The document outlines a business plan to provide financing and educational services to private K-12 schools in India, including unsecured and secured loans, annual fee discounting, teacher training programs, and student talent tests. It analyzes the market opportunity in India's large private K-12 sector, presents products and services, provides financial projections, and introduces the founding team. The business aims to address financial and educational needs of private schools serving over 100 million students across India.

2. INDEX
Introduction
Need& Solution
Advantage
Product
Market
Competition
Budget
Team & Contact

3. Introduction
India K-12 Market
• India has 28.1% of the population between 0-14 years of age, the age group relevant for K-12 Schools
• The current K-12 school system in India is one of the largest in the world with more than 1.5 million schools
with 250+ million students
• 25% of total K-12 schools (0.35 million) are private schools and growing at CAGR of 4% over the last 5 years.
This segment contributes to approx. 40% of the enrolment.
• By 2022 private sector K-12 schools will account to 55-60% of the total enrolments and approx. another 1.3
lakhs schools to be opened
Introduction

4. Introduction
India K-12 Market
• The current per capita (PPP basis) spend on education is $500, This is four times less than that of upper middle
income countries
• There is a Fund deficit of $ 375 Billion to attain the four basic premise of vision 2030 for education
$500 Per Capita Spend
$2000 Per Capita Spend
$375 Billion
Vision 2030
Introduction

5. Access to Finance
Source providing funding in
completely non-existent
Low Basic Study
Skills
56% students of class VIII can’t
do basic math 27% can’t read
Unpredictable
Cash Flow
Cash non-availability creates a
catch22 situation
Poor Quality of
Teachers
Max Impact on School overall
performance and reputation
Secured &
Unsecured
School
Financing
Student Talent
Test
Annual Fee
Discounting
Train The
Teachers
• Improved access to finance and personalized line of credit
• More efficient and effective and rationalized basic study skills
• Improved teacher quality impacting the overall school performance
• Predictable cashflow i.e. better planning and investments
4.8 lakhs
private
school
Impacting
lives of 100
million
students
Need, Solution and Impact

6. Advantage
A comprehensive service deliver strategy, involving a 360⁰ engagement of all the stakeholders, including
schools, teachers & students, addressing present and underlying needs and aspirations:
• Tailor made financial solutions for private (all segments) of K-12 schools - Secured and Unsecured Loans
• Annual Fee Discounting, one of it’s kind of service, enables schools to leverage the annual school receipts at
the beginning of academic year
• Relevance of learner centric paradigm in education, by developing the intellectual & competitive qualities in
students, by Student Talent Tests
• Train The Teacher(T3) for Teachers, module
Student
Teacher
School
School Finance
Academic
Performance
Improvement
Programs
Academic Input Improvement Programme

7. Product
Five products to cater to entire gamut of private unaided K-10 & K-12 schools and focus on complete engagement of all the
stake holders of schooling environment (owners, teachers, students and parents), namely:
• Annual Fee Discounting – (AFD): An innovative 11 month very short term unsecured, working capital product,
leveraging annual “banked fee” receivables.
• Unsecured School Financing - (USF): Another unsecured loan product, leveraging annual fee, both “banked”
and “cash” receivables.
• Secured School Financing- (SSF): A secured loan product, for higher loan funding, credit risk is secured by
way of asset.
• Train the Teachers – (T3): A basic training & development product, aimed at defining & refining the pedagogical
approach of teachers, for better connectivity and content with students and curriculum.
• Student Talent Test – (STT): A student talent test aimed at promoting interest and spirit of competition in the
area of academics, primarily in core subjects like English, Science & Math

8. Market
School Finance Secured & Unsecured
We surveyed 50 K-12 schools across Delhi NCR and our primary research suggests:
• Nearly 60% of schools have need for funds
• 85% schools have existing financial commitments (majority secured)
• 80% of finance is at inception and provided by Banks (PSU)
Based on our Sample Size and projections* the overall market size in Delhi NCR stands at INR 1250Cr across 1200 private
K12 schools ( Affordable and High End)
• The addressable market across India is approx. $90 Billion*
Annual Fee Discounting
• School Fees is the prominent source of revenue and approx. 25% fees* is not received on time by schools
• The impact on cash flow is approx. 250 Cr in Delhi NCR
• The total school fees market is approx. INR 1000Cr per annum in Delhi NCR
School Finance
Infrastructure
Enhancements
Expansion/New
Geo Penetration
Quality
Improvement
Required for

9. Competitor Ecosystem
• Varthana
• Bangalore based firm focusing on providing loan to affordable private schools
• Started operations in 2013 with a gross loan portfolio of $35 million
• Indian School Finance Co Pvt. Ltd
• Delhi based Lenders to organizations ( schools, colleges, coaching centers etc.) in education sector
• Started operations in 2008 and has presence in 15 states with gross loan portfolio of $ 44 million
• Shiksha Finance
• Chennai based lenders to affordable private schools and students
• Started operations in 2016 and has presence in 3 states with gross loan portfolio of INR 32CR
• Others
• Very sporadic lending by banks and other NBFC

10. Cost & Revenue
Annual Fee Discounting Portfolio:
FY
Target Audience Nos.
(Schools)
No. of Students @
(Average 270)
Average
Annual Fee
(Greater
Than)
Percentage of
Parents - Delayed
Fee payments
Conversion Ratio for
onboarding of Schools
Onboard
Numbers
Gross Fee Receivables
- INR Cr
Gross Fee Discounting
@ 55% RTV
Processing Charges
@ 1.5% DV
Interest Charged
from Partnering
School @ 12% - INR
Cr
Commisions & Pay-
ins
Gross Revenue
(PF + Interest + Pay-
ins)
2020 - 2021 250 67500 36000 25% 40% 100 972000000.00 534600000.00 8019000.00 35382749.12 1603800.00 45005549.12
2021 - 2022 287 77490 36000 25% 43% 123 1199545200.00 659749860.00 9896247.90 43665850.70 1979249.58 55541348.18
2022 - 2023 330 89100 36000 25% 47% 155 1507572000.00 829164600.00 12437469.00 54878643.90 2487493.80 69803606.70
2023 - 2024 375 101250 36000 25% 50% 188 1822500000.00 1002375000.00 15035625.00 66342654.61 3007125.00 84385404.61
Total 1444 577600 566 5501617200.00 3025889460.00 45388341.90 200269898.33 9077668.38 254735908.61

11. Team & Contact
Ankit Shyam
Contact Information - linkedin.com/in/ankit-shyam-2119156
Abhishek Srivastava
Contact Information - linkedin.com/in/loan-zing-67b519171