MAXIMAL FINANCE & INVESTMENTS

LIMTED
A RBI registered NBFC

COMPANY
PRESENTATION
Economic Empowerment Through Financial Inclusion
 Table of Contents
01 Company Profile 06 Loan Products & Process
02 Board 07 AUM (Exposure)
03 Shareholding 08 Digital Journey
04 Organizational Chart 09 Financials

05 Business Update 10 Business Plan

 Company Profile- MAXIMAL
FINANCE AND INVESTMENTS
LIMITED
Nature Of Company Public Limited

Date of Incorporation 04-01-1991

Type of NBFC Non-Deposit Taking

Registered Number B-09.00313

Current Management Since 30-04-2010

Lending Model Micro,MSME,LAP & More

 MAXIMAL SUPPORTS THE VISION OF

“Atmanirbhar Bharat”
• Funding to the MSME segment for self – reliant Entrepreneurs empowering
the MSME space through Financial Inclusion.
 _
~ India has 95 micro businesses for every 5 small, medium and large
IMPACT enterprises.

STATEME Every human is an Entrepreneur! We want to invest and mentor the

promising entrepreneur by providing access to capital, motivating
repeat usages, and creating a graduation pathway to improve their
NT social and economic well-being!
~ The Missing Middle
India aspires to become a USD 5 Trillion economy. The potential of
“the missing middle” has to be nurtured and MFIL aims to make an
impact by playing the role of a catalyst in the success story of India’s
entrepreneurial journey.

Social responsibility is deeply embedded in female entrepreneurs. Our

MSME loan promotes and supports women entrepreneurship, so that
they can elevate themselves and the immediate ecosystem.

TOGETHER, Let’s create

opportunities for everyone.
MFIL also empowers its cliental base with Education and Consumption
loan to meet their aspirations.
ONE Stop Financial Solution
Our Small Contribution to the 10
SDGs – “The Global
Goals”
 OUR VISION
Maximal aspires to become the most preferred credit provider
through innovative products and services to address the wide
range of customer needs across India.
OUR MISSION
Maximal strives to improve the earning capacity of its
customers and increase their standard of living by providing
fast and timely credit assistance with international best
practices and maximising shareholders value.

OUR PILLARS

People Process Technology Customers

We have experienced
manpower who have more
than 2 decade of experience
in the lending business.
Our feet on street experience
has enabled us to understand
the needs of our customers
and has helped in developing
robust process in terms of
quality and operational
excellence.
Data, Technology and Mobile connectivity
has become the complete game changer Relationship with
for the Financial sector in India. We Borrowers for more than 2
believe in fully digitised process decades has helped
automation from start to end Maximal to continue to
engage with the
customers to uplift their
livelihood.
 Board
An alumnus of London School of Business and Finance,
Vignesh has 16 years of experience in Micro and SME loans
Previous assignment was with Inditrade Microfinance as CEO.
He has feet–on-the-street experience in Microfinance and SME
loans.
R VIGNESH

Masters degree from International Institute of Social Studies.

Prior Experience in banking (Lakshmi Vilas Bank) Worked with
NBFC for nearly 4 years. Overall Experience of 17 Years in
Financial sector.
R NANDINI

Ex-Branch Manager of SBI, he had 25 years of Banking

Experience. Both in India and Abroad

K RAMADOSS
 Meet The Team

R ARUN
R NANDINI K R ANIL
VIGNESH KUMAR
KUMAR
CHIEF OPERATING KASAGALLA
MANAGING CHIEF EXECUTIVE CHIEF INFORMATION
OFFICER R
DIRECTOR OFFICER OFFICER

Our team members belong to diverse backgrounds and have overall 62 + years of combined experience in
Financial Services Sector.
 Exploring MSME Experienced
Market & Robust Credit & &
Geographies Underwriting Diversified Team

Adapting
Strong Domain New Age Process
Knowledge Technology Excellence

Our Strengths
 Shareholding
Sl. Amount % age
No Name of the Holder Number of Shares (In Rs.) of Holding

1 Mrs.R.Nandini 32,60,586 3,26,05,860 43.47%

2 Mr.R.Vignesh 24,62,323 2,46,23,230 32.83%

3 M/s. Samay Safe Lockers P Ltd 17,60,391 1,76,03,910 23.47%

4 Mrs.K.Padma 14,000 1,40,000 0.19%

5 Mr.K.R.Anil Kumar 1,500 15,000 0.02%

6 Mrs.M.Swapna 1,100 11,000 0.01%

7 Mr.K.Ramdoss 100 1,000 0.00%

  TOTAL 75,00,000 7,50,00,000 100.00%

Samay Safe Lockers is controlled by both Mrs. Nandini and Mr. Vignesh.
 Organizational Chart
BOARD OF DIRECTORS

MANAGING INTERNAL AUDIT

DIRECTOR DEPARTMENT

CHIEF OPERATING CHIEF FINANCIAL CHIEF INFORMATION

OFFICER OFFICER OFFICER

MIS &
FINANCE &
OPERATIONS TECHNOLOGY
ACCOUNTS

HUMAN
COMPLIANCE & RESOURCES
RISK
CREDIT

ADMINISTRATION

LEGAL
BUSINESS UPDATE
AS ON

JUNE
2023
 MAXIMAL CURRENT PRESENCE

TELANGANA ANDHRA PRADESH

YANAM(PUDUCHERRY) RAJASTHAN

OPERATING STATES – 3 & UT - 1

 Business Snapshot as on June 2023

Disbursement (In Cr) AUM (In Cr) Borrowers

114.4 58.3 16358

States Branches Networth (In Cr) Employees

4 35 10.25 187
 Growth Assessment
Disbursement POS
250
200.00
181
193 180.00
200
160.00
140.00
150
120.00
100.00
100
80.00
42.45 60.00 45.76
50
40.00
14.63 16.3
20.00
0
Disbursement (In Cr) Growth % 0.00
FY 21-22 FY 22-23
FY 21-22 FY 22-23
POS (In Cr) Growth %

Branches Borrowers
400 371 16000
350 14000 13324

300 12000
250 10000
200 8000
150 6000
4470
100 4000
50 34 2000
7 204
0 0
Branches Growth % Borrowers Growth %

FY 21-22 FY 22-23 FY 21-22 FY 22-23

 Current FY Data
18,000
16652
16,000 15650
14248
13764
14,000
11984
12,000
10715
10,000 9692
8651 No of Loans
7914
8,000 7461 Active Loans
6585 6955
6262
6,000 5486
5054

4,000
2,149
2,000 1,334 1,156 1,410 1,107 1,390 1,231
525 784 536 592 890
146 338 395
-
Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23

Disbursed Amount (In Cr) AUM (In Cr)

70.00

60.00 58.30
54.27
49.04
50.00 45.76

40.00 37.31
31.84
30.00 27.90
23.57
20.11 21.12
17.53 18.72 18.62 18.91
20.00 16.18
10.30
10.00 7.05 7.29 6.77
5.36 5.07 4.96
2.03 2.28 2.10 2.20 3.51
0.37 0.94 1.24
0.00
Apr-22 May-22 Jun-22 Jul-22 Aug-22 Sep-22 Oct-22 Nov-22 Dec-22 Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23
 Exposure
PRODUCT WISE AUM & EXPOSURE PURPOSE WISE AUM & %
AUM as on 30th June 2023 in Crs Exposure % Amount in Crs %
70.0 70.0

60.0 58.3 60.0 58.3

54.0 54.0
50.0 50.0

40.0 40.0

30.0 30.0

20.0 20.0

10.0 10.0
3.6 3.6
0.5 1% 93% 0.2 0% 6% 100% 93% 0.7 1% 6% 100%
0.0 0.0
MICRO MSME LAP GOLD Total Trading and Services Manufacturing Gold Total

SEGMENT WISE AUM & %

Amount in Crs Percentage
70.0

60.0 58.3
54.7
50.0

40.0

30.0

20.0

10.0
3.6
6% 94% 100%
0.0
Secured Loan Un Secured Loan
 ROI Wise AUM Geo Wise AUM
Series1 70.0

35.00 58.3
60.0
29.82
30.00 51.4
50.0
25.00
40.0
20.00
30.0
15.00
11.64
20.0
10.00
6.83
5.00 10.0 6.2
1.81 1.85
0.07 0.15 2.91 0.7
0.00 0.0
20% 24% 26% 28% 31% 32% 34% 36% TS AP PY TOTAL

Ticket Wise AUM

Series1
55.07

36.12

*** Excluded Gold in

Ticket wise and ROI AUM 8.73 9.84

0.39

Upto 50k 50k to 1 Lakh 1 Lakh to 2 Lakhs Above 2 Lakhs Total

 Partner Wise AUM(In Cr)

58.30

31.60

11.00
9.14

2.37 2.91
1.18
0.10

Avanti Maximal Ugrow Usha India P2P E Clear Ananya Total

Geography Wise AUM ( )
In Cr

11%
Telangana State

88%
Andhra Pradesh
6.62
0.65
State
51.03

1%
Puducherry Union
Territory
Our Products &
Services
 Our Products & Services
:: CURRENT :: OTHERS ::
PRODUCTS ::
MSME GENERAL
FINANCE INSURANCE

MICRO HEALTH
FINANCE INSURANCE
CONSUMER
DURABLE DOCTOR ON
FINANCE CALL
LOAN AGAINST
PROPERTY MEDIBUDDY

EDUCATION
 Our Loan Products Features
Business Loan Livestock Loan
~ Loan Amount: Rs. 50,000 – Rs. 5,00,000 ~ Loan Amount: Rs. 30,000 – Rs. 50,000

Business Loan for Women Entrepreneur Consumer Durable loan

~ Loan Amount: Rs. 50,000 – Rs. 3,00,000 ~ Loan Amount: Rs. 5,000 – Rs. 15,000

Personal Loan Micro Finance Loan- Individual

~ Loan Amount: Rs. 50,000 – Rs. 1,00,000 ~ Loan Amount: Rs. 30,000 – Rs. 75,000

LAP Loan
~ Loan Amount: Rs. 5,00,000 – Rs. 20,00,000
Digital Journey
 APPLICATION OVERVIEW
The platform is comprehensive loan
management platform supporting both group
based and individual based lending. It is a
platform which has enabled Maximal to go
completely digital for end-to-end Microfinance
and Individual lending. It covers core lending
and financial accounting functionality with
highly robust, layered and functionally
extendable architecture.
The core modules include the following :
Customer prospecting : Maximal field staff
equipped with high end mobiles/tablets will be
scouting the field and enter prospective
customer data using their devices. This will
also serve as good CRM tool for Maximal going
ahead.
Customer KYC : Mandate to collect customer
KYC’s to process loan application.
Credit Check : The platform will automatically check the borrowing
and repayment history of the customer with its high end algorithms
and also generate credit score. This will be done without any manual
intervention.
Credit assessment, Pre and Post disbursement verification and ,
Loan sanction disbursals will be done directly into the customer bank
account thereby reducing the cash handling complications and helping
the Go Digital theme for India.
Loan Collection : The platform decides the loan collection schedule for
the field staff and the collection is accordingly done by the field staff on
the ground.
LUC : As per the provided timeline LUC to be recorded by the field
staff.
MIS : The Software system facilitates real-time MIS, tracking and
monitoring of various key business metrics, and provides the company
with strong internal controls and a robust performance management
system.
 Our Client Sourcing Approach

Client Sourcing Client Sourcing Client Sourcing

Through Through Through
Mobile App Website Human Capital
 Digitally Enabled Rhythms To Enhance Productivity
Instant
Credit
check

Geo Integrated
Process
Best in
tagging of accounting
Automation
customer engine
Data Branch
Class Validation
Paperless
processing
profitability
tracking

Financial Credit
Underwriti Real time
Analytics
Cashless
transaction

Technology
ng
Digital Instant
branch bank

Platform Real time

monitoring account
validation
Document
reconciliati
Digitization
on

~ 85% of Decision are Automated

 Tech & Touch based – Business Model

1. Lead 2. Mobile 3. Loan 4. KYC 5. LIVE 6. Mobile

Generation App Application Upload Photo OTP
Entry capture Verification

12. Tele - 11. Visit by 10. Geo Tagging of 9. House 8. Bank 7. Credit
Verification Branch Credit Residence & Visit by Details Bureau
Manager Business BM Upload Check

ENach /
ENandate

13. KYC 14. E- 15. Credit 16. Loan agreement 17. Cashless 18.
Verification at Nach Decisionin E-Sign at branch loan LUC
Back end activation g Disbursement
Financials
Financial Information- In Lakhs

P&L
Financial Information - BS In Lakhs
 Financial Snapshot
NETWORTH AUM
104000000 140000000
102520674
102000000 120000000 115272564
100602183
100000000 100000000 92560881
98490778
98000000 96987849 80000000

54593067 57765167
96000000 60000000
94659872 48983600
94000000 40000000

92000000 20000000

90000000 0
2018-19 2019-20 2020-21 2021-22 2022-23 2018-19 2019-20 2020-21 2021-22 2022-23

ASSETS PROFIT
250000000 2500000 2373752 2327976 2269936
219166041
2111405
200000000 2000000

150928656 1502930
150000000 1500000
112275569 113962915
103740939
100000000 1000000

50000000 500000

0 0
2018-19 2019-20 2020-21 2021-22 2022-23 2018-19 2019-20 2020-21 2021-22 2022-23
 Funds in Pipeline
BC Partnership & Co-Lending Term Loan

 Alwar General Finance Company –

 Ananaya – 1 Cr
0.5Cr
 Avanti BC – 25 Cr
 Kaledofin – 3Crs
 India P2P – 10 Cr
 SBI – 6 Crs
 MAS – 5 Crs
 Ugrow – 36Crs

Total funds in pipeline 86.5 Crs

Business Plan
 KEY FINANCIAL
Equity RATIOSAUM Profit
262.50 58.23
2,874.24

172.50 2,052.57
36.36

97.50
918.87 17.69
412.35 9.67
17.50 22.50 148.91 2.81

Mar'24 Mar'25 Mar'26 Mar'27 Mar'28 Mar'24 Mar'25 Mar'26 Mar'27 Mar'28 Mar'24 Mar'25 Mar'26 Mar'27 Mar'28

Debt OPEX
2,838.07
Debt Equity Ratio
11
4.33
4.08 9 9 9 9
3.79
2,013.83

1.96 2.11
872.52

411.14
142.15

Mar'24 Mar'25 Mar'26 Mar'27 Mar'28 Mar'24 Mar'25 Mar'26 Mar'27 Mar'28 Mar'24 Mar'25 Mar'26 Mar'27 Mar'28

Disbursement
3,510.07
Branches
370
2,516.76 300

195
1,126.65 130
506.27 75
183.66

Mar'24 Mar'25 Mar'26 Mar'27 Mar'28 Mar'24 Mar'25 Mar'26 Mar'27 Mar'28
Our Presence

Current Operating States / UT

Telangana
Andhra Pradesh
Yanam (Puducherry)
Rajasthan
Future Expansion States
Tamil Nadu
Karnataka
Odisha
Kerala
Funders
 Other Partners
CIC’s
Insurance

Technology Banking Cross Sell

HAPPY TO DISCUSS