PaisaGuru

Let’s uncomplicate money

There are approximately 64M Mass Affluent consumers in India whose needs
have largely been unmet through existing financial services players

70 Traditional financial services have neglected the

needs of the mass affluent segment which presents
60 an emerging a unique opportunity to incumbents
who can combine digital distribution with a human
50 touch and personalize pain points faced by this
segment
40

30

20

10

0
High Net Upper Mass Mass Affluent
Worth Affluent (<$0.1M)
($1-50M) ($0.1-$1M)
Indian Consumer Wealth Segmentation (In M)

Source: Livemint, India Wealth Distribution 2018

We are customer obsessed and aim to address mass affluent pain points by creating
customer trust, transparency and personalization

Customer Pain Points Our Promise

Let’s face it- money management is not We will uncomplicate money management
and make it as simple as ordering food on
Education taught in the Indian education system
Zomato

Our financial planners are not going to be

How do I know if my money is safe and
non-commissioned individuals- driving a fixed
my financial advisor has my best interest
Trust salaried income regardless of sales
in mind

I have 5+ financial services relationships. A one-stop shop where you can handle all of
There are so many hidden fees and I your finances – save, invest, borrow, spend.
Simplicity & don’t understand the T&Cs We will never charge a hidden fee.
Transparency

Why are you showing me things I am not We strive to create a highly contextualized,
interested in? personalized experience (Think as if you were
Personalization
buying on Amazon)
Our first priority is to focus on creating a financial solution for the
‘Accumulating Wealth’ segment

Emerging Affluent Accumulating Wealth Retire with Assurance

25-35 year old 30-55 year old 55+

$10-35K Income $income $1M+ Investable
<$0.1M investable $0.05-$4M investable

Second priority First priority

‘Accumulating Wealth’ segment as our first priority while also purposefully creating building blocks for the
‘Emerging Affluent’ segment (Second priority)
We believe uncomplicating money is the key to customer success (and to
our own)

We plan to deploy a different approach based on 3 fundamental principles

Money
Every individual management
People are
has a unique goes beyond Uncomplicate
emotional about
definition of traditional Money
money
happiness financial
management
Our philosophy has 3 pillars

Guidance Money Management Risk Management

• Holistic advice through • Protect today

both digital means and • Invest, borrow, save, • Protect your future
access to best in class spend
planners
• Underlying digitally
powered platform for
both self-led and planner
assisted journeys
• Psychology and
sentimental analysis
Our three pillars will be powered by a smart, adaptive platform

Financial Guidance Money Management Risk Management

Personalization Digital Storefront

Sentimental analysis Headless experience

Open source APIs Security

Analytics / Visualization Our Core Platform Third party tie ups

/ Reporting
We will make money using a combination of revenue generating products
and partnerships

Financial Guidance Money Management Risk Management

Our Core Platform

Personalization Digital Storefront

Sentimental analysis Headless experience

Open source APIs Security

Our Core Platform

Analytics / Visualization / Third party tie ups
Reporting

Income-Our Products Income-Partnerships Lifestyle

PaisaGuru Third Party tie ups with Engage and drive repeated
Offerings

Fee driven financial planning mutual funds, alternative use

investment vehicles, tax
providers, insurance
manufacturers
We are targeting both B2B and B2C segments using a tiered solution approach

All Employees Middle-Senior Management Executives

BRB

Emerging Affluent Accumulating Wealth Retire with Assurance

B2C

Gold Premier Exclusive

Unlimited
• Primarily Digitally self directed • Digital self directed and planner led • Dedicated/Unlimited financial
• 3 sessions with planners/year • 6 sessions with planners/year planner access
• Advanced portfolio construction • Estate planning, Family office

Our bundles
We have a strong foundational team that sets us up for success

Karan Chopra
CEO and Founder
Karan is a seasoned biz-tech leader with past experience
leading multi million dollar business verticals at
Goldman Sachs, MassMutual, Capital One and Amazon.
He has a passion for creating customer centric products
and is now committed to uncomplicating money
We are seeking a seed funding of $10M to accomplish our goal of
uncomplicating money

Detailed valuation and financial projections are available upon request