1. Business Plan - 2008 Village Financial Services Private Limited (Established) Srijan Microfinance Business Plan Competition Final Round Presentations, July 3 rd , 2008

4. My Team Mr.Amit Kumar Das – Manager HRD He is Master Degree in Science and MBA in H.R. He is having 14 years experience in H.R in different industries and 1.5 years experience in Mf Sector.He is responsible for recruitment, training & development and performance appraisal. Mr.M.K Srivastava – Manager Finance & MIS He is graduate in Science and having 26 years experience in Banking Sector in different capacity and almost 3 years experience in Mf Sector.He is responsible for Fund Management, MIS analysis,Preparations of Balance Sheet, Submission of Returns,etc.

5. My Team Mr.D.K Sudhangshu – Manager Operation He is Master Degree in Social Science He is having 6 years experience out of which 3 years experience in different capacities of Mf Sector.Previous association was with BASIX. Overall management related to branch opening loan sanctioniing ,monitoring the activity of field person,insurance service handling,etc. Ms.Suchita Chatterjee – Manager Risk Management She is an MBA in Finance and pursuing BCA from IGNOU.Monitoring the loan A/cs along with trouble shooting activities at branch as well as field level.

6. Business Proposition

8. Business Concept 3. What We Do: Our speciality is credit worth of Rs.5000/--Rs.50,000/- for Income Generating Activity of poor people. by proper survey JLG groups are formed and based on their needs our employees disburse the loans & collect weekly payment from their home.The interest rate is 12.5% which is competitive. The service to those socio-economic backward people is simple,convenient,prompt, flexible and transparent. At V.F.S.P.L as on 31 st May,08 we helped almost 50,475 poor women to live their livelihood and make them smile.

9. Products and Methodologies Products : Presently we are dealing with 2 products, ie, General Loan and MEG Loan Methodologies : Potential Area Selection Introductory Meeting Group Training & Group Recognition Test Members Pass Test ; if failed Beginning of Financial Transactions Submission of Loan Forms Appraisal of Loan Forms Clearing for Disbursement

12. Competitors Working in 9 districts in West Bengal Society KDS Working in 6 districts in West Bengal Society Sahara Utsarga Working in 15 states including most of the districts in West Bengal NBFC SKS Working in 7 states including most of the districts in West Bengal Society & NBFC Bandhan Working Area Legal Status Competitors

17. Financial Analysis

18. Growth Projections In today’s competitive world, based on customer’s need a whole package of products are to be given in near future. Such as Top –up Loan, Agricultural Loan, Home Loan, Consumer Loan ,etc. Current (2008 -2009) Projected (2009 – 2010) Number of Clients 1,28,800 2,94,000 Portfolio Size 54.73 Crores 130.90 Crores Portfolio growth rate (CAGR) 219 % 645 % Geographical coverage (number of States, or Districts) 5 Districts 5 Districts Number of Branches 23 35

19. Financial Ratios Current ( 2008 - 2009) Projected 2010 Operating and administrative expenses/average gross turnover (%) 47.38 % 37.80 % Profit after Tax / Gross Turnover (%) 12 % 13.25 % Return on Assets (ROA) % 2.84 % 3.14 % Return on Net worth (RONW) % 12.71 % 14.63 % Debt to Equity ratio 6.10 5.95 Debt Requirement (INR) 55 Crores 125 Crores Equity Requirement (INR) 5 Crores 8.75 Crores

20. Management and Human Resources