<EFL or Department Name or Person Name>

Agenda

About EFL
Business Activity

Achievements
Strategic Partners

Systems and Process

3/11/2014

Snapshot
How we began
Part of well-known Pune based SRP Electronica Venture In existence for last 35 years Engaged in manufacturing, trading, sales and service Domain knowledge provided an impetus to setup a NBFC

About EFL
EFL - a NBFC with focus on MSME industrial finance Over 2 decades experience in machine loans Prominent player serving over 6500 customers 35 branches operating across 65 cities Focus on niche industrial segments Average loan ticket size of ~INR 34.5 lacs

Vision
Building the MSME Driving the Economy

Mission
To be a Globally Trusted Financial Partner for MSMEs, with a DNA of Customer First We are committed to achieve Business Excellence by becoming a Bench mark through Best in Class Services

Our Strengths
Leading Non-Banking Finance Company (NBFC) in India with strong legacy Sectoral focus on MSME finance

Strong domain knowledge with an experience close to 25 years

Over 6500 satisfied customers across the country Strong & Competent Network with reach to major Industrial Zones

 About EFL
Business Activity

Achievements
Strategic Partners

Systems and Process

Business Activity Industry

Machine Tools Printing Plastics Medical Equipment Pharmaceutical Textile

Products
Term Loan Hire Purchase Business Loan SIDBI Scheme Life and General Insurance

Packaging
Wood Working

Generators and
Compressors

Risk and Process

Close to 0% NPA Six Sigma Projects 5-S Initiative

Human Resource
In-house L&D Employee engagement Attracting talent from top BSchools

EFL Network

Credit Assessment
5 layer Filtration Credit RMs & Branch Managers Zonal Managers Credit Analysts at HO Final Approval HO Credit committee (EFL management) Robust Internal Credit Policy Policies and guidelines updated from time to time Profiling of new suppliers and securities done on a regular basis Zero tolerance on Quality Credit Analysis FIR / Personal Visits by BM / RM Financial & Banking Analysis CAM Preparation

Key differentiators
MSME Focus
MSME - one of the key constituent for Nation building EFLs focus on MSME contributes directly to nation building Successful in an under penetrated and risky segment as viewed by Banks

Strong domain understanding

Focus on Industrial assets where domain knowledge is the strongest Parentage enables practical view , so low delinquencies and repeat business Low TAT due to better understanding of borrower eco system

Ability to Cross sell

Strong position to identify and facilitate financial inclusion for customer Trusted co-branding partner of SIDBI

Constant Innovation

Innovating and expanding its expertise in terms of industries served Widen product service offerings to clients and capture higher share

 About EFL
Business Activity

Achievements
Strategic Partners

Systems and Process

Success is a Journey. Not a destination

Recognized by SIDBI as Co- branding partner to extend their reach to MSMEs Got "a -" Rating from MCRIL indicating high safety Management Case Study on EFL was published in IIM Ahmedabad Journal 2010 2007 2006

1993

Incorporated as NBFC in India to cater to MSMEs

2008

Recognized by WORLD BANK for exclusive work in MSME Segment

2013

Crossed Bench Mark of INR 600 cr. of AUM

Impact
Have Impacted Micro, Small and Medium Entrepreneurs positively This is the segment which will serve as growth engine for India Huge impetus to generate employment Caters to category which is neglected by Banks

Association with SIDBI

Trusted partner for the past 7 years Have disbursed about 1000 cases without a single default Majorly targeted towards Missing Middle category

Social contribution
Sponsored mid-day meal programme to underprivileged children through ISKCON De-addiction awareness projects in > 100 rural schools & colleges. Plans to expand to > 100 urban schools and colleges in Maharashtra this year. Funds for medical treatment of under-privileged & disabled Environment friendly Evaporative cooling in Head Office Blood donation camps EFL believes in Giving back to Society

 About EFL
Business Activity

Achievements
Strategic Partners

Systems and Process

Our Bankers

Our Principals

You can insert names of our tie-ups based on the audience

 About EFL
Business Activity

Achievements
Strategic Partners

Systems and Process

Our Attributes
We follow a systematic approach to ensure that business processes are achieving breakthrough results in customer satisfaction, organizational speed & the cost of doing business. In Sync with our mission statement , we have chosen LEAN SIX SIGMA as a profitable business proposition , in order to become 100% process centric. We have initiated to transform Six Sigma from being just a Quality Programme & a Management System to changing the Fundamental DNA of EFL. Our Success Enabler : Continuous Engagement with our Stakeholders Learn , Commit , Motivate

Embed New Way of Working

Implementation & Monitoring Solution

Root Cause Analysis

e-DMAIC

Data Collection Plan

Our Methodology

Proactive Approach

ENGAGEMENT

Learn , Commit , Motivate.

Continuous Improvements

Our IT Capability
Business Users
Distributed workforce between Head Office and 27+ Branches. Sales , Accounts , Finance , Operations , Recovery , Legal & HR Functions. Last mile mobile connectivity for field staff.

Enterprise Systems
Integrated ERP covering Borrowing to Lending Business Process. Single Platform for all business users to leverage. Last mile connectivity through integration to mobile applications.

Enterprise network
Centralized Unified Threat Management(UTM) of all enterprise resources. Dedicated In house Data Center Support. Virtual Private Network to link all Branches.

Systems & Processes @ EFL

Change Advocacy
Core Committee Quality Champion

Structured Problem Solving Approach Standardized Communication Plan

ERP Integrated Business Application

EFL

Process Definitions Process & Policy Audits Quality Trainings & Six Sigma Projects

Up-to-Date Documentation Control Mechanism Periodic Audits

KAIZEN
Application , Server & Network Management

IT Infrastructure Management

Software & Hardware Management

Thank You !
Electronica Finance Limited Kailaschandra Apt./ 128/1A , Paud Road ,Kothrud, Pune - 411038 (India) (O) : +91 20 25459716-9 SMS EFL to 56677 Email: mkt@electronicafinance.com