SYNOPSISSYNOPSIS

G U FINANCIAL SERVICES (P) LIMITEDG U FINANCIAL SERVICES (P) LIMITEDCIN- U67120OR1989PTC017916CIN- U67120OR1989PTC017916

An NBFC-MFI registered with RBIAn NBFC-MFI registered with RBI

BACKGROUNDG U Financial Services Pvt. Ltd (GUFSPL) a Non- Banking Financial Company- Micro Finance Institution is providing micro finance services to women group members in the under served segment of the society. It was incorporated in the year 1989 under the companies Act, 1956 & registered as an NBFC with RBI in the year 2013. GUFSPL, a prominent venture for financial inclusion aspires to provide products and services in micro finance space in order to promote financial inclusion in Odisha & neighboring States.

GUFSPL presently operates in 34 branches spread across 14 districts of Odisha and 1 district in Chhattisgarh. The company has cumulatively disbursed INR 4147.7 Million amount of loan to 182819 women clients achieving Gross Loan Portfolio of INR 1121.6 Million. GUFSPL aims to make its presence remarkable in Odisha as well as other contiguous states in the upcoming years.

Mr. Govind Chandra DashChairman

Mr. Sashibhusan DashManaging Director

Mr. Prasad KuchibhatlaIndependent Director

Mrs. Sanjukta RaiguruIndependent Director

Mr. Gobinda Chandra NayakDirector

BOARD OF DIRECTORS :

VISION

We aspire to be the most friendly

and preferred Financial Inclusion

Institution by delivering financial

products and services to create

opportunities for the under-served

section of the community we work with.

MISSION

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We will create opportunities for Empowerment of women

We will provide financial services at the door step of our customers most politely.

We will design and deliver services and products which will meet with the financial needs of our clients.

We will make use of the best possible technology to serve our customers efficiently and in cost-effective manner.

We will engage with the community helping the financially excluded families to improve their lives.

CORE VALUES¢

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We believe that service to underprivileged section of the community is service to God.

We will be an ethical organization with high standards in honesty and transparency.

We will work with the community to understand their financial needs and contribute to their growth.

We will empower our employees with knowledge and technology to help them serve the customers most efficiently.

PRODUCT OFFERINGS :

•••••

IGA, Agri-allied & SME12K – 50 K12 – 24 MonthsMonthlyWomen Group members

•••••

Repair/Renovation, Extension50 K – 75 K24 – 36 MonthsMonthlyWomen Group members

•••••

Water & Sanitation20K – 25K12 – 18 MonthsMonthlyWomen Group members

•••••

Micro Manufacturing, Service & Trading

50K – 75K24 – 36 MonthsMonthlyWomen Group members

•••••

Fish Farming with other ancillary Activities

50K – 75K24 – 36 MonthsMonthlyWomen Group members

Unnati (MCL) Sweet Home (MHL) Nirmal (WASH) Samrudhi (MEL) Integrated Fish Farming (IFF)

NON-CREDIT OFFERINGS :

•••

Provides credit life insurance in tie-up with insurance company.In the event of death of a customer or her co-borrower, insurance helps to cover the existing loan and provides the benefits of a life cover.Provides Health Insurance ( Alpa Bima) to secure daily earnings of the borrowers.

OPERATIONAL AND FINANCIAL AS ON AUGUST 2019 :

• Started operations at Bagbahara of Mahasamud district in Chhattisgarh and at 4 more branches in Odisha • Presently operates with a network of 34 branches in 15 districts.

• RoE & RoA improved from 15.36% & 2.63% to 17.49% & 2.74% respectively for period ended August-2019.

• MFI Grading of M3+ assigned, valid upto Dec, 2019 and long term Bank rating assigned ACUITE BBB - / Stable, valid upto April, 2020.

• 100% loan disbursement is made through bank accounts of the borrowers.

• An advance version of M-FIMO software integrated with mobile application is in place • The entire loan origination and recovery is being done by mobile app on real time basis.

• BC partnership proposal with IDBI bank has been approved and the software integration process is going on • Service provider proposal is approved .

• J R Laddha, an investment banker is appointed for driving the equity infusion strategy • Equity has gone up to Rs.6.67 Cr from Rs.6.22 Cr.

Member of both SROs i.e. Sa-Dhan & MFIN.

Geographical Expansion:

Performance Growth:

Grading & Rating Status:

Adopting Digital mode of Disbursal:

Business Software:

New Partnership:

Equity Infusion:

Member of SRO:

with Belstar

RECENT PROGRESS

Disbursement Growth

Fund Leveraged Key Ratios

Portfolio Growth

Equity Vs Debt

District wise Exposure (GLP)Product Mix-Own Portfolio

Members Outreach

75,115

1,00,895 1,11,768

37,485

51,100 54,827

Mar-18 Mar-19 Aug-19

No of Members

Active Borrowers

35.55

68.38 68.19

36.59

43.64 43.97

Mar-18 Mar-19 Aug-19

Own (In Cr.)

Managed (In Cr.)72.14

112.02112.16

GLP (In Cr.)

8.87 11.42 12.75

38.78

68.98 71.13

Mar-18 Mar-19 Aug-19

Net Worth (In Cr)

Debt (In Cr)4.37

6.045.59

D/E Ratio

39.93

79.00

24.01

79.88

123.39

40.96

44.39

16.96

Mar-18 Mar-19 Aug-19

Own (In Cr.)

Managed (In Cr.)

Gross (In Cr.)

9.1

8

28

.8

17

.85

37

59

20

Mar-18 Mar-19 Aug-19

Amount Repaid (In Cr)

Amount Leveraged (In Cr)

7.21% 6.38% 5.75%

11.45%15.36%

17.49%

32.34%

21.97%23.60%

3.05% 2.63%2.74%

Mar-18 Mar-19 Aug-19

OPEX

ROE

CRAR

ROA

84%

84%

82%

16%

13%

13%

1%

3%

4% 1%

Mar'18

Mar'19

Aug'19

IGA & Agri-Allied

Micro Housing

WASH

IFF

68.19 Cr

68.38 Cr

35.55 Cr

OwnPortfolio (In Cr)

0.02%

14.69%

21.26%

8.39%

2.68%

0.25%

24.53%

26.43%

0.05%

1.69%

2.41%

15.62%

19.92%

6.48%

3.14%

0.81%

22.01%

26.51%

0.01%

1.38%

0.01%

1.69%

2.43%

15.32%

18.29%

0.22%

6.68%

3.51%

1.00%

22.26%

26.81%

0.15%

1.12%

0.48%

1.73%

Angul

Baleswar

Bhadrak

Bargarh

Cuttack

Dhenkanal

Ganjam

Jajpur

Kendrapara

Keonjhar

Khordha

Mahasamud

Nuapada

Mar-18

Mar-19

Aug-19

39.95

Network Organisations

Credit Information Companies (CIC)

Insurance Companies Rating Organisation

Capacity Building PartnerNetwork Organisations

Credit Information Companies (CICs)

Insurance Companies Rating Agencies

Capacity Building Partner

Our LendersOur Partner

G U FINANCIAL SERVICES PVT LTD.Kalyani Bhawan, Plot No-606/2112, Bharat Villa, At-Rudrapur,Po-Naharakanta, Bhubaneswar, Dist-Khordha.Phone: (0674) 2463364, TOLL FREE:-1800-345-7113, Email:-gufspl@gmail.com, Web:-www.gufinance.com

Support Services

• Credit Officers

• Tele Calling

• Referrals

• Direct Queries

Promoter Support• Existing Network

• Existing Customer Base

• Strong tie ups within industry

• Extensive experience in financial

inclusion

Diversified Products• Financial inclusion products like

Micro enterprise, micro credit, micro housing & Water & sanitation loans

• Support for financial awareness and digital banking

DistributionChannels

Strategic Tie-ups

• Insurance for Life and property

• Credit information companies

• Business correspondence with

top companies

Growth Strategy

Activities Based Loan Products