YES BANK Partnership with LENDINGKART

The Genesis & Need XYZ BANK Large Queues outside Public Sector Banks to Remit Money Target Segment: Migrant Workers in Urban areas 1) Poor Service to Workers 2) Loss of Valuable Time and Income for the Workers Gap: Poor Service Delivery and income loss to Migrant workers Opportunity: Provide Flexible (at any time) and efficient service to Migrant workers at affordable cost Solution! YES Money – Tie-up with Business Correspondents (BCs) to provide seamless Domestic Remittance Service to Customers at reasonable fee

YES BANK BC Partner BC Agent How does the model work – the Stakeholders YES BANK Overall Program Management On-boarding and Training BC Partner Compliance Connectivity with Other Banks via RBI/NPCI Technology Platform BC Partner BC Network management Limit Management On-boarding and Training of BC Agents Customer Queries resolution (Call Centre) Reconciliation BC Agent Providing the Services to the Customers on Ground First Point of Contact for any Customer queries/issues Responsible for Customer KYC (If Applicable) Display of Marketing Material at shop premises

Pre-Paid Card Issuance About BC Agent Who are BC Agent BC Agents are any Individual/kirana shop/medical shop/fair price shop/ Cyber Café/ Recharge shop/ Travel agent/ Any moms &pop store Business done by BC Agent Domestic Money transfer & Mobile reacharge/ Cyber Café/ Travel tickets/ Kirana store/ Stationary store Problem Faced by BC Agent Inadequate working capital, hence not able to increase business Afraid of undergoing tedious documentation process to get a loan Takes loan from informal channel at a very high rate of interest DTH Recharge Cyber cafe Travel ticketing Local Kirana Bill Payments Pre-Paid Card Issuance Stationary Yes Money Agents CMS Domestic Remittance YES BANK Confidential

Our Business अ Providing Short term working capital for MSMEs W.I.S.H. Without Human interference Hyper flexible Simple Instant Transactional Data Credit Data Public Records Proprietary Data Social Data Accounting Data Hardware Internet Literacy अ All our loans are designed according to the WISH principle Pioneering mobile lending in India Using 2200+ variables to compute the LK Credit score Providing Short term working capital for MSMEs Credit Evaluation using Proprietary Big Data Analytics Building a Pan India scalable lending platform Loans disbursed in 163 cities across 25 states since inception in July 2014.

Our Process Data collection Filtering Product pitching Documentation Credit Analysis Loan Terms proposed Disbursal

Outcome