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Achiievers Finance India (P) LtdPrivate Issue of Secured ,Rated, Listed, Redeemable Non-Convertible Debentures (NCD)
Issue open on Issue closes on
10th Jan 2019 15th Feb 2019
* H i g h e s t c o u p o n r a t e
INTEREST PER ANNUM *
Strictly Privileged, Private and Confidential- For Private Circulation only
Strictly Privileged, Private and Confidential- For Private Circulation only
Achiievers Finance India (P) Ltd
Earn Interest up
to 13.25% pa
Get Yield up to
13.99 %
pa
Double
within 5Years and
7 Months
Proposed to be listed with BSE
Credit Rating is IVR/BB (IVR Double B; Outlook Stable)
Issue Price is Rs.1,00,000 Per NCD
Minimum Application is 1 NCD (Rs. 1,00,000)
Private issue of Secured NCDs
Issues Opens : 10th Jan 2019 Issues Closes : 15th Feb 2019
Strictly Privileged, Private and Confidential- For Private Circulation only
Why invest in Achiievers Finance’s NCD
NCDs (Listed) FD/Corporate FDsAchiievers Finance’s
NCD (Listed)
LiquidityHighly liquid as it's listed on exchanges, investors can exit before maturity
FD/Corporate FDs Not listed on exchanges
Highly liquid as it's listed on exchange (BSE), investors can exit before maturity
Safety Backed by Company's AssetsMaximum insurance of Rs. 1 lakh only in case of banks
Backed by Company's Assets. Hence it is fullysecured.
Demat Yes No Yes
Rate of Interest 9.6 % to 11.6% 5.75 % to 7.35 % 12.6 % to 13.25%
Interest Rate Risk
No Risk No RiskNo Risk, as it is come with fixed coupon rate
Compar ison
Strictly Privileged, Private and Confidential- For Private Circulation only
Achiievers Group is an operation since last nineteen years, formed with an objective to provide ONE STOP FINANCIALSOLUTIONS to its customers. We aim to provide comprehensive financial service to our stakeholders under the single umbrellaof “ACHIIEVERS”. The services are offered under total confidentiality and integrity with the sole purpose of maximizing returnto clients.
ABOUT US
Growth has no limit, keep revising your vision.Only when you can dream it, you can do it.If you have a dream to make it big, Achiievers is the partner you have been looking for it.We will not only help you conquer your dream but also make the journey simple, comfortable and unique. ”
”Mutual Funds Equities Gold Loan Derivatives SIP InsuranceCommodity IPO Currency24*7 Support
“It is our vision to be one of India’s leading financial conglomerates, offering complete financial solutions that encompass everysphere of life”. We seek to be trusted, admired and respected among all the stakeholders, customers, employees, regulators,share holders and the community at large. We wish to achieve our vision by only doing what´s right.
Suman ChakrvartyFounder, MD and CEO
Strictly Privileged, Private and Confidential- For Private Circulation only
Our Mission, Vision & Core Values
Mission“We aspire to become a
pioneering and forward-looking organization that is collaborative, nimble, innovative and responsive to the changing needs of ourclients.”
Vision“It is our vision to be one of India’s leading financial conglomerates, offering complete financial solutions that encompass every sphere of life.” We wish to achieve our vision by only doing what´s right.
Core Value“We conduct our business fairly with transparency & honesty. With full responsibility and sensibility we achieve highest possible standard in our day to day work. We are compassionate and respectful towards customers.”
As a GroupWe envision to reach every 2nd
household in the country in the next 10 years
Strictly Privileged, Private and Confidential- For Private Circulation only
1999
Started our operations as Sub Broker
2003
Become the sub broker of ICICI Direct
2008
Took membership of MCX under Achievers Commercial Pvt Ltd
2009Incorporated ACHIIEVERS EQUITIES LTD
2010
We took membership of leading exchanges like NSE, BSE etc.
2011
Became a member of
CDSL
2012
Reached 10,000 Client
Base
2013
Started our NBFC arm ACHIIEVERSQUICK GOLD LOAN. Starting with Thakurpukur Gold Loan Branch on July 2013
2014Reached20,000 customers.In the month of Feb’ 14 & Sep’ 14. We started two new gold loan branches at Kakdwip & Baruipur respectively
2016
Achieved 1,000cr.Turnover in a day.In the month of May we started new gold loan branch at Canning
20172018
Launched Online Mutual Fund. Started
a new venture in Singapore
2019
Recently started our 7th Gold
loan branch at Jadavpur
Ou
r jo
urn
ey&
Succ
ess
Sto
rie
s
In the month of June & Aug we started two
new gold loan branches at Diamond Harbour &
Fulia
Reached
40,000 Client BaseAs a Group
IRDA certificate
registration –Corporate
Agent for
Reached 200cr.
AUM (at Group level)
Strictly Privileged, Private and Confidential- For Private Circulation only
Achiievers Grouphas two verticals
Lending against Gold Jewellery
• Achiievers Finance India (P) Ltd
Financial Service and Solutions
• Achiievers Equities Ltd• Achievers Commercial Pvt Ltd• R N Advisory Services Pvt Ltd• Achiievers Wealth Advisors Pvt Ltd• Achiievers Infrastructure Pvt Ltd• Achiievers PTE Ltd (Singapore)
Strictly Privileged, Private and Confidential- For Private Circulation only
AchiieversGroup
Achievers
Commercial
Pvt Ltd
Achiievers
Infrastructure
Pvt Ltd
Achiievers
Wealth Advisors
Pvt Ltd
Achiievers
Finance India
( P) Ltd
Achiievers
Equities Ltd
R N Advisory
Services
Pvt Ltd
Facilitates Commodity Trading & Research Activity
• Equity & Currency Trading
• Demat• Insurance• Mutual Fund &
IPO• Research
Activity
• Finance against Gold Ornaments
• Money Transfer
• Selling of Gold Ornaments
• Online Tour & Travel Services
Financial & Insurance
Construction of buildings TH
E A
CH
IIEV
ERS
GR
OU
P
• Financial & Insurance
• Mutual Fund
ACHIIEVERS PTE
LTD (Singapore)
Financial solutions & financial advisory services
Strictly Privileged, Private and Confidential- For Private Circulation only
Cities, towns, and
villages, pan IndiaTrading centers
& Branch’s
Business partners
& Agent’s
throughout India
“Facts don’t lie, you can trust the reasons why our clients stay with us.”
Turnover/day in retail
Client base across the
countryyears of collective
experience
Asset under Management
Strictly Privileged, Private and Confidential- For Private Circulation only
Achiievers Finance India (P) LtdA Lending Arm of Achiievers Group
• NBFC based out of the state West Bengal, Kolkata. Built on the
solid foundations of complete transparency, safety & honesty
in all it’s business dealings. The Company promotes financial
inclusion by facilitating lending to the poorest poor in India’s
Eastern heartland
• The business operates out of 7 standalone branches in and
around Kolkata.
• The Business offers a massive EBITDA margin of approx. 52%
with a huge margin of safety to protect against any business
risk.
• Business is professionally managed with an impeccable team.
All regulatory rules & norms set out by the RBI are followed
thoroughly.
• The Company at individual level have surpassed INR 1000
Lakhs AUM in a short span of time.
• The Company is in Profitability since Inception with almost zero
NPA. Key Financial Terms & Ratios are very much appreciable
in the industry
2015-16 2016-17 2017-18 CAGR* (%)
Revenue 138 152 232 56
EBITDA 70 67 121 74
Operating Profit (EBIT)
65 63 115 79
Profit After Tax(PAT)
19 22 26 162
Capital Adequacy Ratio (%)
40 69 47
Asset Under Management (AUM)
551 674 1,007 70
Collateral Value of Gold
890 1,201 1,709 364
Values in LakhsEmpowering Rural India
Strictly Privileged, Private and Confidential- For Private Circulation only
Achiievers Equities LtdIndia's Innovative Discount Broker
Achiievers Equities Ltd (AEL) revolutionized the broking industry with our principles of transparency, honesty, and
integrity. We are customer centric, innovative, unique and responds to the changing needs of our clients. With an
objective of being a full-service brokerage house and to provide comprehensive advisory services to its clients, which
enables managing complete financial planning needs.
We have expertise in Mutual Fund, Bonds, IPO, Corporate Fixed deposit, Insurance. The organization is registered
with almost all the prominent Exchanges in India like NSE, BSE, MCX, ACE, USD.
The company introduced innovative Zero Brokerage Plan to say goodbye to traditional brokerage plans and
change the rules of the game in the market and since then has shaken up traditional brokerage market.
Revenue for the year March, 2017 & 2018 stands at Rs.244.50* Lakhs & Rs.245.04* Lakhs respectively.
During the FY 2017-18, EBITD has increased by 120% from Rs.19.49* Lakhs (March 2017) to 35.75* Lakhs
(March 2018)
AEL at individual level serves over 20,000 & more clients, including corporate and institutions, high net worth families
and individuals, and retail investors.
It operates with the network of 300+ trading centers through out India and all these activities are coordinated from
corporate office located at Kolkata, West Bengal.
Key Financials
*Audited figures of financial services group are considered Strictly Privileged, Private and Confidential- For Private Circulation only
Social Impact
“We look to deliver profit with positive social impact which is embeddedin each of our ventures or partnered with”
I. Reduce poverty and vulnerability among the poorII. Extend appropriate financial services to underserved
areas or to persons previously excluded from the bankingsector
III. Support micro and small enterprisesIV. Contribute to gender equityV. Help bring marginal groups into mainstream societyVI. This business fulfills the financial inclusion, priority of the
business and helps convert a non-productive asset intoan economy driver.
Strictly Privileged, Private and Confidential- For Private Circulation only
Membership & Registration
08
06
National Stock Exchange of India Limited.Cash REG.NO.-INB231395832Currency REG.NO.-INE231395832F&O REG.NO.-INF231395832
Member/ Registration Bombay Stock ExchangeLimited.Cash REG.NO.-INB011395838Currency REG.NO.-INE011395838F&O REG.NO.-INF011395838
Member/ Registration Multi Commodity Exchange Ltd.FMC NO.-MCX/TM/CORP/1610
Member/ Registration Metropolitan Stock Exchange of India LimitedREG.NO.-INE261395839
Member/ Registration Delhi Stock Exchange Ltd.Exchange REG.NO.-INB051395839
Member/ Registration of Central DepositoryService(India) LimitedDPID: 73100
RBI registered Non-Banking Financial CompanyRegistered no. :B-05.04264
Register/ Registration of Corporate Agents
Registration No: CA0596
Member/ Registration of Association of mutual fund in IndiaARN holder No.: 40616ARN holder No. : 93373
Strictly Privileged, Private and Confidential- For Private Circulation only
Our International Presence in Singapore
OU
RFO
OTP
RIN
TSWe are in 850+ Cities, Towns and
Villages in India
Strictly Privileged, Private and Confidential- For Private Circulation only
Awards & Accolades
08
07
06
05
Best SME of the Year, 2015 Most Admired Brand for Financial Solutions in West Bengal, 2015
Best Financial Service Provider, 2015
The Bengal Entrepreneurship Award, 2015
Most Admired Brand for Financial Advisory in West Bengal, 2016
Most Admired Brand for Gold Loan in West Bengal, 2016
The Bengal Entrepreneurship Award,2016 (Achiievers Equities Ltd)
The Bengal Entrepreneurship Award, 2016 (Achiievers Quick
Gold Loan)
Strictly Privileged, Private and Confidential- For Private Circulation only
Awards & Accolades
08
07
06
05University of Engineering & Management
Award of Excellence 2017
The 10 Most Admired Financial Leaders to Watch in 2017
Doctor Of Philosophy In Management (HONORIS CAUSA)
2017
Awarded as the CEO of The Month‘The CEO Magazine’ 2016
Order of Merit Year 2017
Awarded by Multi Commodity Exchange in 2018
Strictly Privileged, Private and Confidential- For Private Circulation only
Our Strength is Our Team
Strictly Privileged, Private and Confidential- For Private Circulation only
Strictly Privileged, Private and Confidential- For Private Circulation only
Achiievers GroupReg. Office: 32/A,
Diamond Harbour Road,Shakerbazar,
Kolkata 700008 Tel: 033 2445 6442/66063000
Fax: 033 6606 3041
www.achiieversequitiesltd.inwww.achiieversequitiesltd.com
Strictly Privileged, Private and Confidential- For Private Circulation only