Banking Problems in India

Lack of Retail Banking API Charges are

Services in rural areas very high in Fintech

60%
Rural India

Lack of Banking Financial Lack of own domain

API Services Payment solution

Data Source:- World bank Data-2021 2

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 Problem Statistics

Unbanked Population Debit Card

in India ownership

₹2.7
43% 53% 27% Trillion

India’s Financial Value of ATM Txns in

Inclusion Index May-22

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3
 Our Solution
India’s own Neo-Banking Platform leveraging Banking
Correspondent Model

अब हर दुकान होगी UPI-ATM

Cardless Cash at Home/Office in

Just 10 Minutes & Available at Nearby Shop

Transfer, Collect & Pay

Anywhere with UPI Credit Facility

100+ Banking APIs

To Build Fintech
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 Our Services

Retail Banking API Banking

B2B Lending White Label

B2B Collection Admin Portal

Custom Payment
Settlement Full Stack Payment
 USP/Advantage

Unique First to market Tested Authentic

 UPI ATM to reduce  First time in India  Testing & MVP  Direct Tie-up with
Bank ATM Txns Ab Har Dukan Hogi Completed with RBI Approved
 Micro Loan to Small ATM 500+ Retailers Banks
Retailers  Cash at  Transaction Volume  Requirements of
 Micro ATM Cum Home/Office of 8+ Crore within 3 more than 150 Mn
POS to reduce MDR  Auto Approved Months with 5 Lac Volume Txns from
Charges up to 1% Revenue Govt. and Non-
Loan as per work
Govt Partners

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 Traction

• Distributors
600+
& Retailers

• End Customers
15K+
served

• Total value of
8 Crore
txn processed

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 Market Opportunity

10000
23 (Bn) 670 3003 (Bn)
(Bn) (Bn) 2028 Approx.
2027
AePS Value of Transactions 2026
2017 2019 2022 2025
2025

Below
1 2 4.6 10
Lakh Lakh Lakh Lakh

Micro ATM Machines Growth

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 Revenue Model

Subscription Based Model Commission & Surcharge Based Revenue Model

One-time User Registration
Fee: Rs. 100 to 500

Example 85% - 80% 15% - 20%

User KYC: 5000x100= 500000/Month

Master Super
Distributor
80% Retailer 87% Distributor 90% Distributor,
Partner
90% API User
Admin User

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 Business traction

Rs. 8,00,00000
Transaction Amount in FY 21-22 during only testing with

Rs. 6,00,000 Revenue with 400

Retailers
Market Testing/Beta Mode Traction.
Service Retailers Amount(CR) Total Txns Revenue Gross Profit Gross Profit
Rs. Rs. Margin
AEPS (Comm.) 30/400 3 12770 90000 13500 15 %
Payout (Surcharge) 30/400 4 4968 255156 140335 55 %
UPI (Comm.) 30/400 0.21 854 0 0 0%
Reg. Fee 320 0.02 320 250000 250000 100%
Total 400 7.05 18312 595156 403835 68 %
 Competitor Analysis

Criteria
Cardless CASH Business CREDIT PREPAID CARD AEPS, DMT,
UPI ATM
at HOME CARD for Payout BBPS

SPICE MONEY

Rapi Pay

Pay World

Novo Pay

Airtel Payments Bank

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 Marketing Plan

State Govt (E-Mitra) Tie-up for

B2C Services

Web Portal & Mobile App to

work from anywhere.

API Portal to provide Banking

API services.

Dynamic Admin Portal to

Start Business within 1 hour.
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 Project Timeline

Software Development Begins

Rajasthan State Govt. Lenders Listing
Jan/2021 E-Mitra Retailers
07/2022 01/2023
Idea Visualization and We are going to tie-up with We are developing automate
Software Development Rajasthan Govt. as Service AI, ML & DS Based Open
Started Provider under PPP Model Platform to connect lender
with Customers.

Software Development We are completing the

Completed, MVP Validation agreement with International
Completed with more than Bank for Credit Card, Prepaid We are developing the Mobile
550+ Retailers (B2B) in 10 Card, AEPS, Bank Account App for B2C Customers to Avail
States Services. our services direct at home.
Testing/MVP SBM Bank B2C ready to launch
03/2022 08/2022 01/2023

Total States: 12+ (North India) Partner Banks: ICICI Bank, SBM Bank
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 Financial Projection
2022-23 2023-24 2024-25
Employees​ 250​ 1620​ 2280
Users​/Retailer/B2B 21000​ 183000 411000​
Transaction Amount​ 456 Cr​ 6256 Cr​ 18210 Cr​
Average Chart Title
755​ 1235 1604
Revenue/Retailer 300

Revenue @ 0.35%​ 1.58 Cr​ 22.60 Cr​ 65.93 Cr 250

GROSS PROFIT​ 0.14 Cr​ 23.38 Cr​ 20 Cr
200
Expenses​ ​ ​ ​
150
Sales & Marketing​ 0.42 Cr​ 3.24 Cr​ 4.56 Cr​
Team
100
IT 0.12 Cr​ 1.24 Cr​ 1.5 CR​
50
Operational 0.11 Cr​ 1.19 Cr​ 3.15 Cr​
0
Others -​ - - 2023 2024 2025 2026 2027

TO TA L E X P E N S E S ​ 0.66 Cr​ 5.67 Cr​ 9.22 Cr​ EXPENSES REVENUE

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 Investment Details

Total Fund Invested: 50+ Lacs Funds Utilisation

Funding Required: 50 Lacs Sales
&

Raising Fund For :

Mar-
IT Development keting
20%
 Marketing
 Team Building
Operation
 Technology Development 50%

Sale & Marketing

Investment Projection for 12 Month: 1 Crore IT Expenses
30%

Projected Transaction Volume: 500+ Crore

Projected Revenue Volume: 3+ Crore

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 MEET THE TEAM
VEERENDRA
SHARMA
Aditya Sharma
FOUNDER & CEO
Android Developer
Business Planning, Strategy, Operation, Managing Android App Development
Sales & Marketing & Partnership
Vijaypal Singh Other Team Members
Sales Manager
Abhishek Maheshwari Sales & marketing Key Member Sales Team:- 2
IT Head
Manoj Sharma
Operation:- 1
Having 15+ Year Experience and Tax Consultant
Developed 200+ Projects For Business Accounting & Tax Digital Marketing:- 1
Management Accountant:- 1
Munjal Mayank
Amit Sharma
Project Manager &
Core Developer Company Secretory

Having 15+ Years Experience in IT Domain. All MCA & RBI Regulatory Compliance
Manager

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 Thank You

Address: DAMSKART INDIA PVT. LTD.

LG-66, JTM Mall, Jagatpura, Email:
Contact No: info@damskart.com
Jaipur,
+91-7073267001
Rajasthan - 302017, INDIA