Business Investment Opportunities

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 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 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.

Kolkata-based business, specializes in manufacturing veterinary feed supplements with a robust 29-year market presence. - The company boasts a production capacity of 30,000 bottles (100 ml each) per month, catering to the increasing demand in the West Bengal region. - With a diverse product line including tenz syrup, bronco-safe syrup, livervet syrup, and calcium syrup, we serve primary customers such as cattle farms, goatery, and piggery farmers. - A strong distribution network of over 30 distributors across West Bengal ensures widespread accessibility and reach. - The company is officially registered with GST certification, affirming its compliance with tax regulations and enhancing its operational legitimacy. - Operates with a workforce of 25 dedicated employees, driving the business’s production and distribution efforts. - As a veteran in the veterinary supplements industry, we continue to explore growth avenues while maintaining its reputation for quality in the regional market.

Company plans to trade in dolomite, quarts, and manganese ore. - We aim to supply six steel plant companies, with current orders already secured. - We have established partnerships with two key suppliers in Bhutan. - We are fully licensed with GST and incorporation certificates. - Our promoters bring 30 years of industry experience to the company. - Operations will begin following the completion of our funding process. - We are also preparing to start mining our own minerals in the near future.

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.

Business is a manufacturer and exporter of certified 925 Silver jewellery and fashion Jewellery. - We have our own design jewellery and we also manufacture and design custom jewellery on a request basis. - Receive 100+ orders on a monthly basis and the orders made through phone calls, Facebook, and Instagram. - We also receive orders from UAE, Australia and the US, and have a tie-up with a delivery partner that enables us to export our products worldwide. - Promoter has 45+ years of industry experience and is planning to start an eCommerce platform and multi-national retail chain outlets throughout to expand the business. - Business owned assets include the manufacturing facility, office property, and equipment.

Company manufactures innovative anti-rust coating and admixtures under its own brand. - Have a small scale manufacturing unit with a production capacity of 5-6 MT per month. We generally utilize only 30% of this capacity. - We supply our products to retailers and project contractors. Have 45-50 retail clients and 10-15 major contractors. - We are also the OEM manufacturer for 2-3 clients. - More than 80% of the revenue is from project contractors since they order in bulk. - Our operations were closed for 3 - 4 months due to COVID and we have just resumed operations. - Promoter has over 9 years of industry experience.

We are a recruitment and staffing solutions provider, with plans to launch an AI-powered recruitment platform featuring an in-house LLM/NLP model. Partnering with leading multinational clients, we deliver high-quality manpower services, specializing in direct hiring and contract staffing across IT and non-IT sectors, tailored to diverse industry needs. Currently serving 20 esteemed clients, including 10 global MNCs, our revenue model is grounded in staffing services, providing a strong foundation as we expand into IT solutions and SaaS-based products. Led by a promoter with deep industry expertise and a strategic growth vision, we aim to evolve into a full-fledged IT services and product company. Our future strategy focuses on enhancing recruitment capabilities and developing innovative SaaS offerings, positioning us for sustained growth. We are a GST and CIN-registered company committed to transparency, quality, and continuous innovation. The acquisition of new clients over the past 3–4 months has led to a significant increase in our company’s monthly sales.