1. Online Gold Loan

2. Online Attractiveness – Key Statistics
1.27 Billion
651 Million
185
Million
India‘s Population in 2015
4X – 7X
2014
2019
243
Million
Smartphone users in India
Active internet users in India
18.7
Million
2 Million
185
Million 9X
Active mobile internet users in India
2014
2019
Tablet users in India
Age Groups form 54% of the online users in India; The same trend is visible amongst both the Inactive and active customer base for MAFIL (70% )
India is set to have 600 million mobile internet user by 2020 and 45 million of them are expected to take up mobile banking
The high potential and reach of the online channel combined with the low cost associated with it, makes the adoption of the online channel indispensable
Source: Statista Database, KPMG Report on Mobile Banking, Cisco Report , KPMG Analysis

3. What competition is doing today
Online banking
Paperless transactions account for Rs. 92 Lakh Cr. in FY 15 whereas paper based transactions account for Rs. 85 Lakh Cr
60% of transactions of ICICI bank is through internet and mobile phones
63% of transactions of HDFC bank is through internet and mobile phones
Mobile banking
Bank transactions worth Rs 16,914 crore were recorded on mobile phones in March 2015 from Rs 3,407 crore in March 2014
Customers increasingly paying loan EMIs using mobiles
Mobile apps and wallets
While mobile penetration is increasing, service offerings through mobile remain largely untapped
Banks offering innovative all in one apps and moving towards capturing m-wallet market
M- wallet represents a customer base of 115 Million, worth Rs Cr.
Online service offerings
Banks*
NBFCs
ICICI
HDFC
Manappuram Finance
Muthoot Finance
Muthoot Fincorp
DHFL
Shriram commercial vehicles
Cholamandalam Finance
Online repayment P
Online account view O
Expression of interest online
Mobile apps
Online gold loan NA
Other services offered
Online banking
Integration with Paytm, Tata-Mrupee, ITZ cash- Gold loan collection .
EMI calculator
Documentation requirements
Contact representative
NIL
Online enquiry form
EMI Calculator
Source: Economic times, Business standard, Company websites, KPMG Analysis
* Gold loan portfolio of banks considered

4. Online Gold Loan USPs
Instant disbursement of loan 24X7 from any where.
Total ease of operations for customers, without need to visit branch for transactions
Transition of Gold loan from distress product to life style product,
Opens up possibilities for entirely new avenues of digital business segments.

5. Avenues for Online gold loan
Potential business avenues for online gold loan
Working capital for seller on online market place
Seasonal agri purchases for seeds, fertilizers, pesticides
Medical emergency
Rolling credit facility to customers
E commerce customers
Upper middle class population in Tier 3 and 4 cities
Seed money for business for unbanked population
Working capital for jewelers
Purchase of white goods / household assets
Education / Student expenses
Home Renovation / Improvements
Family vacation

6. Online Gold Loan Model-How it works?
Verification Process (One time)
KYC Norms Check
NEFT A/C Verification
Mobile Phone Verification
Customer signs up for Online Gold Loan
Asset Verification & Valuation
Asset Storage
Loan Amount Disbursal
Customer can login to online portal
View Assets
Loan Renewal
Online operations by Customers
Online loan amount calculation
Online Loan Repayment
View loan statement
Online Pledging/Re-pledging
Online Process Flow
Customer Logs in
View Assets
Select, view eligible amount and pledge/re-pledge asset
Accept terms & conditions
Online disbursement
Collection engine

7. One time Registration for Online Gold Loan Services
Register as an online Gold loan customer at branch:
The following documents are required for completing registration
KYC documents( Valid Identity/Address Proof)
Bank account proof (Pass book /Cancelled Cheque leaf
Mobile Number for OTP verification.

8. Taking a Gold loan at branch after One Time Registration
Take a Gold loan through Online Gold Loan enabled branch
Then he can take Gold loan through online - 24X7 after closing the existing loan taken from the branch

9. ONLINE GOLD LOAN-STEPS
LOG IN TO CUSTOMER PORTAL THROUGH
WWW. MANAPPURAM.COM
PAY THE EXISTING GOLD LOAN THROUGH ONLINE PAYMENT SYSTEM
TAKE ON LINE GOLD LOAN OPTION
SELECT INVENTORY ID,SCHEME AND LOAN AMOUNT REQUIRED
SUBMIT GOLD LOAN APPLICATION & AUTHENTICATE THROUGH OTP
PLEDGE CONFIRMATION WILL HAPPEN AND AMOUNT WILL TRANSFER TO BANK ACCOUNT

10. Login TO CUSTOMER PORTAL

11. HOME PAGE OF CUSTOMER PORTAL

12. SELECT THE MAKE PAYMENT

13. SELECT THE EXISTING LOAN

14. SELECT PAYMENT TYPE AND OPTION

15. PAYMENT CONFIRMATION

16. SELECT ONLINE GOLD LOAN

17. Providing knowledge about online gold loan process

18. CUSTOMER DETAILS

19. SHOWING INVENTORY DETAILS

20. SHOWING Settlement AMT IF ANY

21. Showing ITEM & SCHEME DETAILS

22. Finalizing the loan amount

23. Finalizing the NET PAYMENT AMT

24. TRANSACTION CONFIRMATION

25. SUBMITTING APPLICATION AND AGREEMENT CONFIRMATION

26. OTP CONFIRMATION

27. FINAL CONFIRMATION and loan disbursal to customer Bank

28. SHOWING PAWN TICKET

29. NEXT…..
Changes in Branch Operations