1. CLOUD OVER
Money Transaction
INVESTMENT REQUIRED
= 8 LAKHS INR
BUSINESS PLAN SUMMARY
Its an application of easy money
transfer as well as payment
gateway process using a CREDIT
termed virtual currencies
4. CLOUD LOOKS LIKE : HOW TO SEND
CREDIT AND TO WHOM
Name of
friend/restaurant/user
want to pay a
company/ecomerce ,
who has a account in
the social community
Amount of
CREDIT what
you want to
send
6. HOW USER/RESTAURANT/COMPANY
GET/ECOMERCE GET MONEY FROM US
This is an example text. Go ahead and replace it
with your own text. It is meant to give you a
feeling of how the designs looks including text.
User
profile
Admin profile
10 CREDIT
AFTER 1 DAY
In front of User’S door ::
100 us dollar/50000 INR is
shipped!!!
For
company/ecomerce/r
estaurant ::
Will get the money
after 1 week!!
That’s why we want
to take the name
WEEKLY!!
7. Our pricing
We take 4 CREDIT per
100 CREDIT = 4% on
transaction value
•No initial chagres
•No interest
•No finance charge
BUSINESS : Pricing we fixed
9. DEMAND ANALYSIS
Accelerated expansion in physical banking channels in
india
low channel
penetration
level/'00K
population
usa
ATM
Branch
uk
ATM
Branch
thiland
ATM
Branch
chaina
ATM
Branch
india
ATM
Branch
Mobile banking to see
huge growth and will
26 redefine transaction
139 banking paradigm in
india
21
53
9
59
14
15
Enormous expansion required in INDIA(network addition'000)
ATM Branch
6 2001-2009 41 14
42009-20(F) 45 175
10. DEMAND ANALYSIS
channel usage
INDIA vs USA
100%
90%
80% channel usage INDIA
70%
60%
50%
40%
30%
channel usage USA
20%
10%
0%
branch ATM internet/mobile call centers
banking
11. DEMAND ANALYSIS
unprecedented reach of
mobile over banking by 2020
2007 2010 2020
1400
1200
1000
800
600
400
200
0
1 2 3
significant improvement
required in quality phone
and internet/mobile
banking out of 3
Transparency
Error free service
Speed of service
Exception handling
Personalization of service
Channel availability and up time
Channel look and feel
Ease of usage of call center,ussd,internet
0 0,5 1 1,5 2 2,5 3
12. DEMAND ANALYSIS
bankers' expectation : mobile banking will see explosive
growth
private/for
PSU eign
mobile banking will see
explosive growth 57% 55%
Wealth management will emerge as a big
opportunity
21% 55%
NIM will come under pressure;free income
will be important
50% 9%
Banks & international presence will have
significant advantage
50% 18%
large scale will be critical to survive
43% 9%
Attracting & retaining talent will be one of
the biggest challenges
71% 36%
Industry will find a solution to serve
financially excluded in profitable manner 14% 9%
13. BUSINESS PLAN
Opportunity
% of people who are using mobile banking with respect to
their income in INR in
chennai+delhi+mumbai+banglore+kolkata as per survey of
BCG on 2011
<11 lakhs
7 lakhs - 11.49 lakhs
5lakhs – 6.99 lakhs
4 lakhs - 5.99 lakhs
< 1 lakhs
0% 5% 10% 15% 20% 25% 30% 35% 40%
14. FINANCIAL ASSUMPTIONS
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with your own text. It is meant to give you a
feeling of how the designs looks including text.
•Total no of user have done transaction per day = 30
•Amount of INR they transact = 30 INR
•Customer retaintion = 40%
•Avg. Transactions per customers per month = 10
•Target Monthly Customer Growth : for 1st yr = 10%,for 2nd yr = 8%,for
3rd yr = 6%,for 4th yr = 5%,for 5th yr = 5%
•Expenses value increase = 5% annually
15. FINANCIAL ANALYSIS : TRANSACTION VALUE
CALCULATION
This is an example text. Go ahead and replace it
with your own text. It is meant to give you a
feeling of how the designs looks including text.
MONTHLY
TRANSACTION
VALUE
CALCULATION
mont
h 1
mont
h 1
mont
h1
mont
h 1
mont
h 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
mon
th 1
day 1 day 2 day3 day 4day 5
day
6
day
7
day
8
day
9
day
10
day
11
day
12
day
13
day
14
day
15
day
16
day
17
day
18
day
19
day
20
day
21
day
22
day
23
day
24
day
25
day
26
day
27
day
28
day
29
day
30
total
customer 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30 30
Avg. money
used/custome
r /day
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
INR
30
total days 30 29 28 27 26 25 24 23 22 21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 6 5 4 3 2 1
Customer
Retention 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40% 40%
Total Daily
Transaction
Value
INR
135,0
00
INR
187,2
00
INR
237,
600
INR
286,2
00
INR
333,0
00
INR
378,
000
INR
421,
200
INR
462,
600
INR
502,
200
INR
540,
000
INR
576,
000
INR
610,
200
INR
642,
600
INR
673,
200
INR
702,
000
INR
729,
000
INR
754,
200
INR
777,
600
INR
799,
200
INR
819,
000
INR
837,
000
INR
853,
200
INR
867,
600
INR
880,
200
INR
891,
000
INR
900,
000
INR
907,
200
INR
912,
600
INR
916,
200
INR
918,
000
Daily
Transaction
Volume 125 173 220 265 308 350 390 428 465 500 533 565 595 623 650 675 698 720 740 758 775 790 803 815 825 833 840 845 848 850
First Month
Total
Transactions
18,00
0
First Month
Total
Retained
Customers 1,800
First Month
Transaction
Value
INR
19,44
9,000
equiv
alent
to
INR
10,8
05
per
customer
per month
equi
vale
nt to
INR
1,08
0.50
per
transacti
on
16. FINANCIAL ANALYSIS : PROFIT CALCULATION
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with your own text. It is meant to give you a
feeling of how the designs looks including text.
Avg. Transactions per customers per month 10
Revenue on Transaction Value 4%
Year 1 Year 2 Year 3 Year 4 Year 5
Target Monthly Customer Growth 10% 8% 6% 5% 5%
Month Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7
Month
8
Month
9
Month
10
Month
11
Month
12
Monthly Transaction
Volume 18,000 19,800 21,780 23,958 26,354 28,989 31,888 35,077 38,585 42,443 46,687 51,356
Monthly Revenue
INR
777,960
INR
855,756
INR
941,332
INR
1,035,46
5
INR
1,139,011
INR
1,252,91
2
INR
1,378,20
4
INR
1,516,0
24
INR
1,667,6
26
INR
1,834,3
89
INR
2,017,8
28
INR
2,219,6
11
Monthly New Retained
Customers 1,800 1,980 2,178 2,396 2,635 2,899 3,189 3,508 3,858 4,244 4,669 5,136
Year 1 Year 2 Year 3 Year 4 Year 5
Customer Base 38,492 96,929 195,040 350,263 629,022
Transaction Volume 384,917 969,287 1,950,395 3,502,630 6,290,220
Gross Profit INR 16,636,117 INR 41,892,574 INR 84,296,089 INR 151,383,665 INR 271,863,312
17. FINANCIAL ANALYSIS : EXPENSES
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with your own text. It is meant to give you a
feeling of how the designs looks including text.
initial cost calculation
unlimited phphosting cost for 12 month 240000
php charges for 12 month 12000
additional software licensing charges 154000
Pvt Ltd company registration
charges(according to
http://www.mycompanyregistration.co
m) 18000
current bank account charges 20000
Advertisement 100000
salary for blogger for 12 month 42000
general admin 200000
total 786000
18. FINANCIAL ANALYSIS : NET PROFIT CALCULATION(NET
PROFIT=GROSS-DEPRECIATION-TAX)
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with your own text. It is meant to give you a
feeling of how the designs looks including text.
Year 1 Year 2 Year 3 Year 4 Year 5
Expenses -INR 786,000 -INR 30,000 -INR 31,500 -INR 33,075 -INR 34,729
EBITDA INR 15,850,117 INR 41,862,574 INR 84,264,589 INR 151,350,590
INR
271,828,583
Depreciation -INR 344,000 -INR 344,000 -INR 344,000 -INR 344,000 -INR 344,000
Gross Profit INR 15,506,117 INR 41,518,574 INR 83,920,589
INR
151,006,590
INR
271,484,583
Tax -INR 4,961,958 -INR 13,285,944 -INR 26,854,588 -INR 48,322,109 -INR 86,875,067
Net Profit INR 10,544,160 INR 28,232,630 INR 57,066,001
INR
102,684,481
INR
184,609,517
19. BUSINESS PLAN
Potential exits scenarios
IPO offering: We seek to go
to public within 3 years of
operations. The funds used
will both help create liquidity
for investors as well as allow
for additional capital to
develop our strategy
Acquisition merger: Here in
india, several IT companies
are starting to build strategy
for SMS banking payment
service..So,they will be
targeting our customers
Content Background informationSummaryPersonal resources and goalsThe product or serviceThe marketSale and marketing planManagement & organisationDevelopment of the businessBudgetsFinancial requirementsAppendices
