed survey. • Each kiosk shall be under the responsibility of a Village level entrepreneur (VLE) to be selected through standard norms. • The capital expenditure of the Kiosk (about Rs 133K) shall be borne by the entrepreneur. The cost of the infrastructure is about Rs 250 K in the market • Finance facility would be extended to the entrepreneur for availing Kiosk assets.
  56. 56. Publicity & Training 57
  57. 57. Architecture
  58. 58. Data Center 59
  59. 59. Technical Solution & Transaction Monitoring
  60. 60. Sahaj Mitra Portal Sahaj Mitra Login Enter UserID Enter Password Click Login Help Line Call Helpline Send mail to support Call to mobile for support Call Headquarter 61
  61. 61. Sahaj Mitra Portal 62
  62. 62. Sahaj Mitra Portal Profile Management My Messages Message from Sahaj Admin Message from other VLEs Update Profile Change your personal information Change Password 63
  63. 63. Sahaj Mitra Portal Activate SKash Card Click on the link to activate your SKash card 64
  64. 64. Sahaj Mitra Portal SKash Card Activation Card Number will be same as VLE ID PIN 4 digit number Confirmation of the PIN Remember this PIN. For any paid service you need to put your card number and PIN 65
  65. 65. Sahaj Mitra Portal SKash Card Activation Once SKash card is activated successfully, VLE can use the card number to avail any paid services SKash Card Details info will be shown in the Home Page. 66
  66. 66. Sahaj Mitra Portal SKash Card Details Once SKash card is activated successfully, SKash Card Details info will be shown in the Home Page. Initial Balance will be displayed there. Card can be recharged by clicking Recharge link (Red) Transaction History could be displayed for the VLE (Blue) 67
  67. 67. Sahaj Mitra Portal Recharge SKash Card Payment Mode could be of two types – 1. ECS transaction and 2. Demand Draft Transaction number or Demand Draft number needs to be entered Amount needs to be given 68
  68. 68. Sahaj Mitra Portal SKash Card Activation Once SKash card is activated successfully, VLE can use the card number to avail any paid services SKash Card Details info will be shown in the Home Page. 69
  69. 69. Sahaj Mitra Portal SKash Card Recharge Amount Charged will be shown here Remaining Balance will be increased once it is recharged Transaction History Click on the Transaction History to see the transactions done by VLE 70
  70. 70. Sahaj Mitra Portal Transaction History No Transaction has been done by this VLE yet. So No record is coming Now one transaction needs to be done so that records could be displayed here 71
  71. 71. Sahaj Mitra Portal VLE Customer Registration In HOME page click on Customer Registration. This customer is VLE’s customer/Villagers. 72
  72. 72. Sahaj Mitra Portal VLE Customer Registration VLE will help his/her customer to fill up the forms and get him registered Mandatory fields are marked as red star Once the form is filled up terms and conditions agreement needs to be accepted Click on Continue 73
  73. 73. Sahaj Mitra Portal VLE Customer Registration After successful creation of the account it will show the select service page. List of services will be displayed here along with the rates Multiple services could be chosen This step could be skipped as well Click continue 74
  74. 74. Sahaj Mitra Portal VLE Customer Registration It will show the total rate of the selected services SKash card details need to be provided Card number will be same as VLE ID PIN needs to be entered twice Click Submit 75
  75. 75. Sahaj Mitra Portal VLE Customer Registration It will ask for the final confirmation before deducting the money from SKash Card account Click Confirm Once done go back to the home page and check Transaction History link 76
  76. 76. Sahaj Mitra Portal VLE Customer Registration Click on Transaction History 77
  77. 77. Sahaj Mitra Portal Transaction History In HOME page click on Transaction History. All the transactions done by the VLE in a given date range will be displayed. 78
  78. 78. Sahaj Mitra Portal VLE Customer Login Now VLE customer has been registered. So he can login into the system using his ID and password 79
  79. 79. Sahaj Mitra Portal VLE Customer Page List of services will be displayed here. The services for which payment has been made, will be ticked. Services not selected by the customer during registration will be crossed. 80
  80. 80. Sahaj Mitra Portal VLE Customer Page Click on Computer Education It will popup a new window where Basic Computer Education will be started. 81
  81. 81. Sahaj Mitra Portal VLE Customer Page In Computer learning following things will be available Linux Office Windows Internet 82
  82. 82. Sahaj Mitra Portal VLE Customer Page Click on English Education. It will popup the English education portal Login into it. (This login will be removed later) 83
  83. 83. Sahaj Mitra Portal VLE Customer Page English Education screen will come up 84
  84. 84. Sahaj Mitra Portal VLE Customer Page Job Registration Form Click on Job Registration Page Enter the details Save 85
  85. 85. Sahaj Mitra Portal VLE Home Page >> Service Catalogue Click on Service Catalogue link 86
  86. 86. Sahaj Mitra Portal VLE Home Page >> Service Catalogue List of services both free and paid will be displayed Rate will be given in the list for paid services 87
  87. 87. Sahaj Mitra Portal VLE Home Page >> Register Grievance In HOME page click on Register Grievance Page. VLE Customer can lodge his grievance and send it to any govt dept. It is a paid service 88
  88. 88. Sahaj Mitra Portal VLE Home Page >> Register Grievance If VLE customer is a registered user, he can select Registered User radio button and enter his ID. Click on Lodge Grievance 89
  89. 89. Sahaj Mitra Portal VLE Home Page >> Register Grievance If VLE customer is a registered user, his existing personal information will be auto populated Grievance details could be given here Click Submit 90
  90. 90. Sahaj Mitra Portal VLE Home Page >> Register Grievance Select Lodge Grievance and make payment for it 91
  91. 91. Sahaj Mitra Portal VLE Home Page >> Register Grievance Enter SKash card number and PIN here. Click Confirm 92
  92. 92. Sahaj Mitra Portal VLE Home Page >> Register Grievance Once payment made it will generate a receipt with unique grievance ID Grievance could be tracked later using this ID. VLE can give a printout to the customer 93
  93. 93. Sahaj Mitra Portal VLE Home Page >> Grievance Status Click on Grievance Status on home page 94
  94. 94. Sahaj Mitra Portal VLE Home Page >> Grievance Status Enter Grievance no to track the grievance already lodged Click on Check Status 95
  95. 95. Sahaj Mitra Portal VLE Home Page >> Grievance Status Current status of the Grievance will be shown in this page 96
  96. 96. Sahaj Mitra Portal VLE Home Page >> Add Service If VLE customer wants to have some more add services which he didn’t select during his registration, ADD Service link needs to be clicked 97
  97. 97. Sahaj Mitra Portal VLE Home Page >> Add Service Added services will be displayed in VLE Customers Home Page. 98
  98. 98. Sahaj Mitra Portal VLE Home Page >> Govt. Form Govt. Form will be available here Click any of the Govt Form link 99
  99. 99. Sahaj Mitra Portal VLE Home Page >> Govt. Form Short Description of each Govt. Form will be displayed here You can take the printout of the forms. 100
  100. 100. Sahaj Mitra Portal VLE Home Page>>Feedback In HOME page click on Give Feedback link. 101
  101. 101. Sahaj Mitra Portal VLE Home Page>>Feedback VLE/Customer can lodge their Request/Feedback/ Complain or Suggestion to Sahaj 102
  102. 102. Sahaj Mitra Portal VLE Home Page>>Update Profile VLE can update his personal information by clicking Update Profile 103
  103. 103. Sahaj Mitra Portal VLE Home Page>>Update Profile Update existing information and click on Update button. 104
  104. 104. Sahaj Mitra Portal VLE Home Page>>Update Profile Once successfully updated it will show the message. 105
  105. 105. Sahaj Mitra Portal VLE Home Page>>Sahaj Mitra of the Month Based on some criteria VLE of the month will be selected by Sahaj Admin. The name will be displayed in VLE portal for the entire month 106
  106. 106. Sahaj Mitra Portal VLE Home Page>>Corporate Service Following corporate service will be added to the VLE Portal Services from ICICI Prudential BSNL Railway Ticketing Rural PCs from Intel Berger Paints – storehouse in kiosk Wipro pheripherals 107
  107. 107. Last mile connectivity • Independent Last Mile Connectivity using WiFi 802.11b/g • 512 kbps connectivity will be delivered at each CSC • smartBridges is the network partner • This network will enable IPTV, VoIP and IPBX and so meet Bharat Nirman targets
  108. 108. Last Mile Diagram
  109. 109. FIRST FOUNDATION LAYING CEREMONY AT SINGUR
  110. 110. Kolkata Tower 111
  111. 111. Going where no telco has gone before
  112. 112. Products & Services Facilitation – e-Governance services Information – Internet, Market rates, Weather forecast Education – Spoken English, Computer Literacy, Typewriting Communication – VoIP, Video Chat, e-mail Empowerment – Job Portal, RTI, Grievance, Microfinance, Insurance Services – Photography, DTP, Matrimonial, Railway reservations, Tele-agri-diagnostics Entertainment – Games, Multimedia Bill Payments – Electricity, telephone, mobile recharge B2B services- data entry, rural BPO, promotions
  113. 113. Analysis of Opportunity for CSC INDIA WEST BENGAL Population (July 2007 est) 1129866154 88414796 Rural Population 815983360 63632120 GDP (Credit Suisse) 1Trillion US $ Rs 4100000 Crores Rs 231355 crores Rural GDP (50.88%) Rs 2086080 crores Rs 117713 crores Per capita Income Rs 36287 Rs 26167 Rural Per Capita Income Rs 25565 Rs 18498 Annual Expenditure on services (30%) Rs 10886 Rs 7850 Annual Rural Expenditure on services (30%) Rs 7669 Rs 5549 Rural Expenditure on services per month Rs 639 Rs 462 Population per CSC 8159 9361 Opportunity per CSC Rs 5213601 Rs 4324782 Opportunity for private services 1.0%. Rs 52136 Rs 43248 114
  114. 114. Rural Economy in Bengal Particulars Percentages Rs Crore Estimated SGDP in the year 05-06 231355.02 Gross Household Savings 30.10% 69637.86 Net Household Savings( loans adj) 24.52% 56726.29 Contribution by Rural Sector 50.88% 117713.44 Agri Income 41.67% 49051.19 Non Agri Income 58.33% 68662.25 Gross Household Savings (rural) 30.10% 35431.74 Net Household Savings Rural (loans adj) 24.52% 28862.85 Physical Savings 38.90% 13782.07 Net Financial Savings 42.56% 15078.58 Gross Savings per CSC per month INR 4344041.00 115
  115. 115. Estimated Savings Use Particulars Amount in Rs Crore Percentage Total Estimated Gross 35431.74 100.00 Savings Small Savings 4864.45 13.73 Bank Deposits 1008.51 2.85 Insurance 3112.52 8.78 Currency 2261.79 6.38 Physical Assets 13782.07 38.90 Others 10402.40 29.36 Insurance/CSC/month 381604.00 INR Target (INR) 76320 20 Commission 15264 20 116
  116. 116. Creating tomorrow…… tomorrow……

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