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India’s leading, RBI approved Peer to Peer lending marketplace

Monexo is India’s leading and RBI-approved Peer-to-Peer lending platform trusted by 1500+ investors and 3000+ borrowers. It partners with 400+ wealth advisors, offering an online marketplace for personal loans. Monexo disintermediates the bank, allowing salaried borrowers to access loans. Lenders invest in loans with durations of 6-36 months, benefiting from quick assessment, transparent loan terms, and legal recovery processes. Monexo provides convenience, attractive returns, and stable monthly cash flow, making P2P lending an appealing investment option. Join Monexo to benefit from a new asset class and high-yield opportunities!

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India’s leading, RBI approved Peer to Peer lending marketplace

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  1. India’s leading, RBI approvedPeer to Peer lending marketplace

  2. What is Monexo?

  3. India’s leading, RBI approved Peer to Peer lending platform Trusted by 1500+ investors Serviced 3000+ borrowers Partnered with 400+ wealth advisors 100%onlinemarketplace for Personal loans connecting investors with salariedborrowers

  4. Monexo : Disintermediating the bank Sources borrowers Salaried Borrowers avail loans Lenders invest in 6-36 month loans Screens borrowers Why lenders benefit Why borrowers benefit Facilitates transaction Servicing + Repayment collection Convenience Attractive and stable returns Quick assessment / disbursal Legal recovery process Monthly cash flow Transparent loan terms A new asset class

  5. Whatmakes Peer to Peer lending an attractive investment opportunity ?

  6. P2P lending - globally proven business model 151% growth in global P2P lending volume since 2010 $ 150 bnindustry globally (US, UK and China are large markets)

  7. Personal loans – A compelling, high yield asset class Just 4 years to double your money In today’s yield constrained environment, investment in personal loans provides attract fixed income minus the volatility 15% + Monthly cashflowswith high compounding ability 13 % 11.4 % 10 % 8 % 7.5 % 6 % 4 % 0 % High risk Debt MF Equity MF NIFTY 50 - 2 years Monexo P2P Portfolio Bank Fixed Deposit Low Risk Debt Fund Company Fixed Deposit (AA+) Current A/c Savings A/c Source: Moneycontrol, various reports

  8. Monexo’s target borrowers – Urban, salaried segment Mainstream and Creditworthy Aspirational Financially stable Often want to make independent financial decisions Average monthly income between Rs. 25K-50K Borrowers have strong, established CIBIL score and credit trackrecords Plan and prioritize spending to achieve financial goals Located in 12 major T-1 cities only White collar jobs, minimum graduates

  9. 6 reasons to lend with Monexo

  10. 1. Top notch promoter team and advisory board

  11. Experienced founders Vikram Mukesh Sonal Sundar 70 years Consumer Banking, Technology & Credit Risk Experience

  12. Engaged advisory board Dhruv Mehta Atul malik Vivek vig Over 80 years experience in financial services and wealth management

  13. 2. Solid credit underwriting

  14. Robust borrower screening leading to low NPA % Electronic data scrubs Strong Credit DNA 1 Partnership with credit bureaus Tech driven Credit risk assessment Historical credit trackrecord analysis Clear visibility on borrower Identity 2 Tech based location tracking Solid identity, location and fraud filters Stringent background/fraud checks

  15. Leveraging 150+ data points to make accurate credit decisions • Payslips / Bank statements collected • Electronic verification of income/employment data Identity, Location and Background check Income and Employment verification • Bank data scrub to understand borrower transaction history Algorithim driven decision model 15% Approval rate 85% Reject rate Repayment trackrecord + Ability Willingness to repay • CIBIL pull to understand credit discipline • Collection of NACH before • disbursal • Form filling behaviouranalysed • Savings / spending pattern is studied • Existing debt obligation identified • Tiered DSR cut-offs to cushion cashflow ‘shocks’

  16. 3. Secondary Risk mitigation infrastructure

  17. Diversification : Another key risk mitigant Rs. 10 lakh 1,00,000 5,000 Per Loan 10,000 Number of Loans purchased 10 200 100 Loss of Investment Assuming 4 loans default 400,000 20,000 40,000

  18. Borrower grading & pricing Enables construction of customised lending portfolios M8 M1 M2 M3 M4 M5 M6 M7 23.8% 20.6% 29.5% 18.6% 15.7% 17% 14.7% 14% Aggressive Conservative Moderate 13 % pa 18 % pa 24 % pa 2 % pa 0.04 % pa 4.5 % pa Attractive Risk-return dynamic with oversight on expected loss rates

  19. 4. Escrow account partnership

  20. Escrow partnership + Streamlined transaction process Screening, credit analysis,risk mgmt, sourcing, collection borrower lenders documents documents Escrow administrative account loan proceeds loan commitment principle & interest payments repayment & withdrawal No access to funds for Monexo Swift, digital fulfillment of transactions Provides business continuity

  21. 5. Automated repayments + Strong collections infrastructure

  22. Monthly repayments and full collections support Borrower’s bank auto debits borrower’s account for EMI due Monexo takes NACH form from borrower prior to loan disbursal 3 1 NACH form is presented by Monexo to borrower’s bank The EMI received is credited to respective lender Escrow accounts 2 4 In case of Repayment delay Partnership with specialised law firms In-house + tie-ups with SEBI authorised collection agencies Automated monthly repayments T+6 Till T+30 T+30 – T+90 After T+90 T+4 T+2 Penal Charge & Credit Bureau reporting 2nd presentation Bounce notification Arbitration initiated in Chennai; Monexo mediates entire legal process Sec 138 notice sent Law firm engaged for arbitration Phone and Home Collection visit

  23. 6. Monexo is a RBI regulated NBFC P2P

  24. RBI regulated platform MONEXO COMPLIANT WITH GUIDELINES MONEXO IS A RBI RECOGNISED ‘NBFC – P2P’ Permitted Activities Creditworthiness of borrower, loan pricing, documentation No Deposit taking & Assured Return(*) GovernanceRequirement Fit & Proper Management, Financial services Background, Brick &Mortar In India Prudential Requirements Minimum INR 2 Crore Capital Leverage ratio <=2 Operational requirement Escrow for fund transfer, Business continuity plan, Board approved credit policy Disclosure requirement Screening methodology, full disclosure of borrower details Publish NPA details Reporting Requirement Submit regular report of financial position, loans arranged and customer complaints

  25. Howcan investors start lending ?

  26. next steps Talk to SwamyFinancial Services for lender registration Receive account activation within 24 hours Transfer a minimum of INR 1 lakh to our secure escrow account maintained by IDBI Trustee Choose your loans – manually or autoinvest Track your investment through one click login

  27. makingcredit more affordable and investing more rewarding For further queries / support: Call Swamy Financial Services Contact Person: Suresh K. Mobile: 9840472692 www. .co

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