Welcome to Apna Paisa

1. Welcome to ApnaPaisa

2. Indian Online industry ApnaPaisa - A great platform ApnaPaisa Team Preferred Destination – Statistics Reach Product Offerings Customers Speak Roadmap

3. Indian Online Industry • Internet users in urban India totaled more than 50 million in 2008 • Home Internet usage in India is on the rise • More than 50% of Internet users come from Top 10 cities Why Online?? • More options to fulfill needs • Saves time • Convenient • Empowers with expert knowledge, to make informed decisions

4. Who we are

5. ApnaPaisa • Apnapaisa Pvt. Ltd is India’s first and largest personal finance supermarket • The company run Apnaloan.com is the pioneer and largest market place for loans and credit cards • The Company has recently launched Apnainsurance.com, a comprehensive guide to insurance in India • Over 1 million consumers have acquired loan, credit card and insurance products through Apnaloan and Apnaisnurance

6. ApnaPaisa • Active relationships with major banks, insurance companies and more than 500 DSAs /Agents • ApnaPaisa provides specialised services like EMI Calculator, eligibility calculator, loan and insurance comparators, industry insights etc. • ApnaPaisa is a perfect application platform for products like Personal Loan, Home Loan, Car Loan, Education Loan, Credit Card, Health Insurance, Car Insurance, Life Insurance, etc. • 12x6 specialized Contact Centre, to ensure better customer experience and satisfaction

7. ApnaPaisa Team • Board consists of • G N Bajpai – Ex- Chairman, LIC and SEBI • R Ramaraj – Founder CEO and Ex- MD, Sify.com • KP Balaraj – MD of Sequoia Capital, Sequoia Capital India has been formed with West Bridge Capital Partners which Balaraj co-founded in 2000 • B Kasi Viswanthan – Retail banking expert, with over 15 years of retail finance experience • Harsh Roongta – Founder and CEO, is one of India's foremost personal finance experts

8. ApnaPaisa @ Google Ad Planner ApnaInsurance.com and ApnaLoan.com feature in top three websites recommended by Google in their ad planner for advertisers targeting customers from personal finance industry

9. ApnaPaisa - Preferred destination of Loan & Insurance seekers 320,093 : No. of Visitors on Apnaloan.com 1,507,176 : Page views 245,292 : Absolute unique visitors 73.22% : New visits 271,853 : No. of Indian visitors (85%) 44,087 : NRI visitors Above data is from 1st August 2008 to 15th October 2008 114,256 : No. of Visitors on Apnainsurance.com 700,376 : Page views 100,113 : Absolute unique visitors 86.01% : New visits 110,545 : No. of Indian visitors (97%) 3,711 : NRI visitors Above data is from 1st August 2008 to 15th October 2008

10. Our Esteemed Clients

11. ApnaPaisa Reach GEOGRAPHIC BREAK-UP INCOME PER MONTH INDIA: 90% NRI: 10% HIGH INCOME: 37% (ABOVE Rs.25000 pm) MID INCOME: 30% (ABOVE Rs.15000 pm) LOW INCOME: 24% (BELOW Rs.8000 pm) AVG INCOME: 9% (Rs.8000 pm) INDIA REACH TOP 7 CITIES: 80% B TOWNS: 16% C TOWNS: 3% * Geographic Reach to 108 countries OCCUPATION SALARIED : 77% SELF EMPLOYED: 23%

12. Product Offerings

13. Product Offerings @ ApnaPaisa Loans Product Offerings Insurance Real Estate

14. Business Solutions • Leads • Listings

15. NO PUSH Loan / Insurance seekers approach apnaloan.com / apnainsurance.com and independently submit their details DATA SCREENING We confirm the data over telephone and also get additional relevant data REAL TIME LEADS All leads are dispatched on real time basis Leads-Benefits DIRECT CONTACT WITH CONSUMER We can bring the actual consumer in direct contact with you through real time conference call Consumer ApnaPaisa Lender/Insurance Company

16. Flow of Leads @ ApnaPaisa CONSUMER VISITS WWW.APNALOAN.COM / WWW.APNAINSURANCE.COM/ They apply, register & give details about themselves & their needs CALL RECORDING We record all the calls at this stage, to avoid any NDNC issue 10 MINUTE RESPONSE Within 10 Minutes of registration, apnapaisa calls to crosscheck & get more details REAL TIME LEAD FORWARDING Selected profiles are immediately made available to Agents/DSAs Instant Email SMS Online Login

17. Competitive Advantage

18. Listing-Benefits • Brings customers close to you • Listing model enables serious customers to reach you when they need you. It gives competitive edge by making your presence felt and capturing customer mind space • Available 24 Hours a day and 7 days a Week • The internet is always "on" so your future clients will be able to find you no matter where they are or what time it is • Varied Listing Options • We have several listing packages in different price ranges and for different durations • Effective Representation • Our website has visitors from all around the world and is the first website of its kind aimed to increase your business.

19. Listing Process Step 1 : Customer fills the search parameters and clicks on “search” link on the homepage

20. Listing Process Step 2 : Search results matching the criteria appears.Customer clicks on the “details” link to view the complete details of short listed options

21. Listing Process Step 3 : Details like name, contact number, email id, product, bank / insurance company representing etc. appears

22. Competitive Advantage

23. Real Estate

24. Real Estate - Benefits • Customers who have not identified the property • Screening of lead once customer enters his details • Advertisement and guaranteed response from us • Leads forwarded after confirming with the customer

25. Real Estate Branding @ ApnaPaisa Qualified Leads Home page Real Estate Micro site

26. Real Estate -Qualified Lead Flow Leads forwarded To Real estate companies by SMS & E-MAIL Home loan customer visits Apnaloan Identifying Needs of customer Check the interest level of being Referred to Real Estate Customers who have not identified the property

27. Micro site Flow Step 1 : Customer clicks on “Home Loan” tab on the homepage.

28. Micro site Flow Step 2 : On the Home Loan page, Customer clicks on the “Search Property link” .

29. Micro site Flow Step 3 : Customer fills the search parameters and clicks on “Search” button

30. Micro site Flow Step 4 : Customer is shown a list of property developers with details like developer name, units and locality.The customer clicks on logo of desired developer

31. Micro site Flow Step 5 : Customer is taken to the MICROSITE of the property developer where property details with visuals are displayed

32. Competitive Advantage

33. Customers Speaks “Its been close to two months since we began an association with Apnaloan through you and I must say that we are quite satisfied with the quality of leads and more than satisfied with the kind of sales support that you have offered during this period by periodically interacting with us pro-actively and solving any issue. The proactive support of yours has made us look at increasing the package…” - G Sridhar, Quantum Marketing “I am very happy with your leads. Not to boost you, but it is a fact that my business has been increasing month after month ever since I subscribed to your service. Now I have confidence that I can increase my business even in future and sustain current growth easily. Your service gave me a tremendous confidence that I can survive in this business easily as long as you are with me.” - Mega Consultant “It is a pleasure having association with Apnaloan. It has proved instrumental in increasing our business. Our association with Apnaloan has been a very fruitful one. We are satisfied with the quality leads that you have been providing. Kudos to your entire sales team and sales support for rendering us a very good service. They have been really proactive insolving any issues with full dedication.” - Ravinder Vij , IDBI HFL

34. Thank You For more details contact: naresh@apnapaisa.com