SS_PPT_291013

WELCOME TO THE WONDERFUL WORLD

WHERE YOUR BUSINESS IS TO BRING SMILE ……!

P-2Presentation by BDM for selection of CP

The scenario what you are seeing here is the common site and we ourselves have also suffered these kinds of situation many times.

Thousands of Indian citizen go through such conditions in want of various livelihood and services essential for a better life & the experience is definitely not very good and traumatize individuals forever.

After the 66 years of independence can we endeavour to provide something that can bring about changes to this scenario and turn such trauma to HAPPY AND JOYFUL EXPERIENCES.

The Scenario

NICT TPL has a mission to create

a strong network of social

entrepreneurs who will do

sustainable business for common

good.

On one hand they can get

employment and on other they

can provide services to the citizen

for better life in a conducive

environment where availing

services is a

“Happy and joyful

experience”

The change which we want you to be the part …… !

The Scenario

Gone are the days where for railway reservation and enquiry one had to wait in long queue.

Banking transaction had to be done between 10 AM to 3 PM by standing in the long queues.

All such services are now made available at

In association with the principle service providers, thereby cutting short the trauma of standing in long queues in non conducive environments.

The Business

As a channel partner you will be acting as a catalyst in empowering and facilitating the citizens through your Service Delivery Point (SDP) network right up to the door step of the citizen, thus contributing to the NICT mission

“citizen services a joyful experience with smile”

Welcome to the wonderful world of service business where your business is to do the things which make others’ life better.

Citizen

The Business

Channel

Partner

SDP

With a changing trend in governance and services where customers satisfaction is the focus and pivot of the business, with the increasing demand of better services from government or better services from business organizations.

The organizations are now intending to open a customer linkage point to increase their reach among the customers to have maximum market share.

The approach of the government face is also changing from governance to service orientation and in this direction one of the major steps and initiatives have been the implementation of national e-governance and passing of electronic service delivery bill by government of India.

State governments have also launched their citizen service initiatives like Lok Seva Kendra’s, CSC and many more.

The monopolistic services like Railway ticket reservation and banking was previously been handled by railways & banks, are also now made available at the door step of people by using information technology and people need not go the railway station & bank.

The Business

With the busting population, with youth population migrating to seek employment across country, leaving their traditional joint family and native place behind.

This has resulted in the emergence of several micro a nuclear families, with working husband and wife as well as the aging parents left at the native place as senior citizens to face challenges in availing various services which are essential for today’s life.

This breaking up of families due to migration and job opportunities & the growing need for services at the door step has given birth to a altogether new business opportunities where the services can be made available to them in a conducive & comfortable environment, where they can get services like railway reservation, information, banking, financial, insurance services & many other services under one roof.

This situation prevail both in rural and urban areas.

Keeping this scenario in view banks are now pro actively opening ultra small branch or a banking kiosk in order to maximum their business.

As per market reports the consumer/citizen/client is looking for value of their time and money & is highly motivated to avail the services in a manner where he can conserve on his time and money and “here comes the big opportunity“ NICT Service Shoppee.

The Business

The service sector, accounting for 60 percent of Gross Domestic Product (GDP) grew @ 5% in Financial Year 13.

The Indian Service Industry has emerged as one of the largest and fastest growing sector, has made substantial contribution in employment, growing at faster pace than manufacturing and agriculture.

Community, social and personal services have expanded and grew by 6.6% in 2012-13.

With the development of internet and computer usage e-Commerce and Internet base services are the fastest growing area.

With government initiatives in Electronic Service Delivery and their decision to hike FDI, more banks, Insurance organizations and government services are likely to be made available through Online distribution channels.

This will help consumers/citizen in getting services timely on demand, it will be economical to function through delivery channels for companies & government.

*Source National Survey

The Business

There comes …..!

The People

With a vision of “Bridging the gap, digital or otherwise & improvement in the socio-economic scenario for all classes of people” NICT Technologies Private Limited was established in 2003.

It is continuously working forward to achieve its motto of bringing better citizen services through techno-sociological phenomenon called “Information Technology”.

Working with principle service providers like various government department, banks and public sector organizations, Today NICT group has touched the life of more than

35,00,000 people bring smile on their faces and are regular happy subscriber of NICT services experiencing joyful and happy delivery of citizen services.

We believe in inclusive growth and our endeavour is to create a entrepreneurial network and more than

3,000

of such successful entrepreneurs which we have are the assets of the organization bringing change with smile in the life of people.

At NICT our endeavour to master implementation of projects as time has come to venture out from the Pilot Projects mode to implementation of projects for benefit of citizens at large.

Our dedicated team “K the Karma” is at your service to ensure proper navigation to sail you through tides, ensuring sustainable business propagation.

The People

The K man on the go what may come

• Working in the area of ICT4D, since 2001. NICT

group has ventured several multi-location projects.

• ISO 9001:2008 certified organization.

• Revenue base -- More than Rs. 45 cr.

• Specialization --- Implimentation of projects.

• Skill -- end to end solution for ICT based

developmental projects, e-governance, skill

development & education, banking, citizen

services.

• Financial inclusion, IT facility management,

hardware and software, utility services.

• Special skills -- Government and ICT projects.

• Existence -- Pan India with center and spokes right

up to village level.

The PeopleNICT Group

Our Clients

SHARADA Project in association with Municipal Corporation Delhi 24 Cr.

Project Value

Free computer education Project in

association with Department of School Education, Haryana• 33 + 55 schools project value 10.80 cr.• 1240 schools Project

value 30.72 cr.• 2622 school – Project

value 85.90 cr.

National Council for Promotion of Urdu Language

(NCPUL) - Ministry of

Human Resource Development

Govt. of India – Project value 15

cr.

Schools Education Department CAL in 645 schools of South Gujarat with Core Projects Ltd. – Project value 4.02 cr.

SAMADHAN Project in association with District Administration Indore Project value 3.75 Cr.

Common Service Center Project in Association

with GoI & M.P. Government & MPSEDC –

Project value 20 cr.

Schools Education Department

CAL in 3121 schools of SSA Gujarat with Core Projects

Ltd. – Project value 31.56 cr.

Principle Service Provider & Associates

• State Bank of India• Bank of India• Indore Nagar Nigam• Aadhaar• MPEB • MPOnline• IRCTC• CSC e-Governance Service• PAN Card• Telecom• PFRDA• Utility Bill Payments• Insurance• Retail

NICT Group - Accolades

KIOSK BankingSkoch 2011 Financial

Inclusion

KIOSK BankingMAP_IT Excellence

Award

2013 WSIS Award at Geneva

For Project ShakshamDistribution of Old age

PensionUnder PPP model with BoI

2012 WSIS Award at Geneva

For Project Samadhan under PPP with District Administration Indore

Skoch 2010 AwardFor Computerized Bill Collection and Online Remittance System

e-India 2009 Award under e-gov. civil society/development agency initiative of the year

for CSC Project

RBI, Honourable Governor Mr. D. Subbarao visiting

NICT Stall with CMD, BOI, Mrs. V.R. Iyer.

Mrs. V.R Iyer, Chairman & Managing Director, Bank of

India visiting NICT CSP Manpur

CSI-TCS Award for Best Usage for project SHARADA

M.P. State e-gov appreciation award MAP-IT for making replica gyandoot in

21 dist.

NICT Group - Accolades

The Product

Our products are providing various services to citizen and it is mix of various citizen services which has a proven establish consumer line. The services are important and essential.

It provides a platform for transformation of citizens from anxiety to confidence.

NICT Service Shoppee Subscriber

Citizen

????

The Service Mix

Bankin

g

Insurance

IRCT

C

IIFL

Pan Card

Other Services to

come

The Business Architecture

Citizen

Channel

Partner

SDP

The three layer architecture of business provides end to end sustainability with distributed economics.

NICT :The service aggregator and the owner of brand NICT Service Shoppee who will bring services from principle service providers.

The Channel Partner (You):The Key anchor and service facilitator who will manage the net worth of the service delivery point.

Service Delivery Partner :The front end service delivery shop who will provide all the services in the bouquet to the user and the citizen

The Qualities & Capabilities

To Qualify as Channel Business Partner following are the requirements

Minimum Qualification - Graduation in any stream with computer literacy

Net worth - 10 Lac

Should have or could arrange space of at least 400 sq. ft.

Domicile of the district

Should not have any police record

Should be socially well connected

Should be able to invest 2.50 Lac to 7 Lac depend upon the population of

the district.

The Channel PartnerAs a channel partner you will be responsible for establishing the service delivery network in your district.

CP has to establish a district operation office with physical and digital infrastructure including furniture, fixtures, computer, UPS and net connectivity.

For operations, CP has to appoint District Manager Sales, District Manager Services and Coordination unit with appropriate no. of office executive and minimum two tele calling executives.

CP has to identify service delivery partners at block, Tehsil and Gram Panchayats with due diligence in terms of their physical verification, documentation and has to ensure the service delivery through Service Delivery Partners.

Shall be responsible for development of customer base through local advertisement and mobilization.

The operations are divided into two parts Sales and Services and CP has to provide sales, service and coordination .

NICT-TPL

Citizen

“citizen services a joyful experience with smile”.

The Business Process

NICT-TPL

Channel

Partner

Service Delivery Partner

Owning & Providing the

service tie ups,

monitoring and

management with principle

service providers

Selection and establishment of Service Delivery

Partner, Coordination and

ensuring the sustainable

revenue generation from service

delivery partner network in the area

Providing various citizen services as per the provisions in SLA’s ensuring the sustainable

revenue generation in the

area

Building the Blocks by CP

Service Delivery Partner

The Channel Partner in his area select service delivery partners.

Where Ward in the city, Block Head Quarter,

Gram Panchayat

Who Retired bank employee, Ex-service man army, Retired teacher, NGO/Self Help Group, STD/PCO/Photocopy Shop, General Store, Mobile recharge Shop, Medical Store, Insurance Agent, Share Terminal

Why To build the sustainable service provider

network through which service shall be provided to citizens

Understanding Revenues

Comm

issio

n

advi

ce

Selection of SDP

Sale SDP

Franchisee

NICT State Office

NICT HO

SDP franchisee Commission CP

Principle Service Provider

SDP

Serv

ice

Tran

sact

ion

Revenue income from service transaction

Sustainable RevenueOne time sale

Business Plan for Channel PartnerProjected Revenue by Sale of SDP Franchisee Per Month

Service Unit Rate

Biometric /Third Party Charges

Net after Biometric

S.T

Net after service

Tax

Share of CP

BANKING 1 20,000 2,800 17,200 1,892 15,308 7,654

TOTAL 25 500,000 70,000 430,000 47,302 382,698 191,349

BROKING 1 20,000 0 20,000 2,200 17,800 8,900

TOTAL 25 500,000 0 500,000 55,002 444,998 222,499

IRCTC 1 8,000 4,000 4,000 440 3,560 1,780

TOTAL 20 160,000 80,000 80,000 8,800 71,200 35,600

INSURANCE 1 5,000 0 5,000 550 4,450 2,225

TOTAL 50 250,000 0 250,000 27,500 222,500 111,250

TOTAL PER SDP 1 53,000 6,800 46,200 5,082 41,118 20,559

GRAND TOTAL 1,410,000 150,000 1,260,000 138,604 1,121,396 560,698

* All the above calculations are based on assumption and for illustration purpose only. All the payments are subjected to deduction of taxes as may be levied & collected from time to time either by Central and/or State government. All the investment opportunities are subject to market risks & uncertainties, please read the scheme document carefully before investing.

Business Plan for Channel PartnerProjected Sustainable Revenue by Transactions Per Month

Service Unit Estimated Income

of SDP before taxes

Royalty Share of CP @ 50% of

the Royalty

BANKING 1 15,375 3844 1,922

TOTAL 25 384375 96094 48,047

BROKING 1 20513 5128 2,564

TOTAL 25 512825 128206 64,103

IRCTC 1 22501000

500

TOTAL 20 45000 11250 5,625

INSURANCE 1 3,000.00 750 375

TOTAL 50 150,000.00 37500 18,750

TOTAL PER SDP 1 41,138.00 10285 5,142

GRAND TOTAL 1,092,200.00 273,050.00 136,525.00


Banking

Broking

IRCTC

Insurance

Benefit to Channel Partner

Self Employment the Joy of to be the own Boss !

Social Recognition

Performance Linked

Incentives

Attractive Remuneration

Leading BrandIRCTC IIFLBOI UTISBI

NICT Support System

To make you Win ! NICT – TPLNational Team

State Team

Administration

Accountant

Insurance Executive

IRCTC/Pan Executive

Broking Executive

Banking Executive

Business Development

Manager (BDM)

Channel Partner (CP)

Service Delivery

Point (SDP)

Welcome to NICT-TPL family

Thank you

The Best Time I have spend with you will result in good business……!

Because at NICT we believe to work with people, scaling them to their full potential.

Which produce good results and we feel good doing inclusive good & growth.

Banking – Estimated Inflow (SDP)

SUMMARY OF ESTIMATED MONTHLY COMMISSION

StepsBy No frill a/c

openingBy Rd a/c opening

By Transaction

Total commission

Share of SDP @ 75%

1 5000 1000 9375 15375 11531

2 5500 1500 10000 17000 12750

3 6000 2000 11250 19250 14438

4 6500 2500 12500 21500 16125


Banking – Estimated Inflow (SDP)BY NO FRILL ACCOUNT

Step

No of accounts open per

day

RateWorking days in a

month

No of units in the month

Commission from account

opening

1 10 20 25 250 5000

2 11 20 25 275 5500

3 12 20 25 300 6000

4 13 20 25 325 6500

BY RD ACCOUNT

Step No of

accounts open per day

RateWorking days in a

month

No of units in the month

Commission from account

opening

1 2 20 25 50 1000

2 3 20 25 75 1500

3 4 20 25 100 2000

4 5 20 25 125 2500


ESTIMATED TRANSACTION REVENUE PER MONTH

STEP

Expected No of No Frill A/c in a month

5% A/c on regular

Transaction

Approx amt of

transaction on

each a/c

Per Day Transaction

Total Deposit- 50% - In 25days

Total Withdrawal - 50% - In

25 Days

Commission on

Deposit -0.5%

Commission on

withdrawal - 0.5%

Commission by

Transaction

1 250 15 5000 75000 937500 937500 4688 4688 9375

2 275 16 5000 80000 1000000 1000000 5000 5000 10000

3 300 18 5000 90000 1125000 1125000 5625 5625 11250

4 325 20 5000 100000 1250000 1250000 6250 6250 12500

Banking – Estimated Inflow (SDP)


Back to Revenue

Slide

Broking Service – Estimated Inflow Projected SDP Income Per Month

No. of Clients

Minimum turnover by Each Client

Minimum

turnover by Each

SDP

Expected Intraday turnover ( Daily Basis) -

70%

Expected Delivery Turnover

- 30%

Brokerage on Intraday Basis - .03%

- Daily

Brokerage on

Delivery - 0.3% - Daily

Total Income on Daily

basis

Monthly income - 22 days

IIFL Brokerage Share -

30%

Net Income

SDP Share

20 60000 1200000 840000 360000 252 1080 1332 29304 8791 20513 15385

25 80000 2000000 1400000 600000 420 1800 2220 48840 14652 34188 25641


Back to Revenue

Slide

IRCTC – Estimated Inflow (SDP)Indian Railways Catering and Tourism Corporation

Expected No of

TicketsCategory

Expected No of Tickets category

wise

Commission Per Ticket

No of Working

Days

Amount

Royalty

Expected Revenue

Per Month

10AC 3 20 25

3250 1000 2250Sleeper 7 10 25

16AC 5 20 25

5250 1000 4250Sleeper 11 10 25

22AC 7 20 25

7250 1000 6250Sleeper 15 10 25

28AC 9 20 25

9250 1000 8250Sleeper 19 10 25

34AC 11 20 25

11250 1000 10250Sleeper 23 10 25


Back to Revenue

Slide

INSURANCE – Inflow - SDP

Estimated Income from Insurance Policies Per Month

Insurance agents by collecting & depositing the premium from the policy holders

agent gets commission which may vary from product to product & from company

to company. As per prevailing market condition & rate an agent can generate

revenue approximately to Rs. 3000/- per month. Agents can earn a lot more than

this depending upon his ability skills and enthusiasm as sky is the limit for earning

under this business.

Back to Revenue

Slide

Banking (BC & BF) - Introduction

State Bank of India & Bank of India

Till date there are 31 Crore saving bank account in India. As per survey, Actual accounts holders are not more than 20 Crore. 83% People in India still don’t have saving account. State bank of India is the largest bank with approx 14000 branches State bank group is having approx 20000 branches. Bank of India is having approx 3079 branches across India. Manglam Village in Pondicherry became the First village in India where all household

were provided Banking Facility. Jan 2006 RBI permitted Banks to engage BCs. Relaxation in KYC under kiosk banking. RBIs vision for 2020 is to open 600 million new customers accounts. A designated official from the link branch will be visiting the ultra small branch / Kiosk

branch once in a week. Unbanked Villages earmarked under the Financial Inclusion Plan (FIP) by Ministry of

Finance GoI ,where Banking Services are to be made available by way of a Brick and Mortar Branch or any IT based Model ( Kiosks).

Banking (BC & BF) – Benefits

Hassle free saving account opening.

Less KYC documents.

No Queue.

No Travel expenses

Easy deposits, withdrawal & Cash Remittence.

Easy R.D. & F.D Account opening.

Amount can be deposited from anywhere.

Transfer Subsidies , Scholarships and other Benefits directly in to the account

Banking (BC & BF) – Eligibility

Should have minimum 100 x 150 Sqft area.

Must be above 18 years & should have entrepreneur skills.

Zeal of taking community and people together.

Minimum 12th pass with basic knowledge of computers and internet.

Should have pleasant and friendly communication skills.

Should have or could procure one Computer, Printer, UPS & internet

facility.

Banking (BC & BF) – Investment

Investment - Rs. 20,000/-

Identification, training and orientation Fee including taxes Rs. 17,200/-

Biometric device with taxes Rs. 2,800/-

Yearly renewal fee 2500/-

Apart from above the SDP should have computers, printers, UPS, furniture

& fixture, small space for 100 to 150 sq. ft.

Required working capital of Rs 10500/- for doing transaction at kiosk

branch.

IIFL – Service

Home Loan

Gold Loan

Commercial Vehicle Loan

Equity

Commodity

Currency

Other Financial services i.e. Portfolio Management, Intraday, Investment

Broking Service – Benefits According to credit rating agency ICRA, loan market is expected to grow 17-19

percent

Loan for construction of house, child education.

Subscribe to IPO of companies to buy new shares.

8 Cr People are using capital market & out of 121Cr.

Indian stock exchange are top ranked stock market in the world.

Trade Terminal

Minimum time & documentation for approval.

Equity is the backbone of capital markets.

Broking Service – Requirement






Should have or could procure one Computer, Printer & internet facility.

Investment Identification & Training Fee (Including taxes) - Rs. 20,000/-

Yearly Renewal Fee - Rs 2,500/-

IRCTC Ticketing

Indian Railway is on of the largest Rail network in the world.

More than 3 Crore Passengers use Railways daily.

Approx 32 Crore reserved tickets are booked in a year [2012 data].

Approx 55% tickets are booked from windows, 37% through IRCTC & 8%

through booking agents.

IRCTC severs are upgraded to book 7200 ticket per minute.

Tatkal Booking facility constitute 10% of total seats available.

Indian Railways Catering and Tourism Corporation

IRCTC – Benefits

Instant & hassle free Booking.

Paperless / M-ticket.

No long Queues.

Unlimited number of ticket bookings

No Travelling Time & No Extra Expenses.

Delivery of Ticket at door step.

Flexibility of selecting seat / berths.

Automatic up gradation of seats based on availability in higher class.

Can be booked 23hrs in a day i.e. 00.30am to 11.30Pm.

Time Management.

Can select you type of food (Rajdhani/Duronto) and bed roll (Garib Rath)

Attractive commission from IRCTC


IRCTC – Requirement







Should have or procure one Computer, Printer & internet.

Class three Digital signature

IRCTC – Investment


Investment - Rs. 8000

Identification, training and orientation Fee

Digital Signature and ID creation fee

Yearly Renewal Fee Rs. 1000

Apart from above the SDP should have computers, printers, UPS, furniture & fixture,

small space for 150 to 200 sq. ft. This is value added service and should be added

with banking or broking.

INSURANCE – Scope

LIC is the largest life insurance company in India

Life Insurance is the key to good financial planning.

Insurance safeguards your money

To secure your families future.

Insurance is attractive, safe & long term saving option.

As on May 2011 there were only 200 million (20Cr) life insurance

Policy holders.

INSURANCE – Benefits

Risk Cover

Planning for life stage needs

Protection against rising health expenses

Builds the habit of thrift

Safe and profitable long-term investment

Assured income through annuities

Protection plus savings over a long term

Growth through dividends

Facility of loans without affecting the policy benefits

Tax Benefits

Mortgage Redemption

Daily hospital cash allowance

Convalescence benefit

Alternative treatment

Treatment taken at home

INSURANCE – Requirement





Investment

Investment as Identification & Training Fee – Rs. 5000/-

Yearly Renewal Fee – Rs. 500/-

PAN Card – Scope

Pan Card is ten Digit alphanumeric number issued in laminated card.

People do not know how to obtain.

Pan Card is mandatory for opening of account & all type of financial

Transaction.

Approx 140 million people in India have PAN cards.

Approx 110 Cr People need pan Card.

This an value added service with broking, banking.

PAN Card – Benefits

Pan card is a identity proof for Indian citizen.

Pan card is required for opening any back account in India

Pan card is required for also buying & selling of immovable property and any

motor vehicle except two wheelers.

Pan is required for depositing cash aggregating to fifty thousand rupees or

more.

SS_PPT_291013

Documents

business organizations

availing services

sustainable business

nict mission citizen

service orientation

better life

expected delivery turnover

clientminimum turnover