Online Gold Loan

Online Attractiveness – Key Statistics 1.27 Billion 651 Million 185 Million India‘s Population in 2015 4X – 7X 2014 2019 243 Million Smartphone users in India Active internet users in India 18.7 Million 2 Million 185 Million 9X Active mobile internet users in India 2014 2019 Tablet users in India Age Groups 25-44 form 54% of the online users in India; The same trend is visible amongst both the Inactive and active customer base for MAFIL (70% ) India is set to have 600 million mobile internet user by 2020 and 45 million of them are expected to take up mobile banking The high potential and reach of the online channel combined with the low cost associated with it, makes the adoption of the online channel indispensable Source: Statista Database, KPMG Report on Mobile Banking, Cisco Report , KPMG Analysis

What competition is doing today Online banking Paperless transactions account for Rs. 92 Lakh Cr. in FY 15 whereas paper based transactions account for Rs. 85 Lakh Cr 60% of transactions of ICICI bank is through internet and mobile phones 63% of transactions of HDFC bank is through internet and mobile phones Mobile banking Bank transactions worth Rs 16,914 crore were recorded on mobile phones in March 2015 from Rs 3,407 crore in March 2014 Customers increasingly paying loan EMIs using mobiles Mobile apps and wallets While mobile penetration is increasing, service offerings through mobile remain largely untapped Banks offering innovative all in one apps and moving towards capturing m-wallet market M- wallet represents a customer base of 115 Million, worth Rs. 8180 Cr. Online service offerings Banks* NBFCs ICICI HDFC Manappuram Finance Muthoot Finance Muthoot Fincorp DHFL Shriram commercial vehicles Cholamandalam Finance Online repayment P Online account view O Expression of interest online Mobile apps Online gold loan NA Other services offered Online banking Integration with Paytm, Tata-Mrupee, ITZ cash- Gold loan collection . EMI calculator Documentation requirements Contact representative NIL Online enquiry form EMI Calculator Source: Economic times, Business standard, Company websites, KPMG Analysis * Gold loan portfolio of banks considered

Online Gold Loan USPs Instant disbursement of loan 24X7 from any where. Total ease of operations for customers, without need to visit branch for transactions Transition of Gold loan from distress product to life style product, Opens up possibilities for entirely new avenues of digital business segments.

Avenues for Online gold loan Potential business avenues for online gold loan Working capital for seller on online market place Seasonal agri purchases for seeds, fertilizers, pesticides Medical emergency Rolling credit facility to customers E commerce customers Upper middle class population in Tier 3 and 4 cities Seed money for business for unbanked population Working capital for jewelers Purchase of white goods / household assets Education / Student expenses Home Renovation / Improvements Family vacation

Online Gold Loan Model-How it works? Verification Process (One time) KYC Norms Check NEFT A/C Verification Mobile Phone Verification Customer signs up for Online Gold Loan Asset Verification & Valuation Asset Storage Loan Amount Disbursal Customer can login to online portal View Assets Loan Renewal Online operations by Customers Online loan amount calculation Online Loan Repayment View loan statement Online Pledging/Re-pledging Online Process Flow Customer Logs in View Assets Select, view eligible amount and pledge/re-pledge asset Accept terms & conditions Online disbursement Collection engine

One time Registration for Online Gold Loan Services Register as an online Gold loan customer at branch: The following documents are required for completing registration KYC documents( Valid Identity/Address Proof) Bank account proof (Pass book /Cancelled Cheque leaf Mobile Number for OTP verification.

Taking a Gold loan at branch after One Time Registration Take a Gold loan through Online Gold Loan enabled branch Then he can take Gold loan through online - 24X7 after closing the existing loan taken from the branch

ONLINE GOLD LOAN-STEPS LOG IN TO CUSTOMER PORTAL THROUGH WWW. MANAPPURAM.COM PAY THE EXISTING GOLD LOAN THROUGH ONLINE PAYMENT SYSTEM TAKE ON LINE GOLD LOAN OPTION SELECT INVENTORY ID,SCHEME AND LOAN AMOUNT REQUIRED SUBMIT GOLD LOAN APPLICATION & AUTHENTICATE THROUGH OTP PLEDGE CONFIRMATION WILL HAPPEN AND AMOUNT WILL TRANSFER TO BANK ACCOUNT

Login TO CUSTOMER PORTAL

HOME PAGE OF CUSTOMER PORTAL

SELECT THE MAKE PAYMENT

SELECT THE EXISTING LOAN

SELECT PAYMENT TYPE AND OPTION

PAYMENT CONFIRMATION

SELECT ONLINE GOLD LOAN

Providing knowledge about online gold loan process

CUSTOMER DETAILS

SHOWING INVENTORY DETAILS

SHOWING Settlement AMT IF ANY

Showing ITEM & SCHEME DETAILS

Finalizing the loan amount

Finalizing the NET PAYMENT AMT

TRANSACTION CONFIRMATION

SUBMITTING APPLICATION AND AGREEMENT CONFIRMATION

OTP CONFIRMATION

FINAL CONFIRMATION and loan disbursal to customer Bank

SHOWING PAWN TICKET

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