Presentation on

1
Group II Presentation on Products, Services
Delivery Channels
2
Prerequisites

• Sectoral Study to identify industry benchmarks
• Identification of Potential Sector, Market Size
  Target Market
• Designing Product features meeting market
  requirements
• Tailor facilities mix suiting to customer needs
• Risk management through data checks, market
  sources
• Relationship Management

3
Product development

• Vendor financing
• Working capital finance and trade finance
• Recommended loan size 20 million
• Vendors of the corporate business entity having
  annual turn over of Rs. 500 million Above
• Credit references from principal corporate
  companies

4
Delivery Channels

• Specified branches with dedicated SME counters
  through personnel relationship management
• Dedicated Sales team
• Marketing through trade/industry associations

5
Services

• Quick Turnaround time
• shortest possible processing Approval time
• simplified terms conditions
• standardized processing charges
• Minimal processing charges
• IT enable environment to handle the volume

6
Recommendations

• Outsource Credit checking
• RD Department to conduct research on continuous
  basis
• Sharing of data from standard research carried
  out by SMEDA
• Training to change the mindset of sales force
• Amendments in the present SME definition to make
  it more broad based
• Restructuring of income tax rules to built up
  businessmen confidence