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[Feb 2020] - India @ 2030 - Mohandas Pai

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Version: February 2020
Authored By: Mr. T.V. Mohandas Pai
Powered By: 3one4 Capital Research

How Tech Entrepreneurship will create a USD 10 Trillion Economy.

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[Feb 2020] - India @ 2030 - Mohandas Pai

  1. 1. India@2030 How Tech Entrepreneurship will create a USD 10 Trillion Economy TV Mohandas Pai | 3one4 Capital @TVMohandasPai | @3one4Capital | #India2030
  2. 2. India is ready to take its place as a top 3 economy in the world by 2030 “ ” TV Mohandas Pai © 3one4 Capital
  3. 3. India at a glance Population 1.38 Bn 2020 Population Growth Rate 0.99% 2020 Total Fertility Rate (Replacement rate - 2.1) 2.0 2019 Life Expectancy: Male 68.4 yrs 2020 Life Expectancy: Female 71.2 yrs 2020 Literacy 79.3% 2011 GDP (at current prices) USD 2,903 Bn 2020 Real GDP growth 5% 2020 GDP (in PPP) (3rd Largest Economy) USD 12,584 Bn 2020 Per capita Income (nominal) USD 2,104 2020 Exports USD 536 Bn 2020 Imports USD 616 Bn 2020 Foreign Exchange Reserves USD 467 Bn Dec 2019 Government External Borrowings USD 111 Bn 2019 External Debt (Govt & Non-Govt) USD 580 Bn 2020 Interest to Gross Revenue 23% 2020 Gross Debt / GDP ratio 69% 2019 TV Mohandas Pai © 3one4 Capital
  4. 4. Key Economic Indicators 29Years’Snapshot Post-Liberalization 2020 vs 1991 2020 1991 CAGR Population (Bn) 1.38 0.89 1.5% Life Expectancy (Years) 69 58.8 0.6% Literacy Rate 79.3% (2011) 52% GDP Growth Rate 5% 5.3% GDP (at current prices) - INR Cr 204.4 lakhs 5.32 lakhs 13.4% GDP (at current prices) - USD Bn 2,903 275 8.5% Per capita income (nominal) - USD 2,104 310 6.8% Exports - USD Bn 2019 536 18 12.4% Imports - USD Bn 2019 616 24 11.8% Share in world trade (exports + imports) 3% 1% Foreign Currency Reserves - USD Bn 467 5.8 16.3% Exchange Rate - USD 70.04 17.9 4.8% Savings Rate 30.1% 22.9% Investment Rate 29.7% 22.5% TV Mohandas Pai © 3one4 Capital
  5. 5. GDP Growth (%) Regaining Growth Momentum Source: CSO TV Mohandas Pai © 3one4 Capital 5.2% 5.5% 6.4% 7.4% 8.0% 8.2% 7.2% 6.8% 5.0% 0.0% 1.0% 2.0% 3.0% 4.0% 5.0% 6.0% 7.0% 8.0% 9.0% 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20
  6. 6. Consumer Price Index (Average Annual Inflation %) Source: MOSPI, RBI TV Mohandas Pai © 3one4 Capital (*CPI-IW for 2009-11) 12.4% 10.4% 8.4% 10.2% 9.5% 5.9% 4.9% 4.5% 3.6% 4.7% 3.4% 4.1% 0.0% 2.0% 4.0% 6.0% 8.0% 10.0% 12.0% 14.0% 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020*
  7. 7. TV Mohandas Pai © 3one4 Capital Source: RBI, CSO Growth without impacting deficit & CPI 8.4% 10.2% 9.5% 5.9% 4.9% 4.5% 3.6% 4.7% 3.4% 4.1% 4.8% 5.9% 4.9% 4.5% 4.1% 3.9% 3.5% 3.3% 3.4% 3.8% 8.9% 5.2% 5.5% 6.4% 7.4% 8.0% 8.2% 7.2% 6.8% 5.0% 3.0% 4.0% 5.0% 6.0% 7.0% 8.0% 9.0% 10.0% 11.0% 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 CPI (Annual Inflation %) Fiscal Deficit (% of GDP) GDP Growth Rate (%)
  8. 8. GDP Projections We are where China was in 2002 India needs to grow at 9% CAGR net of inflation (~4%) to build a USD 10T economy by 2030 China’s GDP grew at an average of 9.4% p.a. from 1979 to 2019 TV Mohandas Pai © 3one4 Capital TRILLIONS
  9. 9. Regions GDP 2018 GDP 2025 GDP 2030 CAGR USD Tn USD Tn USD Tn 2018-2031 US 20.5 24.0 26.9 2.3% EU16 17.9 19.7 21.1 1.4% Japan 4.5 4.7 4.8 0.5% Other 9.6 9.9 9.9 2.3% Total OECD 52.5 58.3 62.8 1.5% China 13.3 20.1 26.9 6.0% India 2.6 4.7 7.2 8.8% Others 17.3 25.3 33.0 5.5% Total RoW 33.3 50.0 67.0 6.0% Total World 86.6 108.3 129.8 3.5% The world is changing TV Mohandas Pai © 3one4 Capital Currency appreciations considered Source: OECD, analyst estimates
  10. 10. The world is changing Asia’s Share of Global GDP (Historical & Projected) Source: ADB, Maddison, CGI TV Mohandas Pai © 3one4 Capital
  11. 11. India & China at a glance China has grown faster Population 1.38 Bn2020 (E) Population Growth Rate Life Expectancy: Male Life Expectancy: Female Literacy GDP (at current prices) Real GDP growth GDP (in PPP) Per capita Income (nominal) Exports Imports Foreign Exchange Reserves External Debt (Govt & Non-Govt) Gross Debt / GDP ratio 0.99% 68.4 yrs 71.2 yrs 79.3% (2011) USD 2,903 Bn 5.0% USD 12,584 Bn USD 2,104 USD 536 Bn USD 616 Bn USD 467 Bn USD 543 Bn 68% 2020 (E) 2020 (E) 2020 (E) 2019 (E) 2020 (E) 2020 (E) 2020 (E) 2020 (E) 2020 (E) 2020 (E) Dec 2019 (E) Dec 2019 (E) 2020 (E) 1.44 Bn 0.39% 74 yrs 78.4 yrs 96.4% USD 15,468 Bn 6.1% USD 29,609 Bn USD 10,741 USD 2,490 Bn USD 2,140 Bn USD 3,236 Bn USD 1,598 Bn 249% INDIA CHINA TV Mohandas Pai © 3one4 Capital
  12. 12. Government Fiscal Getting Better Strong reforms and the use of JAM has reduced subsidy leakage (INR Cr) 2014-15 2015-16 2016-17 (A) 2017-18 (RE) 2018-19 (BE) Oil (Petroleum) 60,269 30,000 27,539 24,460 24,933 Food 1,17,671 1,39,419 1,10,172 1,40,282 1,69,323 Fertiliser 71,076 72,438 66,313 64,974 70,080 Interest 7,632 16,730 17,888 23,635 20,917 Other Subsidies 9,252 15,944 12,896 10,774 7,572 Total - Budget 2,65,900 2,74,531 2,34,808 2,64,125 2,92,825 MGNREGA 36,025 44,003 48,215 55,000 55,000 Total Actual Subsidy 3,01,925 3,18,534 2,83,023 3,19,125 3,47,825 % GDP 2.43% 2.33% 1.86% 1.88% 1.86% DBT enabled transfer to beneficiaries (FY 14-19) INR 9.21 Lakh Crore ($131.5Bn) DBT enabled transfer to beneficiaries (FY 18) INR 2.18 Lakh Crore ($31.1Bn) DBT enabled savings for the Government (FY 14-18) INR 1.70 Lakh Crore ($24.3Bn) Ayushman India (Healthcare, INR 500K per family per year) Covers 100Mn Families Source: Budget, dbtbharat.gov.in, M/o Finance TV Mohandas Pai © 3one4 Capital
  13. 13. Strong Industrial & Infrastructure Base INDIA JAPAN USA 107 (Second largest in the world) 104 87 502 (Second largest in the world) 55 120 24.5 (Largest in the world) - - 5.1 (Fifth largest in the world) 9.7 11.3 1 (Sixth largest in the world) - - 191 (Fourth largest in the world) - 1,600 1,260 (Third largest in the world) 1,020 4,280 1,162 (Second largest in the world) 173 392 Production in Mn tonnes Capacity in Mn tonnes Production in Mn Units Production in Mn Units Bn Sq. ft. Revenue in USD Bn TWh Subscribers in Mn Steel Cement Two Wheeler Four Wheeler Construction ITeS Electricity Production Wireless Phone TV Mohandas Pai © 3one4 Capital
  14. 14. INDIA 739.4 (Second largest in the world) 220 (Fourth largest in the world) 345 (Seventh largest in the world) 5.6 (Third largest in the world) 1.2 (2.5 by 2020) 1260 (Third largest in the world) 67.5 (Second largest in the world) Production (Mn MT) Production (Mn tonnes) Passenger Traffic (Mn) Network (‘000 Kms) Network (Mn Kms) Cargo Traffic (Bn MT) Production (Bn Units) Production (USD Bn) Coal Iron Ore Aviation Railway Roadway Ports Electricity Textile 67.4 (Fourth largest in the world) Strong Industrial & Infrastructural Base − Exports stood at USD 331 billion in 2018-19, growing at 10% − Ranked 35th in Logistics Performance Index (LPI) 2016 (up 19 ranks) − Air passenger traffic is growing at 16.5%, to become 3rd largest by 2024 − Automobile production is growing at 14.8% and exports at 16.1% − Produces 95 minerals - 4 fuel-related, 10 metallic, 23 non-metallic, 3 atomic, and 55 others TV Mohandas Pai © 3one4 Capital
  15. 15. Strong Agricultural Base INDIA 283 (Second largest in the world) 176 (Largest in the world) 33 (Largest in the world) 35.5 (Second largest in the world) 2.8 (Largest in the world) 179.8 (Largest in the world) 512 (Largest in the world) Production (Mn tonnes) Production (Mn tonnes) Production (Mn bales) Production (Mn tonnes) Production (Mn tonnes) Exports (in USD Bn) (Mn hectares) Population (Mn) Food Grains Milk Cotton Horticulture Sugar Spices Cropland Livestock 315 (Second largest in the world) − Major producer of agrochemicals, tea, cashew, jute, oilseeds, etc. − Largest exporter of cereal products, cotton, bovine meat, sugar, etc. − All 15 major climates in the world; 46 of the 60 soil types in the world − Largest manufacturers of farm equipment − Proximity to food importing nations − Consumer spending to reach USD 3.6 Tn by 2020 TV Mohandas Pai © 3one4 Capital
  16. 16. INR 28.19 Lakh Crore ~= USD 400 Bn Source: BSE, RBI, AMFI 15.40 30.86 74.15 158.98 2003-04 2008-09 2013-14 2018-19 Indian Equity Market Capitalisation (in INR Lakh Crores) INR 158.98 Lakh Crore ~= USD 2.3 Tn Strong Financial Base TV Mohandas Pai © 3one4 Capital 5.41 7.61 28.19 July 2008 July 2013 Jan 2020 Indian Mutual Fund Total AUM (in INR Lakh Crores) 9.31 23.47 64.37 2006-07 2011-12 2019-20 FDI into India (in USD Bn) 2019-20
  17. 17. We have a Young Population We are NOT an aging country! 29 37 37 45 48 INDIA CHINA USA W EUROPE JAPAN AVERAGE AGE BY GEOGRAPHY 2020 TV Mohandas Pai © 3one4 Capital
  18. 18. We will continue to have a Young Population India’s working population is expected to total two-thirds of the total population in 2025 Higher aspirations & increased demand for skilled labor leads to higher education levels We have a growing middle class (~300Mn) which is increasing its consumption India Source: UN TV Mohandas Pai © 3one4 Capital
  19. 19. Enrolment in professional courses grew at 20% CAGR Pvt Institutions account for 78% institutions & 67% of enrolment 500 Mn population in 5-24 age bracket Higher Education Infrastructure Growth is about people, we have increased access in Higher Education Number of Universities 993 Number of Colleges 50,656 Total: 32.77 Mn Gross Enrolment Ratio in Higher Education in India is 26.3% General Courses (Mn) Specialised Courses (Mn) Arts 9.35 Engineering 4.08 Commerce 4.49 IT / CS 0.95 Science 5.35 Management 1.30 Education 1.67 Medical 1.36 Social Science 1.64 Law 0.43 Others 2.16 Total 23.6 9.10 Source: AISHE 2018-19 TV Mohandas Pai © 3one4 Capital
  20. 20. We have adequate savings for investments and growth In addition to exports, China’s GDP growth is investment-led Investment as a % of GDP stands at >50% over the last few years Consumption, on the other hand, is very low @ 48% of GDP This results in high savings at over 50% of GDP V S Source: Economic Survey Data Table INDIA CHINA TV Mohandas Pai © 3one4 Capital
  21. 21. GDP by sector We have different patterns INDIA CHINA 16% 30% 54% Agriculture Industry Services 7% 41% 52% Agriculture Industry Services TV Mohandas Pai © 3one4 Capital
  22. 22. INDIA’S CHALLENGES TV Mohandas Pai © 3one4 Capital
  23. 23. 33.48% 53.66% 23.79% 29.02% 42.74% 17.32% WORKFORCE DISTRIBUTION 2017 GVA BY SECTOR, 2016-17 1. Dependency on the Agriculture sector Source: RBI, World Bank, MOSPI ₹41,621 ₹125,231 ₹164,569 PER CAPITA GVA BY SECTOR, 2017 GVA GROWTH RATE, 2017-18 PRODUCTIVITY = WORKFORCE VS. GVA TV Mohandas Pai © 3one4 Capital
  24. 24. 86.6 82.3 74.5 59.2 55.3 55.3 50.3 42.5 34.0 BRAZIL USA EUROPE CHINA INDONESIA WORLD NIGERIA AFRICA INDIA URBAN POPULATION (%) - MOST POPULOUS REGIONS, 2017 2. Low rate of Urbanisation Source: United NationsTV Mohandas Pai © 3one4 Capital
  25. 25. 3. 11 Mn new formal sector jobs in FY2017-18 TV Mohandas Pai © 3one4 Capital Source: Census, Ghosh & Ghosh Report 3.4 Mn 0.2 Mn 0.3 Mn 3.9 Mn 11 Mn 4 MnJobs that need to be created
  26. 26. 4. Access to the basic necessities of living Health assurance to 346M beneficiaries under Ayushman Bharat Scheme HEALTHCARE Drop off rate to be curbed - enrollment in class 10 at 77% vs. class 11 at 52% EDUCATION "Housing for All" has subsidized financing for 1.5 Crore homes since 2014 HOUSING 93% of India’s population has access to clean water close to home WATER 100% village electrification achieved in 988 days covering 18,452 villages ELECTRIFICATION 85% of the country’s habitations connected with all-weather roads under PMGSY ROADS 99% individual household latrines (IHHL) achieved under Swachh Bharat Mission SANITATION All 36 states/UTs now covered under NFSA vs. 11 in 2014 FOOD SECURITY 775Mn Mobile phone users in India in 2018, 158Mn smartphones sold p.a. MOBILE 85% Indians owned a bank account in 2019 owing to Pradhan Mantri Jan Dhan Yojana BANKING Rose from 120M to 250M since 2014, 72M rural women provided free connectivity GAS CONNECTIONS 500Mn first-time internet users are expected to come online by 2020 INTERNET TV Mohandas Pai © 3one4 Capital Source: Government bodies, World Bank, Global Carbon Project, UNESCO, UNDP, WaterAid
  27. 27. “ ” TV Mohandas Pai © 3one4 Capital The Startup Ecosystem will help create a USD 10 Trillion economy in India by 2030
  28. 28. Digitization has transformed the world… Source: We Are Social TV Mohandas Pai © 3one4 Capital
  29. 29. …and India has benefited tremendously Source: We Are Social TV Mohandas Pai © 3one4 Capital
  30. 30. 3rd largest startup ecosystem in the World 270% growth in 6 years 40,000+ startups USD 160Bn Value Created India Startup Ecosystem Source: Yourstory, Inc42, Tracxn TV Mohandas Pai © 3one4 Capital
  31. 31. Startups at a glance Startups have raised USD 60Bn since 2014 250+ Accelerators & Incubators 500+ Institutional Investors 2000+ Active Investors 495 Acquisitions 67% of all active startups are concentrated in Bengaluru, Mumbai and Delhi-NCR Bengaluru saw 47% of the total deal value between 2017-19 Delhi Mumbai Bengaluru 15% 15% 20% % deals per city Source: Yourstory, Inc42 TV Mohandas Pai © 3one4 Capital Startups raised USD 14.5Bn across 1,185 deals in 2019, against USD 13.7Bn across 820 deals that was invested in 2017 Hyderabad 9% Chennai 6%
  32. 32. New flywheel ramping up IT Services took off 2015 USD 191 Bn revenue USD 137 Bn exports 4.5 Mn People Employed 1989 2025 100,000 Startups Employ 3.25 Mn USD 500 Bn Market Value #2 after US 100 Unicorns Projections ITServices 2025 Startups take off Startups What lies in store TV Mohandas Pai © 3one4 CapitalSource: IBEF, Nasscom
  33. 33. India’s 33+ unicorns have created 100Bn in value There will be 100+ unicorns in India by 2025 TV Mohandas Pai © 3one4 Capital Source: Yourstory, Inc42, tracxn
  34. 34. Enterprise Tech 16,000+ startups ~35% of all active startups in India 583 deals $3Bn Funding (2014-2018) Source: Inc42 – Indian Startup Funding Report TV Mohandas Pai © 3one4 Capital
  35. 35. TV Mohandas Pai © 3one4 Capital Source: Yourstory, Inc42, tracxn Top New Age Enterprise Tech Companies
  36. 36. Source: Inc42 – Indian Startup Funding Report TV Mohandas Pai © 3one4 Capital DeepTech ~28% of all deeptech startups have been funded 11% is the industry average 700+ startups $0.5Bn Funding (2014-2018)
  37. 37. TV Mohandas Pai © 3one4 Capital Source: Yourstory, Inc42, tracxn Top New Age DeepTech Companies
  38. 38. Most Active Venture Capital Investors Source: Yourstory TV Mohandas Pai © 3one4 Capital
  39. 39. Corporate Investors increasing confidence Source: CBInsights TV Mohandas Pai © 3one4 Capital
  40. 40. Accelerated growth led to the creation of global giants Source: KPCB, BCG China has shown the way
  41. 41. The scale that digital platforms reach, allowed vertical leaders to become ecosystem orchestrators Source: McKinsey Internet giants are seeding the next frontier
  42. 42. So what will the future of. Startups look like?. TV Mohandas Pai © 3one4 Capital
  43. 43. Use of Digital Platforms TV Mohandas Pai © 3one4 Capital
  44. 44. Provides a modern privacy data sharing framework Game changing electronic payment systems and transition to cashless economy Rapidly growing base of paperless systems with billions of artefacts Unique digital biometric identity with open access of nearly a Billion users CONSENT LAYER CASHLESS LAYER PAPERLESS LAYER PRESENCE-LESS LAYER Open Personal Data Store IMPS, AEPS, APB, and UPI Aadhaar e-KYC, E-sign, Digital Locker Aadhaar Authentication COMMERCE (GSTn) CREDIT (RBI) INVESTMENTS (SEBI) SKILLS OTHERS JAM Jan Dhan Aadhaar Mobile+ + India Stack TV Mohandas Pai © 3one4 Capital
  45. 45. The evolution of India Stack Source: BCG TV Mohandas Pai © 3one4 Capital
  46. 46. Source: BCG, Ministry of Finance, GSTN, NPCI Rapid formalisation & digitisation TV Mohandas Pai © 3one4 Capital 12.3M unique GST filers as on Oct 2019, grew from 3.6M in Apr 2014, a 340% increase 8.74B UPI transactions in LTM till Sep 2019, up from 2.4B LTM till Sep 2018, a 365% increase 95% reduction in Mobile data cost
  47. 47. India’s New Business Backbone 40% increase in one year Registered Tax Payers $24.3B (2014-2019) DBT enabled savings #142 in 2014 | #63 in 2019 Ease of Doing Business Digital India GST India Stack 0.1B 2011 2020 1.25B $0.4B Mar ‘17 Feb‘20 $30.9B 7M 2014 2020 380M Aadhar coverage is >90% Monthly UPI Transacted Value Jan Dhan Bank Accounts $400B | 3X in 5yrs Indian Mutual Funds AUM TV Mohandas Pai © 3one4 Capital Source: UIDAI, AMFI, DBT, NPCI
  48. 48. Aadhaar Auth Aadhaar eKYC eSign Digital Locker Smart Devices Unified Payment Mobile, Internet, GPS, Cloud World-Class Products are being built on INDIA STACK, a set of open API based PUBLIC PLATFORMS TV Mohandas Pai © 3one4 Capital
  49. 49. Impact of the India Stack - Large Bank Retail Customer Onboarding - Reimagining the User journey with Aadhaar, eKYC, e-Sign and Digital Locker Source: McKinsey & Company - Financial Services and Digital practices Turnaround Time down from 6 days to 1 hour Reduced Drop Offs First Time Right> 99% Branch Capacity Freed up by 10% Back Office No longer required TV Mohandas Pai © 3one4 Capital
  50. 50. Impact of the India Stack - Large Asset Manager Reimagining Channel Management - Digital Transformation with Aadhaar eKYC Source: McKinsey & Company - Financial Services and Digital practices Transaction Time down from 4 hours to 2 mins Statement processing time Capacity freed up for lead generation Reduced operational cost Down from 1hr to 1 min Improved customer retention TV Mohandas Pai © 3one4 Capital
  51. 51. Impact of the India Stack – New Telecom Customer Onboarding - Digital Transformation with Aadhaar eKYC Source: Conversations Customer Experience Onboarding time down from 1 day to 4 mins Onboarding Rate Saved INR 15 / SIM issued 50M in < 2 months Saved 15,000 Trees “Walk Out Working” TV Mohandas Pai © 3one4 Capital
  52. 52. The rise of smartphones… Current smartphone sales are at 37Mn per quarter Source: Ericsson Mobility Report, IDC TV Mohandas Pai © 3one4 Capital 45 468 859 - 100 200 300 400 500 600 700 800 900 1,000 2015 2019 2022 (Projected) Millions Smartphone Penetration
  53. 53. Source: Kotak Equity Research, App Annie, Google, Kantar IMRB 57 190 493 627 2008 2013 2019 (MAU) 2019 (Total) Internet Users in India (Mn) └ ACCESS • Jio helped cut data-access costs significantly in 2017, helping increase India’s internet penetration to 627M users in 2019 • Exponential increase in data traffic in India, with consumption reaching 10.6GB/user/month Data usage per customer Q2FY20 - 10.59GB Avg Daily Hours Spent on Mobile in 2019 in India – 3.5 Hrs … is augmented by a leap in data
  54. 54. We will go from data poor to data rich nation in 5 years! Cashless, Paperless & Presence-less Service Delivery Digital Identity Paperless Process Commerce Payment Social Machine Intelligence & Automation TV Mohandas Pai © 3one4 Capital
  55. 55. Initiatives to improve internet access has enabled spurt in content consumption in India Vasundhra Raje launched a monumental scheme to bring digital access to 1Cr families, providing financial assistance to the tune of ₹1,000perhouseholdtopurchasesm artphones. State & Government Pushes Monthly Data Consumption Daily Video Consumption 86 MB 2014 2019 11 GB 2 mins 2012 2015 7 mins 2019 67 mins Consumption proliferationRise of Jio 100,000,000 96,184,656
  56. 56. Novel drugs combating Antimicrobial Resistance (AMR) Methodology to enable entry of existing antibiotics into pathogens ML-based on cloud diagnostic analysis & reporting 5 major high-volume, screening processes – blood smears, urine, semen, OCT scans, & chest x-rays Deep tech innovations emerging in Healthcare
  57. 57. story - India is creating global category leaders Category leadership is opening up large international opportunities 68 206 432 2018 2019 2020 (P) REVENUE GROWTH (USD MN) Byju’s is now profitable, revenues growing 3x Top 10 cities 40% Other regions 60% 35MN REGISTERED SUBSCRIBERS The opportunity remains large & growing Source: Byju’s Byju’s is the world’s largest education tech company
  58. 58. leverages its technology platform to onboard assets at an unprecedented pace CAPABILITY TO TRANSFORM ALL FACETS OF A LODGING ASSET IN 14 DAYS Source: Oyo Blog
  59. 59. is digitizing its ecosystem at scale Service Providers Large number of service providers Each service provider creates multiple jobs New Age Platforms Create a few, high-value jobs that can be leveraged to enable service providers 1,000,000 Drivers 8,000 Employees 110 Cities TV Mohandas Pai © 3one4 Capital 150,000,000 Customers 450,000 Cars
  60. 60. Clean mobility options are now a reality in India, incumbents see value in partnerships TV Mohandas Pai © 3one4 Capital Machine-enhanced maps of urban clusters and hyper- local commute optimizes deployment & utilization
  61. 61. is upgrading India’s Banks with it’s SME-focused Neo-Banking platform TV Mohandas Pai © 3one4 Capital Source: Open 82K+ SMEs $250M+ Deposits 3,000+ Live integrations with Banks globally $4B+ Annualised transaction value
  62. 62. has created India’s largest blue- collared employee life-cycle platform TV Mohandas Pai © 3one4 Capital Source: Betterplace Supply-Demand matching platform for the next billion jobs Deliver digital financial accessibility across spend, save, credit and investments Managed life-cycle services to simplify onboarding to exit formalities of employees Upskill employees to meet the changing demands of the Industry
  63. 63. Credit without friction Sees loan offers Accepts best offer Receives loan Gets paid digitally Repays loan Agrees to share data Data sharing norms & tech Credit market- place Paperless contract Transaction a/c & app Payment app Payment app Need a loan Credit marketplace app Aadhaar/ eKYC Digi locker API for loan offers eSign Digilocker UPI Auth- orization api UPI UPI Paperless instant credit markets based on digital exhaust Bringing millions into the formal economy TV Mohandas Pai © 3one4 Capital
  64. 64. Regulatory Policy Market Making Policy via Challenge Grants India Stack as Digital Infrastructure A robust foundation to enable innovative solutions to India’s hard problems Innovative Solutions to India’s Hard Problems - Commercially Viable - Far reaching consumer impact - Reinforces experimentation 100s of Experiments - Low barriers to entry - Level playing field - Aligned to national issues - Rapid success/failure cycle TV Mohandas Pai © 3one4 Capital
  65. 65. “ ” India is optimizing to empower problem solvers. Startups will be the force multiplier to catapult the country into a USD 10 Trillion economy by 2030. Join the conversation on Twitter with @TVMohandasPai and @3one4Capital

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