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  1. 1. Welcome to Apna Paisa
  2. 2. <ul><li>Indian Online industry </li></ul><ul><li>ApnaPaisa - A great platform </li></ul><ul><li>ApnaPaisa Team </li></ul><ul><li>Preferred Destination – Statistics </li></ul><ul><li>Reach </li></ul><ul><li>Product Offerings </li></ul><ul><li>Customers Speak </li></ul>Roadmap
  3. 3. Indian Online Industry <ul><ul><li>Internet users in urban India totaled more than 50 million in 2008 </li></ul></ul><ul><ul><li>Home Internet usage in India is on the rise </li></ul></ul><ul><ul><li>More than 50% of Internet users come from Top 10 cities </li></ul></ul>Why Online?? <ul><li>More options to fulfill needs </li></ul><ul><li>Saves time </li></ul><ul><li>Convenient </li></ul><ul><li>Empowers with expert knowledge, to make informed decisions </li></ul>
  4. 4. Who we are
  5. 5. ApnaPaisa <ul><ul><li>Apnapaisa Pvt. Ltd is India’s first and largest personal finance supermarket </li></ul></ul><ul><ul><li>The company run is the pioneer and largest market place for loans and credit cards </li></ul></ul><ul><ul><li>The Company has recently launched, a comprehensive guide to insurance in India </li></ul></ul><ul><ul><li>Over 1 million consumers have acquired loan, credit card and insurance products through Apnaloan and Apnaisnurance </li></ul></ul>
  6. 6. <ul><ul><li>Active relationships with major banks, insurance companies and more than 500 DSAs /Agents </li></ul></ul><ul><ul><li>ApnaPaisa provides specialised services like EMI Calculator, eligibility calculator, loan and insurance comparators, industry insights etc. </li></ul></ul><ul><ul><li>ApnaPaisa is a perfect application platform for products like Personal Loan, Home Loan, Car Loan, Education Loan, Credit Card, Health Insurance, Car Insurance, Life Insurance, etc. </li></ul></ul><ul><ul><li>12x6 specialized Contact Centre, to ensure better customer experience and satisfaction </li></ul></ul>ApnaPaisa
  7. 7. <ul><li>Board consists of </li></ul><ul><ul><li>G N Bajpai – Ex- Chairman, LIC and SEBI </li></ul></ul><ul><ul><li>R Ramaraj – Founder CEO and Ex- MD, </li></ul></ul><ul><ul><li>KP Balaraj – MD of Sequoia Capital, Sequoia Capital India has been formed with West Bridge Capital Partners which Balaraj co-founded in 2000 </li></ul></ul><ul><ul><li>B Kasi Viswanthan – Retail banking expert, with over 15 years of retail finance experience </li></ul></ul><ul><ul><li>Harsh Roongta – Founder and CEO, is one of India's foremost personal finance experts </li></ul></ul>ApnaPaisa Team
  8. 8. ApnaPaisa @ Google Ad Planner and feature in top three websites recommended by Google in their ad planner for advertisers targeting customers from personal finance industry
  9. 9. ApnaPaisa - Preferred destination of Loan & Insurance seekers 320,093 : No. of Visitors on 1,507,176 : Page views 245,292 : Absolute unique visitors 73.22% : New visits 271,853 : No. of Indian visitors (85%) 44,087 : NRI visitors Above data is from 1 st August 2008 to 15 th October 2008 114,256 : No. of Visitors on 700,376 : Page views 100,113 : Absolute unique visitors 86.01% : New visits 110,545 : No. of Indian visitors (97%) 3,711 : NRI visitors Above data is from 1 st August 2008 to 15 th October 2008
  10. 10. Our Esteemed Clients
  11. 11. GEOGRAPHIC BREAK-UP INDIA REACH TOP 7 CITIES: 80% B TOWNS: 16% C TOWNS: 3% SALARIED : 77% SELF EMPLOYED: 23% OCCUPATION HIGH INCOME: 37% (ABOVE Rs.25000 pm) MID INCOME: 30% (ABOVE Rs.15000 pm) LOW INCOME: 24% (BELOW Rs.8000 pm) AVG INCOME: 9% (Rs.8000 pm) INCOME PER MONTH INDIA: 90% NRI: 10% ApnaPaisa Reach * Geographic Reach to 108 countries
  12. 12. Product Offerings
  13. 13. Product Offerings @ ApnaPaisa Product Offerings Loans Insurance Real Estate
  14. 14. <ul><li>Business Solutions </li></ul><ul><li>Leads </li></ul><ul><li>Listings </li></ul>
  15. 15. Leads-Benefits DIRECT CONTACT WITH CONSUMER We can bring the actual consumer in direct contact with you through real time conference call Consumer ApnaPaisa Lender/Insurance Company DATA SCREENING We confirm the data over telephone and also get additional relevant data NO PUSH Loan / Insurance seekers approach / and independently submit their details REAL TIME LEADS All leads are dispatched on real time basis
  16. 16. Flow of Leads @ ApnaPaisa CONSUMER VISITS WWW.APNALOAN.COM / WWW.APNAINSURANCE.COM / They apply, register & give details about themselves & their needs Instant Email SMS Online Login 10 MINUTE RESPONSE Within 10 Minutes of registration, apnapaisa calls to crosscheck & get more details REAL TIME LEAD FORWARDING Selected profiles are immediately made available to Agents/DSAs CALL RECORDING We record all the calls at this stage, to avoid any NDNC issue
  17. 17. Competitive Advantage Yes  No No Focused Medium Yes  No No Immediate contact with the customer Features Telephone based leads Internet Based Lead ApnaPaisa Assurance on Contactability To some extent No Yes  Phone call to every consumer before referring No No Yes  Affordability Yes Yes Yes  Uniform Pricing No No Yes  NDNC Guarantee Maybe No Yes 
  18. 18. <ul><ul><li>Brings customers close to you </li></ul></ul><ul><ul><li>Listing model enables serious customers to reach you when they need you. It gives competitive edge by making your presence felt and capturing customer mind space </li></ul></ul><ul><ul><li>Available 24 Hours a day and 7 days a Week </li></ul></ul><ul><ul><li>The internet is always &quot;on&quot; so your future clients will be able to find you no matter where they are or what time it is </li></ul></ul><ul><ul><li>Varied Listing Options </li></ul></ul><ul><ul><li>We have several listing packages in different price ranges and for different durations </li></ul></ul><ul><ul><li>Effective Representation </li></ul></ul><ul><ul><li>Our website has visitors from all around the world and is the first website of its kind aimed to increase your business. </li></ul></ul>Listing-Benefits
  19. 19. Step 1 : Customer fills the search parameters and clicks on “search” link on the homepage Listing Process
  20. 20. Step 2 : Search results matching the criteria appears. Customer clicks on the “details” link to view the complete details of short listed options Listing Process
  21. 21. Step 3 : Details like name, contact number, email id, product, bank / insurance company representing etc. appears Listing Process
  22. 22. Competitive Advantage Sharply focused  City specific Reach Features Print Media ApnaPaisa Detailed product information NO Yes  Space Constraint Yes No  Contextuality No Yes 
  23. 23. Real Estate
  24. 24. <ul><ul><li>Customers who have not identified the property </li></ul></ul><ul><ul><li>Screening of lead once customer enters his details </li></ul></ul><ul><ul><li>Advertisement and guaranteed response from us </li></ul></ul><ul><ul><li>Leads forwarded after confirming with the customer </li></ul></ul>Real Estate - Benefits
  25. 25. Real Estate Branding @ ApnaPaisa Home page Real Estate Qualified Leads Micro site
  26. 26. Real Estate - Qualified Lead Flow Home loan customer visits Apnaloan Identifying Needs of customer Leads forwarded To Real estate companies by SMS & E-MAIL Check the interest level of being Referred to Real Estate Customers who have not identified the property
  27. 27. Micro site Flow Step 1 : Customer clicks on “Home Loan” tab on the homepage.
  28. 28. Micro site Flow Step 2 : On the Home Loan page, Customer clicks on the “Search Property link” .
  29. 29. Micro site Flow Step 3 : Customer fills the search parameters and clicks on “Search” button
  30. 30. Step 4 : Customer is shown a list of property developers with details like developer name, units and locality. The customer clicks on logo of desired developer Micro site Flow
  31. 31. Micro site Flow Step 5 : Customer is taken to the MICROSITE of the property developer where property details with visuals are displayed
  32. 32. Competitive Advantage Features Traditional Media ApnaPaisa Detailed product information NO Yes  Product Display No Yes  Contextuality No Yes  Reach City specific Sharply Focused 
  33. 33. “ Its been close to two months since we began an association with Apnaloan through you and I must say that we are quite satisfied with the quality of leads and more than satisfied with the kind of sales support that you have offered during this period by periodically interacting with us pro-actively and solving any issue. The proactive support of yours has made us look at increasing the package…” - G Sridhar, Quantum Marketing “ It is a pleasure having association with Apnaloan. It has proved instrumental in increasing our business. Our association with Apnaloan has been a very fruitful one. We are satisfied with the quality leads that you have been providing. Kudos to your entire sales team and sales support for rendering us a very good service. They have been really proactive insolving any issues with full dedication.” - Ravinder Vij , IDBI HFL “ I am very happy with your leads. Not to boost you, but it is a fact that my business has been increasing month after month ever since I subscribed to your service. Now I have confidence that I can increase my business even in future and sustain current growth easily. Your service gave me a tremendous confidence that I can survive in this business easily as long as you are with me.” - Mega Consultant Customers Speaks
  34. 34. Thank You For more details contact: