Financial Distributors Businesses for Sale and Investment in India

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.

Paygyft is a loyalty aggregator company launched recently to provide the best & simplest way to increase customer loyalty. We provide guaranteed real cashback to users for all transactions. We offer Paygyft card to users and it can be used for various purposes like shopping, utility bill payments, e-commerce, booking movie tickets, DTH recharge and many more. Card can also be used to withdraw cash from ATMs. Recently launched our application on Google Store and Apple App Store and seeing healthy downloads. Sales partner should talk to users and businesses to use our payment services and receive commission for the entire district or state as per the format chosen. Would like to expand our reach across India.

Paygyft is a loyalty aggregator company launched recently to provide the best & simplest way to increase customer loyalty. We provide guaranteed real cashback to users for all transactions. We offer Paygyft card to users and it can be used for various purposes like shopping, utility bill payments, e-commerce, booking movie tickets, DTH recharge and many more. Card can also be used to withdraw cash from ATMs. Recently launched our application on Google Store and Apple App Store and seeing healthy downloads. Sales partner should talk to users and businesses to use our payment services and receive commission for the entire district or state as per the format chosen. Would like to expand our reach across India.

Vpayhub aims to improve convenience in the digital payments space. We aim to provide a cost-effective and reliable Point Of Sales (POS) and Payment Gateway Solution to merchants irrespective of the size, stature and nature of their business. We have a range of both hardware POS machines along with software solutions. Backed by the best working professionals from the payment space, we aim to cater to both the organised & unorganised sectors of payment industries in India. We have a very strong partner network across the globe and focus primarily on rural areas of India by providing smart payment terminals along with a sales and support team, enabling rural areas to access the digital front. We are looking to expand our presence throughout India by signing up re-sellers for our products.

Five year old company specializing in offering online payment services. - We have more than 10,000 users as of now. - Users are end customers who want to pay bills and recharge. - Promoters have 17 years of international experience in the tech and banking sectors. - Company has 4 directors with 50%, 25%, 15% and 10% split. - Business has no liability. - Revenue is generated from commissions. - Company is registered in Kerala but operations are in Bangalore. - We are still in the break-even stage as we are focussing on growth at the moment. - We are witnessing over 300% growth in revenue as we are expanding our services and location.

Business provides an InsurTech platform to connect Insurance brands with their policyholders, in order to enable them to retain and engage their customers. - Have 2 companies on the platform, in touch with many Insurance players, adv level talks for onboarding. - The companies are Tata AIA, DHFL Pramerica, and many Insurance brokers using. - Platform has around 70,000 users for enhanced CX. - Revenue is partially generated through commission charged on payments done through the platform and majorly by companies paying a fee to use the platform. - Business is owned by 2 people with almost equal shares, cofounders IIT graduates. - The business is debt-free. - Business is registered in New Delhi but is headquartered in Noida.

ABOUT US. Rural Payment Solution Pvt Ltd is focused on developing Rural - Urban Digital Connect, as well as The project is aimed at promoting well being of Rural India by giving them benefit of facility & quality and also to expose them to modern digital retail experience. This is in line with the government policy of creating digital India (Rural India). The project envisages setting up at (RPS DIGITAL STORE) in all the Gram Panchayats of India local Village Level Entrepreneur’s. WHY RURAL INDIA. The hinterland of India consist of about 640,867 villages with 833.1 million consumers making up for about 68.84% per cent of population with limited or no access to Digital Technology after Demonetization very few have access to the Digital Payments and various types of doing payments that is available for the ease of a common man where as in rural still there is a lack of the knowledge and awareness of the payment methods. Rural Payment Solution Pvt Ltd focusing on these conditions has started opening the Digital Stores in the brand name of (RPS DIGITAL STORE) As a pilot project we aim to build 2020 (Two Thousand and Twenty) villages’ digital on or before the year 2019. Starting with a compelling Vision to be the Largest Digital Store by reaching 68.84% population of India population in the brand name of (RPS DIGITAL STORE) to be digital touch point for rural India and highly focused to acess technology in Digital Payments. Government Initiatives to accelerate Digital Infrastructure. A, 250000 Gram Panchayat cluster of optical fiber cable. B, Virtual mobile network. C, Common Service Centers. D, Digitization of Post Offices. E, Strengthening of Business process outsourcing. How Big Is Rural INDIA. (Big Ecommerce and Payment Companies in cities and town) A. High literacy rate. B. 3G / 4G connectivity. C. Credit Cards and Bank Accounts. D. E-Commerce Access. Rps digital store target people in rural India (68.84% Population) A, No 3G / 4G. B Poor awareness. C. Cash payments (where we look towards the digital payments)

We help corporates basically insurance companies in enhancing their sales activities. - We have around 25 employees who visit door to door to sell financial products. - We are working with SBI Life insurance, Birla Sun life insurance, Future Generali life insurance. - Revenue model: We get commission from the insurance companies for each sale.

Consulting firm based in Hyderabad specialized in disbursal of loans for companies. - We associate with NBFCs and banks to source business loans through tele calling and digital marketing. - Revenue is generated by charging commissions on each loan disbursed. About 3% - 4% is charged from the total loan amount. - On an average, 10 business loans are disbursed each month. - Majority of our client base are manufacturers and distributors from Hyderabad. The client must be a business owner for at least 3 years to be able to qualify. - We have GST certificate, Udyam, labor license and telecom license. - Having a 2 lakh client data base and good number of repeat customers. - Promoter has 15 years experience and good relationships with bankers. - Received appreciation letters from bankers and are registered with Federation of Telangana chamber of commerce and industry.

B2B insurance broking company. - We have about 300+ SME and mid-corporate clients, now developing new products and technology around opportunities in the market. - We are a team of about 70 people with a presence across 5 locations in India. - Our corporate sales team constantly works to onboard clients. - IRDAI licensed insurance brokers. - We earn revenue through commission on the sale of insurance to businesses. - The company has two shareholders and each of them has a 50% stake. - Pending office property loan of INR 2.75 crore. - Our sales have not reduced, we see an increase in sales in the months of July, August, and September.