Business Investment Opportunities in Kolkata

What we are: A multi-national currency cross-border payment system and neo-bank with no physical branches, offering real-time global settlement in multiple currencies. It serves as a UPI aggregator and collaborates with major banks, payment partners, and card brands. They use a secured token offering and provide multiple banking apps for seamless payments. A multi-national currency cross-border payment system enables real-time currency exchange and settlement for individuals and businesses across different countries. It offers instant currency conversion, and compliance with international regulations, and empowers users in global finance and trade. Business is yet to kick-start operations. Not required to be registered under SEBI. Revenue model for our multi-national currency cross-border payments system: 1. Transaction fees: Charge a small percentage or a flat fee on each transaction conducted through the platform. 2. Merchant services: Earn fees from businesses for payment processing, POS systems, and e-commerce integrations. 3. Subscription plans: Offer premium or subscription-based plans for individual users and businesses, providing added features for a fee. 4. Interchange fees: Earn a portion of the interchange fees paid by merchants' banks for processing card transactions. 5. Currency conversion fees: Charge fees or markups on foreign exchange rates for international transactions and currency conversion. 6. Lending and credit services: Offer lending and credit products, earning interest and fees. 7. Investment and wealth management: Provide investment and wealth management services, earning fees based on assets under management and transaction fees. 8. Data monetization: Analyze transaction data and user behaviour, monetizing data by selling aggregated and anonymized information to third parties. 9. Partnerships and affiliates: Earn referral fees or commissions through partnerships with other businesses. 10. API access fees: Offer APIs for integration and charge usage-based fees or licensing fees. 11. Cross-selling financial products: Cross-sell other financial products like insurance or prepaid cards, earning commissions or fees. 12. Ad revenue: Display advertisements within the platform and earn revenue from advertisers. Neo-bank. A neobank, or digital bank, is a fintech company that operates solely online or through mobile apps, lacking physical branches. Neobanks focus on enhancing customer experiences by leveraging technology to streamline operations, lower costs, and offer a wide range of financial services. They often target specific niches or customer segments and can collaborate with traditional financial institutions. Key characteristics include: - Online-only operation. - Technological emphasis on convenience and efficiency. - Services like savings accounts, payment processing, lending, and budgeting tools. - Accessibility, user-friendly interfaces. Revenue model for our neo-bank: 1. Net interest margin (NIM): Generate revenue by lending deposits held in customer accounts, earning interest on loans. 2. Lending services: Offer personal loans, consumer credit, or small business loans and earn revenue from interest rates and associated fees. 3. Deposit fees: Charge fees for specific services like overdraft protection, wire transfers, or expedited card replacement. 4. Subscription plans: Provide premium or subscription-based plans with added features for a fee. 5. Card issuance and usage fees: Earn fees from card issuance, usage fees, and foreign exchange fees. 6. Merchant services: Offer payment processing and POS solutions to businesses and charge fees. 7. Investment services: Offer investment products and earn revenue through trading commissions and asset management fees. 8. Currency conversion fees: Charge fees or apply a markup on foreign exchange rates. 9. Partner commissions: Earn commissions for facilitating partnerships with fintech companies. 10. Cross-selling financial products: Promote and sell other financial products and earn commissions or referral fees. 11. Data monetization: Analyze customer transaction data and provide insights to businesses, generating revenue. 12. Affiliate marketing: Participate in affiliate marketing programs and earn commissions for referrals. 13. Interchange fees: Earn a portion of the interchange fees paid by merchants for processing card transactions. 14. ATM access fees: Charge fees for ATM cash withdrawals at out-of-network ATMs.

The business serves over 800 clients to date. - Every month we add 30 new clients and are rated 4.2 on the Google reviews. - The business receives around 5-7 customers daily. - We perform around 5-6 surgeries in a month. - The cost of surgery can range from INR 15k - INR 25k. - Majority of our revenue is from the clinics and the rest is from the pet shops and grooming centres. - The pet shop has around 7-8 suppliers. - The promotor has an experience of 17-18 years in this industry. - We have doctors with 30+ years of experience in the clinic. - The investment will be used to open up new clinics and also hire more doctors. - We are also planning to introduce 24/7 care. - There are 2 full-time doctors in the clinic.

The business serves over 800 clients to date. - Every month we add 30 new clients and are rated 4.2 on the Google reviews. - The business receives around 5-7 customers daily. - We perform around 5-6 surgeries in a month. - The cost of surgery can range from INR 15k - INR 25k. - Majority of our revenue is from the clinics and the rest is from the pet shops and grooming centres. - The pet shop has around 7-8 suppliers. - The promotor has an experience of 17-18 years in this industry. - We have doctors with 30+ years of experience in the clinic. - The investment will be used to open up new clinics and also hire more doctors. - We are also planning to introduce 24/7 care. - There are 2 full-time doctors in the clinic.

Biscuit manufacturer exclusively doing job work for companies like Sobisco and Bhagwati Foods. - Currently doing job work for Bhagwati Foods. - We earlier had a production capacity of 600 tonnes, and three years back added another production line and increased the capacity. - Currently installed capacity is 1,200-1,300 tonnes per month. - Only 50% of capacity is being used right now. - We are not able to recover the CapEx on expansion. The expansion was done after our existing clients had forecasted increased demand. - Both production lines can produce almost any type of biscuit - Marie, cream-based, and butter biscuits. - Investor will get a 40% stake in our company and its physical assets.

Omni-channel meat startup that receives 6.4k+ orders in a month. - 4 operational outlets. (2 out of 4 outlets have been franchised) - Company-owned farm to produce 7,000+ (approx 12,500 kgs) chicken every production cycle. - Tie-ups with 2 3rd party farmers. - The loading is done when the chicken is of weight of 1.9 kgs to 2 kgs. - Production incentive is paid to the farmers based on the weight of the poultry. - 5% of our revenue is through the online business, this is because we are targeting suburbs as this is a very big market. - The business caters to local stores and also premium stores.

• The business made total sales of INR 29.5+ lakh 2 years ago. Last financial year, we did total sales of INR 93.5+ lakh. And in the current financial year, our total sales stand at INR 1.29+ crores. We will make more than 1.40+ crores this financial year. • We are a GMP & ISO 9001:2015 certified pharma marketing company based in Kolkata, West Bengal. Our company was incorporated 4 years ago and we started operations mainly 3 years ago. • We have over 550+ doctors prescribing our medicines from our portfolio. We are focused on orthopaedics, gynaecologists, and physicians. We have served more than 3+ lakh patients. • We mainly operate in two states of Eastern India - West Bengal and Assam. • Our distributors and stockists network is organized effectively and efficiently. • We have medicines marketed and sold under our brand name, and we sell about 16 products (7 registered trademarks) as brands. • All of our medicine manufacturers are WHO, GMP & ISO certified. • We have an efficient and operational field force with NSM, RSM, ASM, TDE, MR, and TMR. • Our directors & managers have vast experience of about 30+ years. • The business has achieved extraordinary growth in a short period without any outside investments or external loans, and the entire credit for this success goes to the committed field force, managers, and management team. • The business is registered in Krishnanagar but we have a rented office in Kolkata & a virtual office in Mumbai. We mainly operate from Kolkata.

The company wants to start its own bottled drinking water. - Owner has 5 years of experience in sales of the FMGC industry. - All the documentation required for operations is ready. - The company is not making any sales at present.

Manufacturer and supplier of cleaning supplies such as sanitizes, phenyl, dish wash gels, and toilet cleaners under our own brand. - We also manufacture white-label products for other brands. - We have a total manufacturing capacity of 2,000 pieces per day. - Our major clients include Kolkata Metro Railway, Swasthya Bhawan, Kolkata General Post Office, Army Hospital, and many more govt and private sector clients. - We also have distributors across India to supply our products to retailers. - The promoter is the majority shareholder and the other director is his mother. - Business does not have any debts or liabilities.

Kolkata based company specializing in manufacturing decorative doors, frames, choukhat and panels. - The demand is far greater than the supply of our products. - This is one of the segments without competition and we aim to become the first known brand in the door industry. - Have a distribution network across East India. - We also supply to property developers, construction companies and contractors. - We have the capacity to produce 800 doors every day and we utilise 25% of the capacity. - Company has 2 directors of the same family with equal shares. - Have an active bank loan.

We are a well established medical store with market presence of more than 40 years. - Serving all kinds of genuine medical and surgical products at a reasonable rate. - Store is located opposite to a hospital, it is the heart of business district with close proximity to a railway station and bus depot. - We have multiple product categories and 25 suppliers. - Average footfall is more than 100 customers per day. - We provide 24 hours service to customers with home delivery but the routine business has been affected by the pandemic. - Promoter has 24 years of experience in this field and the company is debt free. - This is an equal partnership firm between the promoter and his wife.

We are a specialized pharmacy and deal in the sale of medicines for diabetic patients, nephrology, hypertension, orthopaedic, vaccines, and oncology. - Our business had an annual turnover of INR 1.15 crore last year and we achieved this in just 3 years of operations. - On a monthly basis we receive over 500 customers. We have a high customer repeat rate. - We have tie-ups with 10+ suppliers from whom we source our products from. - These suppliers include all major insulin company tie-ups and we are in negotiation with Pfizer for vaccines. - The company is registered in Midnapore but the pharmacy is located in Kolkata. - Business was earlier operating a general partnership and has been converted into a private limited company so that we can offer equity to an investor.

We teach and train students and professionals in different countries. - Major clientele is in the USA, Kuwait, Australia, and Saudi Arabia. - We provide live tutoring, assignment help, professional and business-related help, and business plan development. - Have been in this business for the last 12 years with our only source of promotion being word of mouth. - We have experts in 20+ fields of subjects where we provide live tutoring and assignment help. - Have 400 - 500 enrolled students at any point in time. - All classes are conducted online. We do not have a website and one is under development. - We want to further expand our business mainly in the United States, the United Kingdom, Australia, and the Middle East. - Company will invest this money in marketing and to build a bigger working space. - The company has 2 owners with equal ownership. - Company has no outstanding loans or history of borrowing.

Our cafe is one of the best cafes in the Kolkata, with two outlets in Salt Lake and Jadavpur area. - We have also established our coffee and beverage QSR under our brand name which we plan to expand in a coffee chain format. - Business is associated with Zomato, Swiggy for online delivery orders. - We serve around 100 to 150 online orders every day. - On average, the business receives 90 to 100 customers every day. - Our cafe has a 4.2 rating in Zomato, and a 4.1 in Swiggy. - Business has a seating capacity for 100 people at once combining both the cafes. - We serve over 200 food and beverage items on our menu. - Due to the Covid-19 lockdown our business was affected, but we are recovering very well now and have opened a second outlet. - The promoter has 6 years of experience in the cafe business along with a sales, marketing, and strategy background as part of his MNC work experience.