Micro investing - FinTech Piggy bank for the digital age, small unnoticeable additions leading to big outcomes

Problem statement : Suppose you spend ₹99 on a cup of coffee, the remaining ₹ 1 is often ignored. Now this 1
rupee is an opportunity cost for the customer to grow over a time period . Here Micro-investing comes in play
GROWTH DRIVERS IN MICRO INVESTING MARKET OPPORTUNITY
Investing small amounts involve low risk - making robo Market value in 2022 in terms of revenue - 468.6 Billion
investing adaptive to customers on the first place Dollar ( Global )
Investing small amounts ( spare money ) doesn't change To reach 3 B $ by 2032
the course of spending cycles for consumer Estimated market CAGR ( 2022-32 ) - 21.1 %
Investors doesn't have to spend hours curating their Holding between 5 players - 55 % in India
portfolio The Micro-Investing Platform Market demand in India
Millennials and GenZ mindset of growth and investments accounted for nearly 7.2% of the global market share in
will drive the industry even when the amounts are small - 2021
they will be repetitive just as a daily habit Consumer Spending Outlook 2022 report, nearly 40% of
The reason why micro-investing has become a rage among the people in the country are likely to invest in mutual
the youth is easy enough to understand and fun funds and equities through micro-investing platforms

Major customer base is the
millennials accounting for 440
MACROS
Million ( assuming rural India
will be a large opportunity too )
Affluent India is India wealth MODELS IN MICRO INEVSTING
growing , 8- % management stack - Lump sump model
population to enter Government regulation Round up investing
middle class by 2030 is very supportive Daily deposits

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 Micro investing - Top Investment opportunity
Evaluation criteria - Team , Product , Tailwinds , Headwinds ,Moats , Growth , (Market size remains the same for
them)
COMPANY RANK REMARK OVER INVESTMENT

Gullak 1 Founded by a strong engineering team , also they are backed by YC . Currently at pre seed stage , having two
models of recurring deposits and spare change . They have a major focus on digital gold to increase liquidity for
customers . The opportunity to invest in them is really good because of good founder background
Deciml 2 Founded by CFA Level 2 and entrepreneur Satyajeet Kunjeer, the fin-tech startup enables users to start their
investing journey with as little as Re 1 through mutual Funds and fixed return funds.Moat here is they offer fixed
10% return on their investment .They seem to be growing very fast since they raised their pre seed round .

Spenny 3 Founded by BITS Pilani grad and Insead MBA dropout , decent work experience but not so good pedigree though
they are backed by Y combinator . The product they offer is .a exact version of traditional piggy bank just online -
they have a p2p lending mechanism for the funds that have been collected

SayF 4 Founded by IIT Delhi grad - doesnt have relevant work experience . The app is attached to your shopping
experience wherein it invests alongside . It is a reward based model with high CAC - becomes difficult to scale .

Spare8 5 Founded by commerce background student , doesnt have a relevant work experience of the same .Leveraging
upi2.0 to form automated investment gamification platform . The platform seem to be on a new model but founder
pedigree is average .
Roundups 6 Founded by SRM university grad with no work experience , product is too early for investment rounds . Their
website is also under development

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