Aspire Without Boundaries, a DHFL group company, focuses on providing comprehensive housing finance solutions and education loans in India, supported by a robust network and strategic partnerships. The company aims to enhance access to education and home ownership, addressing social challenges through financing solutions tailored to meet growing demands in the education sector. It highlights the need for innovative financial products and services to empower families while improving socio-economic conditions in the country.

1. ASPIRE WITHOUT BOUNDARIES
CORPORATE PROFILE
A DHFL Group Company

2. ENABLING A TRIUMPHANT LIFE
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3. Our Lineage
• Founded on 11th April 1984 by the visionary Late,
Shri Rajesh Kumar Wadhawan
• DHFL today is one of the largest entity in the housing
finance space with an impeccable track record and a
loan book size and total assets under management
(AUM) in excess of ~INR 329Bn. (consolidated for 9M
FY13)
• Over 28 years of evolution and experience
• Over 2,90,000 families served
• Unmatched Credit Underwriting expertise with highly
structured operational synergies
DHFL Group Companies • Group Companies serving the entire spectrum of the
housing finance requirement
– First Blue Housing Finance*
– DHFL Vysya Housing Finance
– Aadhar Housing Finance
– Arthveda
• Other Services offered
– Fixed Deposits
www.avanse.com
– Property Services
– Insurance Services
– Technical Consultancy and Management
*in the process of merging with DHFL
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4. Enabling access to home ownership
• Impressive network aiding more access
– DHFL - 258
– First Blue - 39
– DHFL Vysya - 23
– Aadhar - 12
• Deeper market penetration into additional
137 location enhanced through strategic
alliances model with
– YES Bank
– Punjab & Sindh Bank
– Central Bank of India
– United Bank of India
• Strategic partnership with International
Finance Corporation (IFC) through its equity
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participation in Aadhar
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5. In Pursuit of Enabling Happiness
A better and brighter future beckons us
It nudges us to continue this journey, discover new paths,
observe life around us and
identify avenues to
enable & empower; thus impact the life around us
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6. Despite remarkable progress over the last
decades towards inclusive development, India’s
achievements are threatened by various social
challenges, major being Poverty
UNDP DEVELOPMENT INDICATORS
India ranks 134th
Natural
in the Human
Resources
20% Development Index
(HDI) - 2011
Infrastructur Rankings while
Human China is at 101
e
Resources
& Social 16% and US at 4
Factors
64%
Source: www.undp.org
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7. Education
a Fundamental Right and the definite Route in
enabling socio economic growth
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8. The end-product of
education should be a free
creative man, who can
battle against historical
circumstances and
adversities of nature.
- Dr. Sarvepalli Radhakrishnan
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9. Education; the Sunshine sector is supported by a
growing infrastructure
Year Universities Colleges Total
Growth of Universities, India 1947 - 2012
1947-48 20 496 516
0 200 400 600 800
1950-51 28 578 606 1947-48
1960-61 45 1819 1864 1950-51
1970-71 93 3227 3320 1960-61
1980-81 123 4738 4861 1970-71
1990-91 184 5748 5932 1980-81
2000-01 266 11146 11412 1990-91
2004-05 348 17625 17973
2000-01
2004-05
2005-06 355 18064 18419
2005-06
2006-07 367 19000 10367
2006-07
2007-08 416 20677 21093 2007-08
2008-09 480 22000 22480 2008-09
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2009-10 504 25951 26455 2009-10
2010-11 512 26000 26512 2010-11
2011-12 612 33023 33635 2011-12
Source: UGC
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10. Indian Education Landscape
Total enrolment* in the
Indian education system is
estimated at ~269 mn
Total enrolment
(2012) with spend of
268 mn
around INR 1,050 bn
K12(a) HE – Domestic HE- International Vocational courses
248 mn 16.5 mn 0.2 mn 3.1 mn
Large segment but low
Education spends estimated over ~ INR 0.8 Trillion annualy
requirement of finance
solutions
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*Enrolment figures imply cumulative enrolments across every year of the education course and not first year enrolments alone
Source: (1) Planning commission 2012, MHRD, EY analysis
Note : (a) The K12 segment considered does not include Pre schools
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11. Upsurge in Higher Education
Higher Education Enrolment Forecast CAGR (`04-10E) – 8%
CAGR (`10E-16E) – 8%
30
8.9 M 24.9M
20
5.8M 16.1M
10.2M
10
0
2004 Incremental 2010E Incremental 2016E
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Current projected economic growth implies the need to expand higher education enrollment by 8.9 seats by 2016
Source: MHRD; Parthenon Analysis
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12. However our GER’s stand low globally, thus indicating a
large gap in higher education enrolment potential
Gross Enrolment Ratio
100.00%
83%
77%
75.00%
57%
50.00%
34%
23% 26%
25.00% 17.27%
0.00%
India China Global Brazil UK Autralia US
average
Developed nations have GER of 58% in higher education, whereas developing
nations have GER of 24%,India today have GER of around 17% as of 2011.
With a median age of 25 years, India has over 550 million people below the age
of 25 years. Presently about 11 million students are in the Higher Education
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system. This represents just 11% of the of the 17-23 year old population. The
government hopes to increase this to at least 21% by 2017- a target which still
falls short of the world average.
Source: UGC, EY & FICCI Report
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13. Bridging this gap calls for broader, easier and more
comprehensive funding solutions to aid more enrolment
and thereby aid the nurturing of the human capital
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14. Trends indicate potential requirement of ~INR
1670Bn of education finance
► Although the Government targets 30%
GER by FY 20, historically, the ratio has
been growing at a CAGR of 3%. Hence
a conservative estimate would result in
a 20% GER by FY 20, with student
enrolments at ~ 34 Mn
► The current penetration levels in terms
of education financing requirements in
the target segment is 15%, and is
expected to grow to 17% by FY20
Education Loan outstanding (INR Bn.)
► This would lead to an overall demand
of ~INR 1670 Bn of education loan 1670
requirements by FY20
► Further potential exists if Governments 927
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GER targets are met
503
FY12 FY16 FY20
Source: Trend & progress of banking report, RBI and EY estimates
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15. Education Finance trends indicate an
underleveraged market, dominated by PSU’s
Education Sector Financing & Cumulative Loan accounts FY08-11, share of edu loans by PSU &
3 600.00 Pvt Institutions
Millions
Billions
2% 3% 16% 4%
2.5 500.00 100%
F
2 400.00 80%
i
Loan Accounts
% participation
n
1.5 300.00 60%
a
n 97% 95% 95%
1 200.00 40% 82%
c
i
0.5 100.00 n 20%
g
0 0.00 0%
FY07 FY08 FY09 FY10 FY11 FY12E FY08 FY09 FY10 FY11
Education Sector Finance Cumulative Loan Accounts Public sector banks Private sector banks
•Education finance has witnessed strong growth over the last 5 years at a CAGR ~30
•Banks are the chief providers of education finance in India with ~95% market share, owing largely to
RBI mandates of priority sector lending that includes education loans and IBA loan scheme
•Education loan accounts show a 2X growth in the last 5 years while disbursements grew at CAGR of
18%
www.avanse.com
•Education finance requirements are expected to continue growing at current rates till FY20
The sector needs highly organised and focused players to attend to this untapped
opportunity
Source: Trend & progress of banking report, RBI and EY estimates
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16. Rising cost of Higher education in India, implies the need
for funding & thus easy financial access
Avg College Tution as % of Household Income by income Edu Loan Users in USA vs India
quantile USA vs India 2009
100%
100%
80% 80% Non Users
College Tuition represents
60% over 11% of the top quintile
household income when 60% Non Users
compared with the US
40%
40%
20% Users
20%
0%
Users
Income Income Income Income Income
0%
Quanitle 5 Quanitle 4 Quanitle 3 Quanitle 2 Quanitle 1
US India
(Highest) (Lowest)
US India
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•Higher education is less affordable in India than in the US for every income bracket
•Broader and flexible financing options will help facilitate higher education access for low
income students
Source: PWC, Parthenon Analysis
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17. However self funding still prevails, the challenge is to
remove deterrents to education finance access
Source of financing HE by non users
100% Scholarship Reasons for not availing education finance
s
Self-Job Others, 4%
Self-Savings Not Aware,
18%
Unfavourable
Terms, 50%
Complicated
Process /
Challenging
Access, 28%
Family
Accessibility
•Students rely on family funds to pay for education,
implying many students from low-income households
have no access to higher education
•Awareness, complexity of the application process, and
loan terms are the main reasons of dissonance to
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education finance
60%
Did not take out student loan
Source: PWC, Parthenon Analysis
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18. The evolving psyche - Independence
•Wanting to fund my own studies emerges as
Reasons for opting education loans the primary motivation for opting a student
Others, 3% Shortage of loan
Family funds,
Want to fund 12%
my studies •Prohibitive costs were only applicable for
Tax benefits
on my own,
on Education 21% of the respondents
48%
loans, 16%
www.avanse.com
•Propensity for financing children's education
Cost too
is higher at the UG level than PG levels, as
high to bear, parents usually maintain adequate reserves
21% for UG education
Source: EY Analysis
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19. Enabling
Access
Enabling
Futures...
www.avanse.com
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20. “Enabling education, Empowering youth”
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“Promote the constitution of a better society by providing the youth of the country
an opportunity to educate and contribute,
thereby improving our social and economic conditions”
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21. • A new age company with age old values
• Changing lives is in our DNA
• We believe in enabling and empowering
• We believe in Aspiring without Boundaries
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22. Avanse Edvantage
Product Flexibility Convenience Quick Disbursement Customer Delight
•Customized products like •Door to door service for •Sanction Turn Around time •To minimize customer
Moratorium, Simple Interest, customers, rather than the to be kept at 4-5 days from complaints
Partial Interest and EMI customer having too visit the the time the file is logged in •Zero Fraud tolerance policy
during course tenure branch multiple times into the Education Loan
•STEP UP EMI concept (to be •Do away with the hassles of Management System. This
built in system ) in case unnecessary documentation will include Credit
student is not able to get and collect only those assessment and FI
good job after course and is required as per regulatory verifications
not able to pay entire EMI norms, credit assessment •Disbursement to be done in
immediately as a result and loan safety. 7 days or as per customer
date if it is more than 7
www.avanse.com
days.
Value Proposition
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23. Enhancing Spatial Access
Distribution Network
•AVANSE will initialize spatial
expansion with 10 dedicated offices
planned strategically across;
• MUMBAI
• DELHI
• KOLKATTA
• CHENNAI
• BANGALORE
• PUNE
• HYDERABAD
Avanse Network • AHMEDABAD
• JAIPUR
• CHANDIGARH
www.avanse.com
•Deeper penetration achieved by
leveraging close to 20 DHFL offices in
the first 2 years.
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24. Poised for the future
Access Technology Servicing Proposition
• Focusing on multiple • Investment in IT to • Strong focus on • Offering customized
avenues to enhance create an efficient loan customer servicing to and relevant value
customer access disbursement process ensure superior proposition to different
and main backbone for borrower experience market segments and
operations along with across the various enhance the experience
focus on lean operating transaction stages
model and leveraging
existing infrastructure
15 50
Access enhanced
2013 2014 2015 2016 2017
www.avanse.com
Customers enabled
5000 30000
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