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Policy Bazaar IPO Review (Directusinvestments)

Blog Home Start an SIP instantly Know Mutual Fund (+91) 9810674598 Login Register Know Us Mutual Funds SIP Investment Life Insurance General Insurance Downloads Information Reach Us Blog Details share share share Policy Bazaar IPO Review PB Fintech is coming up with an initial public offer to raise Rs 6,017.5 crore, the issue comprises fresh issue of Rs 3,750 crore and an offer for sale of Rs 2,267.5 crore by its existing shareholders; face value of each share is fixed at Rs 2. Policy bazaar’s share is listing at BSE, NSE. About Company Policy bazaar is country’s largest online platform for insurance and lending products, data, and innovation. Policy bazaar provides convenient access to insurance, credit, and other financial services. In 2014, its parent company PB Fintech has launched policy bazaar to transform the access for personal credits and variety of credit cards with easy and transparent process. Company provides convenient access to insurance, credit and other financial products and aim to create awareness amongst Indian households about the financial impact of death, disease and damage. According to the report of Frost & Sullivan, in Fiscal year 2019-2020, Policybazaar was India’s largest digital insurance marketplace with a 93.4% market share based on the number of policies sold. Furthermore, in Fiscal year 2020, 65.3% of all digital insurance sales in India by volume were transacted by Policybazaar. PB Fintech mainly runs Policy Bazaar and Paisa Bazaar- Policy Bazaar works on India’s online insurance product and service industry and Paisa Bazaar works on India’s online credit industry. Industry Overview According to the report of Frost & Sullivan, in Fiscal year 2020, India had a USD 102 billion insurance industry, measured in terms of Total Premium. This industry is expected to grow at a 17.8% CAGR to reach USD 520 billion by Fiscal year 2029-2030, with life, health and other non-life insurance growing at 18.8%, 15.3%, and 13.5% CAGR respectively. This is digital platform which requires huge Internet penetration and smart phone users to grow; India is expected to have 112.8 crore internet users, 108.3 crore smart phone users by 2030 India is the world’s 10th largest life insurance market, worth USD 76 billion in Fiscal Year 2020 in terms of total premium. India was the world’s 15th largest non-life insurance market in terms of gross direct premium, worth USD 25 billion in Fiscal Year 2020. Financials of the Company Particulars FY 2019 FY 2020 FY 2021 Total Assets 751 1,576 2,331 Total Revenue 529 856 957 Profit After Tax (PAT) -347 -304 -150 All amounts are in INR crore Strengths of the Company Company has created strong consumer brands with Policy Bazaar and Paisa Bazaar. The strength of their brand is reflected in Fiscal 2021, 83% of the premium Company sourced for its Insurer Partners during Fiscal year 2021 and 66% of loans originated on Paisa bazaar through Consumers who came to their platforms directly or through direct online brand search. Strong consumer-friendly brands that offer a wide choice, transparency, and convenience to users. Company has large, well-organized, and smart networks of 51 insurer partners and 54 lending partners, providing consumers financial services products. Policy Bazaar is India’s largest digital insurance marketplace. Government of India has launched various initiatives to enhance this market; it includes India stack, Pradhan Mantri Jan Dhan Yojana, Prahdan Mantri Mudra Yojana, Pradhan Mantri Jeevan Jyoti Beema Yojana, and Ayushman Bharat Pradhan Mantri Jan Aarogya Yojana. Company to utilize its proceeds for its growth. Company to build an offline network of 15 stores. Company follows capital proficient model with low operating costs. Risk Factors Company operates in dynamic and competitive online fin tech industries. Any harm to its brand failure can affect cash flows and profitability of the company. Dependency on cooperation with its insurer and lending partner. Company is having a history of losses and an anticipated increase in expenses in future. If company unable to comply regulatory and various laws governing the insurance can adversely affect its business. Peers and Competitors There is no listed peer of PB FinTech operates in this industry. Objectives of the IPO Policy bazaar to invest in the overseas business present in the UAE. Policy bazaar will spent some proceeds for general corporate purposes. New opportunities to expand customer base including its offline presence. Strategic investment and acquisitions. My Observation Keeping all the things on attractions, this IPO seems good to invest in. The financials of the company is not profitable but growth on its revenue can be seen, even in the time of Covid-19, company somehow has maintained the growth and declined its losses. Company is having strong brand name and popular among the people. This IPO can be good for listing gains as well as for long term wealth creation. BACK Mutual Funds Why Mutual Funds? Funds at-a-glance Our Favourite Funds Industry Top Performers Dividends Declared NFOs Gainers / Losers Growth Calculator Risk Profile SIP Investment Why SIP Start an SIP SIP Calculator Retirement Planner Child Education Planner Goal based Planner SIP Comparison SIP Performance Chart SIP Delay Calculator SWP Performance Chart Life Insurance Why Life Insurance? Life Insurance Products Premium Calculator HLV Calculator General Insurance Health Insurance Downloads Forms KYC Forms General Forms Information Industry News Articles Tax Guide FAQs Income Tax Calculator Financial Calculator Follow Us Follow us on our social media channels: All Rights Reserved © 2021 Investment in www.directusinvestments.com Disclaimer Privacy Policy Contact Us Site Map

Policy Bazaar IPO Review (Directusinvestments)

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Fincare Small Finance Bank IPO Analysis (Directusinvestments)

Blog Home Start an SIP instantly Know Mutual Fund (+91) 9810674598 Login Register Know Us Mutual Funds SIP Investment Life Insurance General Insurance Downloads Information Reach Us Blog Details share share share Fincare Small Finance Bank IPO Analysis Fincare small finance bank is coming up with an IPO, the issue size of the IPO is Rs 1,330 crore. The issue comprises a fresh issue of equity share worth Rs 330 crore and an offer for sale of up to Rs 1,000 crore by its promoter Fincare business services limited. The face value of each share will be Rs 10. About Company Fincare small finance bank is a "digital-first" SFB with a focus on unbanked and under-banked customers, especially in rural and semi-urban areas. According to CRISIL, among comparable SFB peers in India, this bank had the highest growth rate in advances over FY2018 to FY2020. In FY2020, Fincare had the best ROA (Return on asset) and ROE (Return on equity) among SFBs and, for the nine months ended December 31, 2020, and FY2020, Fincare were one of India's most profitable SFBs, based on ROE and ROA (Source: CRISIL Report). Fincare's Gross Loan Portfolio (GLP) grew from Rs 2,154.37 Crore to Rs 5,547.58 Crore, registering a CAGR of 41.05%, from March 31, 2018, to December 31, 2020. This growth was driven primarily by growth in borrowers from 1.02 million as of March 31, 2018, to 2.19 million as of December 31, 2020, a CAGR of 31.82%. Fincare's ROE was 18.41% for FY2020 and 14.27% (annualized) for the nine months ended December 31, 2020. Fincare had a total of 2.7 million customers (including borrowers and depositors) as of December 31, 2020. The promoter of the company Fincare business services limited is holding 78.57% stakes of the bank, and the bank is backed by marquee investors, including True north fund, VLLP, Wagner, TaTa opportunities fund, Leapfrog investments, SIDBI, Kotak Mahindra life insurance, and Edelweiss tokio life insurance. Industry overview Small finance banks’ AUM registered a growth rate at a CAGR of 30% during Fiscal year 2017 and Fiscal year 2020. The top three SFB’s accounted for approximately 61% of the aggregate AUM as of March 31, 2020, which increased from 55% as of March 31, 2017. The top three SFB’s experienced a growth rate at a CAGR of 35% during Fiscal year 2017 and Fiscal year 2020. The top six SFBs accounted for approximately 86% of the market share as of March 31, 2020. SFB’s loan portfolio is expected to experience a growth rate at a CAGR of approximately 22% in the near term. SFBs deposits are expected to grow by a CAGR of approximately 40% to 45% over Fiscal year 2020 and Fiscal year 2023. Financials of Fincare Small Finance Bank Particulars Fiscal 2019 Fiscal 2020 For the nine months ended December 31, 2020 Total Income 674.88 1,215.72 998.30 Profit After Tax (PAT) 101.98 143.44 103.92 Amount is in INR crore Listed Competitors & Peers of the Company LISTED PEERS TOTAL INCOME (INR Crore) Return on Net Worth (RoNW) Equitas Small Finance Bank 2,927.79 8.88% Ujjivan Small Finance Bank Limited 3,025.81 11.05% Credit Access Grameen Limited 1,705.48 12.27% Spandana Sphoorty Financial Limited 1,469.50 13.40% Bandhan Bank Limited 3,023.73 19.90% AU Small Finance Bank Limited 4,991.97 15.60% Strengths of the Fincare Small Finance Bank Customer-centric approach driven by digital banking and automation; Fincare is having a large banking outlet network, with 747 banking outlets and more than 2.7 million customers as of December 31, 2020. Its banking outlets consist of 528 banking outlets operated directly by Fincare and 219 banking outlets operated through third-party business correspondents. Strong commitment to financial inclusion with extensive rural franchise and expanding urban presence; Multi-channel, low cost distribution network with diversified geographic presence; Fast-growing stable deposit base with a growing CASA franchise; Stable and experienced professional leadership team with strong corporate governance; Robust risk management policies, leading to healthy asset quality; and Strong track record of financial and operational performance Risk Factors Many of Fincare's microloan customers are located in rural areas across India, and as of December 31, 2020, 92% of its loan portfolio comprised rural borrowers. This bank is the 7th largest among the SFBs in terms of asset under management and holds 5% of total market share of AUM of SFBs. Fincare small finance Bank is subject to stringent regulatory requirements and prudential norms and fincare’s inability to comply with such laws, regulations and norms may have an adverse effect on bank's business, results of operations, financial condition and cash flows Fincare small finance bank gets substantial portion of its income from 4 states(Tamil Nadu, Gujarat, Madhya Pradesh and Karnataka), for the nine months ended December 31, 2020, Fincare's top four states accounted for 46% of its banking outlets, 73% of its gross loan portfolio and 40% of its total deposits. BACK Mutual Funds Why Mutual Funds? Funds at-a-glance Our Favourite Funds Industry Top Performers Dividends Declared NFOs Gainers / Losers Growth Calculator Risk Profile SIP Investment Why SIP Start an SIP SIP Calculator Retirement Planner Child Education Planner Goal based Planner SIP Comparison SIP Performance Chart SIP Delay Calculator SWP Performance Chart Life Insurance Why Life Insurance? Life Insurance Products Premium Calculator HLV Calculator General Insurance Health Insurance Downloads Forms KYC Forms General Forms Information Industry News Articles Tax Guide FAQs Income Tax Calculator Financial Calculator Follow Us Follow us on our social media channels: All Rights Reserved © 2021 Investment in www.directusinvestments.com Disclaimer Privacy Policy Contact Us Site Map

Investment Performance Analytics - Valuefy

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Use our cutting-edge financial asset management software to develop your own offering rather than trying to reinvent the wheel. By utilising our "Wealth in a Box," Valuefy, a provider of Fintech software, can give your wealth and investing ideas wings. Utilize Plug & Play Wealth in a Box's high-tech and individualised investment performance statistics to embrace the digital transformation of financial advisory.

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Investment Management Solutions - Valuefy

Valuefy offers Investment Management Solutions that provide comprehensive analytics for leading financial institutions across the world, driving accurate results.A Team of Finance and Technology Experts dedicated to building and delivering a world-class Wealth Management Solution enabling wealth managers to perform to attain scalability.

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Interesting Newsletters for Today's Internal Auditor

The newsletters of IIA Madras cover the latest trending topics in the world of internal auditing. Professional Development programs and trainings that help Internal Auditors to align themselves to meet exciting new business requirement.

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The Institute of Internal Auditors

The Institute of Internal Auditors – Madras is affiliated to The Institute of Internal Auditors, India. The IIA is a not-for-profit professional organization dedicated to the advancement and development of the internal auditing profession in India

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