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INFR   VISION




                                1
Corporate Profile
Vision
    To be the most inspiring global
  infrastructure financial institution




            Mission
To be an Indian multinational company
 providing innovative infrastructure
   financial solutions with focus on
 equipment, projects and renewable
                energy
                                         2
SREI corporate milestones
  •   1989 identified infrastructure sector as its core business &
      started operations

  •   1992 got listed on Bombay and Calcutta Stock Exchanges

  •   1995 got listed on National Stock Exchange

  •   1997 IFC, FMO and DEG invested as strategic equity partners

  •   2002 Promoted India’s first Equipment bank - Quipo

  •   2005 became the 1st Indian NBFC to be listed on the London
      Stock Exchange

  •   2006 Geographical expansion into Russia

  •   2007 JV with BNP Paribas Lease Group, 100% subsidiary of BNP
      Paribas


                                                                     3
SREI’
SREI’s achievements
   Rs 62 bn (USD 1.52 bn) of                             mn)
                                     Rs 9.10 bn (USD 222 mn)
   assets under management by        funds under management by
   SREI                              Venture capital


   Rs 297 bn (USD 7.24 bn)           Rs 9.66 bn (USD 235
   under Infrastructure Advisory     mn)
                                     mn) IPO Mandates being
                                     managed by Investment Banking

   Rs 1092 mn (USD 26.63                                 mn)
                                     Rs 7.10 bn (USD 173 mn)
   mn) of Total Assets in Zao Srei   of assets in Quipo
   Leasing, Russia




                                                                     4
Shareholding pattern
Foreign Holding             49.95%
GDRs                                              Pvt Corp Bodies
                        0.60%
FIIs
                        49.11%           Indian Public   10.81
NRIs/OCBs
                                                                             Foreign
                        0.24%            11.78                               Holding
                                                                                       49.95

Banks/Mutual                  7.36%
Funds
Promoters Group             20.10%

Indian Public               11.78%        20.1
                                         Promoters’
Pvt Corp bodies             10.81%       Holding                 7.36
                                                                 Banks/ MF
                **as on 30TH September
                                  2007
   Listed on the Bombay, National, Calcutta and London Stock
                          Exchange




                                                                                               5
SREI – Board of Directors
Name                                       Previous experience
M. S. Verma, Chairman                      • Chairman & MD, State Bank of India,
                                           • Chairman, TRAI
Salil K. Gupta, Chief Mentor               • Chairman, West Bengal Industrial Development Corp.
                                           • President, Institute of Chartered Accountants of India
Hemant Kanoria, Vice Chairman & Managing   • President, Calcutta Chamber of Commerce
Director                                   • Chairman, CII (ER) Infrastructure
B. Swaminathan, Nominee Director, IREDA    • Director ( Finance) Coal India Ltd.
                                           • Joint Secretary, Ministry of Finance, GoI
R. Sankaran, Director                      • Partner, Arthur Andersen

V. H. Pandya, Director                     • Senior Executive Director, SEBI
                                           • Director, GIC Asset Management and Reliance Capital
S. Rajagopal, Director                     • CMD, Bank of India & Indian Bank
Sunil Kanoria, Director                    • Chairman & Managing Director, Quipo Infrastructure
                                             Equipment Ltd.
Saud Siddique, Director                    • Former IFC East Asia head having vast experience in
                                             infrastructure sector
S. Chatterjee, Whole time Director         • Executive Director, UTI Bank

P. K. Pandey, Executive Director           • Chartered Accountant, having vast experience in
                                             infrastructure sector
K. K. Mohanty, Executive Director          • Engineer, having vast experience in financial sector




                                                                                                      6
International institutional stakeholders




                                           7
Our Presence




                               Headquartered at Kolkata, we have pan India
                              presence with a network of 51 offices and with
                                  transnational footprints in the Russian
                                        Federation and Germany

Head Office              1      Overseas offices in Russia   3

Regional Offices         9

Branch & Field Offices   41

                                                                               8
Our infrastructure value chain
Customers     Equipment           Project           Advisory             Venture Funds




            •Equipment
             Equipment         Project Financing:   Project
            Financing                                                     Equity
                               • Debt,              Conceptualisation
            •Asset Insurance
             Asset
                               • Equity &           Project Monitoring
                                                                          Mezzanine
                               • Mezzanine          Fund Mobilisation
            Equipment Rental
                               Project              Investment
            Valuation &
                               Development          Banking               Debt
            Disposal




                                                                                         9
Infrastructure
                                       Insurance Broking
         Equipment

Construction, Mining, Oil & Gas,   Non Life, Reinsurance & Life
Power, Ports, Telecom, Railways,   Insurance Services
Aviation & Renewable Energy




                                                                  10
Infrastructure                   Infrastructure               Infrastructure
     Financing                         Advisory                   Development

• Infrastructure Projects       • Project Conceptualization   • Roads, Power,Ports,
     • Debt                     • Project Structuring          Urban Infrastructure,
     • Equity                   • Project Monitoring           Airports & Mass Rapid
     • Mezzanine                • Fund Mobilisation            Transit System (MRTS)
• Large ticket infrastructure   • Advisory Services
  equipment




                                                                                       11
Investment Banking                             Venture Capital


• IPOs / Public Offerings                 • Equity

• Debt & Equity Placement including Off   • Mezzanine
 Shore Funding
                                          • Debt
• Merger & Acquisitions




                                                                       12
STRATEGIC BUSINESS


           Bank-
 Equipment Bank-                  SREI Sahaj e-e-              ZAO SREI Leasing,
      Quipo                       Village Limited                   Russia

• Construction                   Common service centre
                                                               • Equipment Financing for
• Oil & gas                      providing
                                    • e-governance              Roads, Power,Ports,
• Telecom
• Energy Rental                     • e – commerce              Mining & Airports
• Asset Valuation & Disposal        • e- learning facilities




                                                                                           13
Market leader in equipment finance
                                                 Others
                         GE Capital                                    SREI
                              6%                  11%
                                                                       30%
                     ABN Amro
                         7%




                     HDFC Bank                            ICICI Bank
                                      Citicorp
                         9%                                 23%
                                       14%




Source: SREI Estimates

                                                                              14
Infrastructure Project: Financing
      Roads                  Power                  Ports

• Participation at     • Financing            • Equipment linked
  project                small/medium size      Project Financing
  development stage      projects with low
                                              • Financing of select
                         gestation period
• Strategic alliance                            shipping lines/
  with select          • Structured             coastal operations
  companies with         financing of Wind
                                              • Project structuring
  upside potential       Turbine Generators
                                                and debt financing/
                         (WTG)
• Project Debt                                  syndication
  Financing            • Captive Power
                         projects (CPP) on
• Equipment linked
                         selective basis
  Financing
                       • Mega power
                         projects –
                         syndications /
                         financing

                                                                      15
Infrastructure Project: Financing
    Railways               Aviation                Shipping

• Equipment linked    • Hypothecated           • Hypothecated
  Project Financing     Finance of aircrafts     Finance
• Debt Financing      • Asset financing to     • Financing of
  under Wagon           Airlines and             coastal operators
  Investment            aviation service
                                               • Structured
  Schemes (WIS) /       operators
                                                 financing of oil
  Container
                      • Letter of Credit         tankers
  Investment
  Schemes (CIS)
  schemes of Indian
  Railways
• Tie up with the
  major wagon
  manufactures



                                                                     16
Equipment Bank: Quipo
                      Domestic                                                  International
                      Equipment                                                  Equipment
                     Manufacturers                                             Manufacturers

                            Equipment              Knowledge             Applications




                                                Equipment
                                                  Bank

                         Equipment   Information Operations Training   Maintenance Crew




   Idle Equipments

                                                Construction
                                                Companies
                                              Other Equipment
                                                  Owners



                                                                                                17
Quipo World
    Quipo                    Quipo                     Quipo               Quipo                Valuation &
 Construction               Oil & Gas                 Telecom           Energy Rental          Asset Disposal
•Provides trained,      •Provides state-of        •Provides complete    •Rents eco-friendly    •Provides plant &
qualified &             the-art drilling          “Plug-n-Play”         gas based power        machinery
experienced             equipment                 service for service   solutions for short    valuation
operators along         •Provides trained,        operators             to medium terms.       •Provides online,
with the equipment      qualified &               •Holding IP1          •Each modular unit     offline auctioning &
•On-site repairs &      experienced               license for Passive   is of 600 KW –         disposal service for
maintenance             operators                 Infrastructure        1300 KW housed         plant & machinery
•Bid support and        •Provides advisory        Services              in to rugged           •Only Indian
Advisory services       services for              •Only Indian          containers.            company focused
on equipment            equipment                 company with          •Provides power        on valuation &
suitability for each    suitability &             successful on-        plants up to 10        disposal of plant &
requirement             equipment                 ground experience     MW using number        machinery
•Provides OEM &         purchase                  in Tower Rental &     of these units.
Quality in-house                                  Co-location           •Provides gas
maintenance of                                                          based combined
equipment                                                               heat solutions


India’s 1st Equipment    India’s 1st Integrated     India’s 1st Tower     India’s 1st Energy        India’s 1st
  Rental Company         Rig Rental Services             Rental                 Rental            Comprehensive
                                                                                               Equipment & Industrial
                                                                                                      Valuer




                                                                                                                        18
Financial highlights
                                                              HY FY 08
USD Million           FY04     FY05     FY06      FY07                (Sept ’07)

Total Income          28.21    31.69    55.42     97.57                66.43
PAT                    4.98     6.90    11.80     19.32                14.11
                                        71.10
PAT Growth YoY       39.90%   38.45%       %    63.67%            77.24%
EPS (Rs.)              3.84     5.31     4.44      7.20                4.85*
Dividend Rate          15%      15%    16.5%       10%                 -
Total Capital         54.72    59.74   119.55    149.38               181.62
Book Value (Rs.)      26.75    30.51    37.14     44.32                48.08
Capital Adequacy
Ratio                 18.48    16.15    19.75     14.04                    14.9
Disbursements        261.78   392.67   605.06   1049.87                    711

Total Assets under
Mgmt.                447.50   510.27   827.56   1239.64          1526.27



                                                   * Not Annualized

                                                                                   19
Strong balance sheet
USD Million                   FY04     FY05     FY06     FY07
Share Capital                 13.03    13.03    26.60    26.60
Reserves & Surplus            22.25    26.94    73.51    92.64
Mezzanine Capital             19.43    19.75    19.42    30.13
Total Capital                 54.72    59.74   119.55   149.38
Total Debt                   177.60   220.61   393.83   775.60
Total                        232.32   280.35   513.39   925.00
Net Block                      4.08     4.34    54.57   106.00
Investments                    5.73    12.07    25.33    35.71
Current Assets               253.13   270.38   449.54   795.08
Loans & Advances              16.05    17.43    20.51    41.76
Total Assets                 279.00   304.23   549.96   978.62
Less : Current Liabilities    47.19    24.20    38.02    55.12
Misc. Expenditure              0.51     0.32     1.45     1.48
Total                        232.32   280.35   513.39   925.00


                                                                 20
Ratio Analysis
                                       FY04    FY05    FY06    FY07
Return on Average Net worth            14.97   18.55   17.08   17.86
                                          %       %       %       %
Return on Average Equity               38.24   52.95   59.58   72.65
                                          %       %       %       %
Return on Average Assets               1.85%   2.37%   2.77%   2.53%
Net Interest. Margin / Average Total   4.51%   6.03%   6.74%   5.67%
Assets
Interest Expenses / Interest Income    55.71   43.87   48.58   55.74
                                          %       %       %       %
Price Earning Ratio                     3.14    9.76   13.72   13.61
Price to Book Value                     0.45    1.70    1.64    1.08
Dividend Payout                        44.18   31.98   42.34   16.08
                                          %       %       %       %
Dividend Yield                         12.47   2.90%   2.70%   2.08%
                                          %
Debt Equity Ratio                       5.67    6.06    4.19    6.84

                                                                       21
SAHAJ

ICT Business Integrator




                          22
What can be
Using Information Technology to transform India
      Common Service Centers as vehicles for rural inclusion




                                                               23
COMMON MAN

Reaching the last man
                        AWARENESS
                        ACCESS
                        AFFORDABILITY
                        ACCEPTABILITY
                        CONTENT
                        CONNECTIVITY
                        COMPUTABILITY

                        EDUCATION
                        HEALTH
                        EMPOWERMENT
                        LIVELIHOOD




                                        24
Delivery Channels

Common Service Centers:
   Reaching out to all



                          25
COMMON SERVICE CENTRES
• Under the National e-governance plan of Govt.
  of India, which was announced by Dr.
  Manmohan Singh, Hon’ble Prime Minister of
  India on 15th August, 2005, Implementation of
  Common Service Centres (CSCs) is the most
  important event of the four pillars of the NeGP.
  These Common Services Centres (CSCs) will
  become Hubs or Community Centres for the
  delivering all e-governance and other services to
  the rural people.

                                                      26
CSC Project salient features
• 100,000 CSCs will be established all over India
• These will be set up in PPP mode on BOO basis
• These CSCs will be the delivery points of all Govt
  services
• Private Partner can use these centres to sell any other
  service / product
• Govt will give a minimum revenue support for G2C
  services
• Profits from other business (eg B2B or B2C services) is
  for the SCA (Service Center Agency -the private partner)
• The selection of the SCA is done through a three stage
  transparent bidding process

                                                             27
Current Status
• SREI-Wipro consortium has 22,473 CSCs
• Our network will cater to 18.98 crore population of India
  in five states – West Bengal, Bihar, Uttar Pradesh, Tamil
  Nadu and Assam
• Largest ICT based chain
• Roll out has started in Hugli District
• We completed our back end work by October end (7
  months)
• Data Center is up, portal is up, wireless network is being
  rolled out in tandem with CSCs
• Operation rollout began in November
• 100 centres up and a target of 1000 by each month end

                                                               28
BENEFITS OF COMMON SERVICE CENTRES

• Creating Entrepreneurs – 22473
  businesses created in the beginning itself
• Bridging the Digital Divide
• Government at the doorsteps of people
• Access to all services available in urban
  areas
• Access to rural markets
• Usable education
SAHAJ USP
• Largest ICT based network with 22473
  Centres catering to 19 crores of India’s
  population
• Network as monopoly. Barriers to entry for
  others.
• Huge community support. Government &
  Local Bodies’ support in servicing people
• Custom made & state of the art
  infrastructure with complete automation
                                               30
•   Positioning itself as a Business Integrator
•   Integrating across IT and Infrastructure
•   Making CSCs work beyond ribbon cutting
•   Making technology simpler and affordable
Partnerships
• Wipro – IT Partner
• Oracle – IT Software Infrastructure
  Partner
• Intel – World Ahead Alliance
• Red Hat – Open Source Partner
• SmartBridges – Connectivity Partner
• PWC – eGovernance partner for West
  Bengal
• Delloitte – eGovernance partner for
  Bihar
Business Logic
• To access various services, a villager has to
    go to the block headquarter or other nearest
    town. He loses his daily wage and incurs
    transportation costs to access services, even if
    they are free.
•   Service delivery is not assured
•   Non-availability of many products & services
•   Shared Access Model
•   Aggregation of services and delivery through a
    kiosk based in his community, allows delivery
    at minimal costs and time.
Existing Models
                                                               Number of
      Project Authority                 Location
                                                               centres            Revenue
1
      BELLANDUR GRAM PANCHAYAT Karnataka                       1                  Rs 25million per annum

2
      MYRADA                            KARNATAKA              1                  Rs 750/month
3
      TATA CONSULTANCY SERVICES         ANDHRA PRADESH         1327               Rs 3000/month

4
      GYANDOOT SAMITI                   MADHYA PRADESH         35                 Rs.4375/month

5
                                                               16
      HEWLETT PACKARD                    ANDHRA PRADESH                             Rs 14000/month
                                                               (incl 3 mobile vans)
6
      ITC                               MP, UP, AP, KARN, RAJ 5500                Rs 15000/month

7
      M.S.SWAMINATHAN RESEARCH
                                        PONDICHERRY            12                 Rs 1500/month
          FOUNDATION
8
      n-Logue communication             TN, MP,MAH, GUJ,MP     2000               Rs. 4000 - 20000/month

9
      WARNA VIBHAG SHIKSHAN
                                        MAHARASTRA             54                 Rs 34 million per annum
         MANDAL

    Source: Asia Pacific Research Centre, Stanford University, Nov 2005
                                                                                                            35
LIMITATIONS IN THE EARLIER SCENARIO
1.Lack of sufficient variety of services
2.Lack of economies to capture & cater to mass
   population
3.No aggregation of content & services
4.Lack of awareness of potential of rural markets
   among other private investors
5.Top down delivery of services, hence not catering to
   citizen specific requirements
6. Non-integration of private and government
   initiatives
7. Unreliability of connectivity, power or service
   delivery
                                                         36
Common Service Centres

    Challenges Unlimited




                           37
Challenges
• Infrastructure challenges
• Human Resource challenges
• Capital challenges
• Revenue challenges
• Technology challenges
• Publicity & Change Management
  challenges
• Politico-administrative challenges

                                       38
Infrastructure Issues

•   Connectivity
•   Power
•   IT infrastructure at kiosks
•   Backend IT infrastructure
•   Civil infrastructure at kiosks



                                     39
Connectivity
•   Dial up       Availability of services
                  Reliability
•   Data Card
                  Redundancy
•   Broad Band
                  Bandwidth available
•   GPRS / CDMA   Spectrum issues
•   CorDect       Capital expenditure
•   VSAT          Recurring expenditure
•   WiLD          Availability of equipment

•   Wi-Fi
•   Wimax

                                              40
Availability
• Coverage is poor in most
  areas

• ADC and USOF have not
  helped so far

• USOF towers are overkill

• Bandwidth low in GPRS,
  CorDect etc

• Wimax not yet commercial

• VSAT recurring exp too high

• Patchwork not reliable
                                          41
Power
•   Availability
•   Quality
•   Survey, Data
•   Solar
•   Gensets
•   UPS
•   Biofuels




                           42
CSC IT
•   How much hardware?
•   Content, connectivity, computability
•   Scalability
•   Remote Management
•   Power efficiency
•   Capital Expenditure
•   OS
•   Language and localization

                                           43
SCA IT
•   How much hardware and software?
•   Service Oriented Architecture
•   Scalability, Availability
•   Integration
•   Portal
•   Security



                                      44
CSC Civil
•   Wide spread geography
•   Time
•   Cost
•   Standardization
•   Branding
•   Attraction
•   In sync with communities? Rural? Ethnic?

                                               45
Human Resource
• 22473 VLEs
• 650 employees + teams of Wipro,
  Delloitte, Oracle & Intel
• Attitude
• Subsidy
• Bankability
• Trainability
• Training issues

                                    46
Capital Issues
•   Appetite for risk
•   Project structuring
•   Phasing
•   Internal accruals
•   Leveraging
•   Tax efficiency / sops



                               47
Revenue Challenges
•   Everything looks good on paper
•   VLE needs to be a genius to do all this
•   Financial viability
•   Scalability
•   Replicability
•   Ease of training
•   Cash handling issues

                                              48
Technology Risks
•   Obsolescence
•   Free broadband
•   Newer technologies
•   Competing models
•   Mobile governance
•   Who moved my cheese



                             49
Publicity & Capacity Building
•   Differing perspectives of different people
•   Publicity
•   Ownership
•   Department, District Admin & Local Admin
    sensitization
•   Varied interests of intermediaries
•   Logical Framework & Results Based
    Management
•   Training infrastructure
•   Costs

                                                 50
Politico-administrative Challenges
• New initiative by every new set of officers,
  by every new government, by new cartels
• Our people/their people
• M-Governance
• USOF
• E-Districts
• Local resistance

                                                 51
Value
• Because of scale & expertise in
  infrastructure, SREI has been able to run
  down costs and meet these challenges
• Need to give value to each customer –
  Government, Citizens, Service Providers
• The best teams will be harnessed to set
  up one of the largest networks


                                              52
MODEL OF THE SAHAJ CSC
Kiosk Anatomy
                                        • Laptops
                 SAHAJ
                                        • Peripherals
                                        • Brand Space
                                        • Power Supply
                                        • Wi-Fi   (CPE)
             7
                                        • Printers (Multi Functional
                                          Device) etc

• Each CSC to be financed to the Franchisee.
• One kiosk to be set up per 6 villages addressing about 9437population
• To be located in the market place, Block offices, gram panchayat office etc
• Biometrics and smart card readers can be attached
CSCs




       55
Operational Plan
•   About 4937 kiosks to be setup across 14 districts of rural
    Bengal, 5565 in Bihar, 2833 in Assam, 1045 in Tamil
    Nadu & 8118 in Uttar Pradesh.
•   The ratio of setup shall be 1 kiosk for every 6 villages or
    as may be required after detailed survey.
•   Each kiosk shall be under the responsibility of a Village
    level entrepreneur (VLE) to be selected through standard
    norms.
•   The capital expenditure of the Kiosk (about Rs 133K)
    shall be borne by the entrepreneur. The cost of the
    infrastructure is about Rs 250 K in the market
•   Finance facility would be extended to the entrepreneur for
    availing Kiosk assets.
Publicity & Training




                       57
Architecture
Data Center




              59
Technical Solution & Transaction Monitoring
Sahaj Mitra Portal
       Sahaj Mitra Login

           Enter UserID
           Enter Password
           Click Login


       Help Line

           Call Helpline
           Send mail to
           support
           Call to mobile for
           support
           Call Headquarter




                                61
Sahaj Mitra Portal




                 62
Sahaj Mitra Portal
       Profile Management

       My Messages
           Message from
           Sahaj Admin
           Message from
           other VLEs

       Update Profile
           Change your
           personal
           information




       Change Password




                            63
Sahaj Mitra Portal
       Activate SKash Card



           Click on the link
           to activate your
           SKash card




                               64
Sahaj Mitra Portal
       SKash Card
           Activation

           Card Number will
           be same as VLE
           ID
           PIN    4 digit
           number
           Confirmation of
           the PIN
           Remember this
           PIN. For any paid
           service you need
           to put your card
           number and PIN




                               65
Sahaj Mitra Portal
       SKash Card
           Activation

           Once SKash card
           is activated
           successfully, VLE
           can use the card
           number to avail
           any paid services
           SKash Card
           Details info will
           be shown in the
           Home Page.




                               66
Sahaj Mitra Portal
       SKash Card Details

           Once SKash card
           is activated
           successfully,
           SKash Card
           Details info will
           be shown in the
           Home Page.
           Initial Balance
           will be displayed
           there.
           Card can be
           recharged by
           clicking Recharge
           link (Red)
           Transaction
           History could be
           displayed for the
           VLE (Blue)




                               67
Sahaj Mitra Portal
       Recharge SKash
           Card

          Payment Mode
          could be of two
          types – 1. ECS
          transaction and
          2. Demand Draft
          Transaction
          number or
          Demand Draft
          number needs to
          be entered
          Amount needs to
          be given




                            68
Sahaj Mitra Portal
       SKash Card
           Activation

           Once SKash card
           is activated
           successfully, VLE
           can use the card
           number to avail
           any paid services
           SKash Card
           Details info will
           be shown in the
           Home Page.




                               69
Sahaj Mitra Portal
       SKash Card
           Recharge

           Amount Charged
           will be shown
           here
           Remaining
           Balance will be
           increased once it
           is recharged

       Transaction History
           Click on the
           Transaction
           History to see
           the transactions
           done by VLE




                               70
Sahaj Mitra Portal
       Transaction History
           No Transaction
           has been done by
           this VLE yet. So
           No record is
           coming
           Now one
           transaction needs
           to be done so
           that records
           could be
           displayed here




                               71
Sahaj Mitra Portal
       VLE Customer
           Registration

           In HOME page click
           on Customer
           Registration. This
           customer is VLE’s
           customer/Villagers.




                            72
Sahaj Mitra Portal
       VLE Customer
           Registration

           VLE will help
           his/her customer to
           fill up the forms
           and get him
           registered
           Mandatory fields
           are marked as red
           star
           Once the form is
           filled up terms and
           conditions
           agreement needs to
           be accepted
           Click on Continue




                            73
Sahaj Mitra Portal
       VLE Customer
           Registration

           After successful
           creation of the
           account it will show
           the select service
           page.
           List of services will
           be displayed here
           along with the
           rates
           Multiple services
           could be chosen
           This step could be
           skipped as well
           Click continue




                              74
Sahaj Mitra Portal
       VLE Customer
           Registration

           It will show the
           total rate of the
           selected services
           SKash card details
           need to be
           provided
           Card number will
           be same as VLE ID
           PIN needs to be
           entered twice
           Click Submit




                                75
Sahaj Mitra Portal
       VLE Customer
           Registration

           It will ask for the
           final confirmation
           before deducting
           the money from
           SKash Card account
           Click Confirm
           Once done go back
           to the home page
           and check
           Transaction History
           link




                            76
Sahaj Mitra Portal
       VLE Customer
           Registration

           Click on
           Transaction History




                            77
Sahaj Mitra Portal
       Transaction History
           In HOME page click
           on Transaction
           History. All the
           transactions done
           by the VLE in a
           given date range
           will be displayed.




                             78
Sahaj Mitra Portal
       VLE Customer Login



           Now VLE customer
           has been
           registered. So he
           can login into the
           system using his ID
           and password




                             79
Sahaj Mitra Portal
       VLE Customer Page

          List of services will
          be displayed here.
          The services for
          which payment has
          been made, will be
          ticked. Services not
          selected by the
          customer during
          registration will be
          crossed.




                             80
Sahaj Mitra Portal
       VLE Customer Page

          Click on Computer
          Education
          It will popup a new
          window where
          Basic Computer
          Education will be
          started.




                           81
Sahaj Mitra Portal
       VLE Customer Page

          In Computer
          learning following
          things will be
          available
               Linux
               Office
               Windows
               Internet




                               82
Sahaj Mitra Portal
       VLE Customer Page

          Click on English
          Education.
          It will popup the
          English education
          portal
          Login into it. (This
          login will be
          removed later)




                             83
Sahaj Mitra Portal
       VLE Customer Page



          English Education
          screen will come up




                           84
Sahaj Mitra Portal
       VLE Customer Page

       Job Registration Form
            Click on Job
            Registration Page
            Enter the details
            Save




                                85
Sahaj Mitra Portal
       VLE Home Page >>
           Service
           Catalogue

          Click on Service
          Catalogue link




                             86
Sahaj Mitra Portal
       VLE Home Page >>
           Service
           Catalogue

          List of services
          both free and paid
          will be displayed
          Rate will be given
          in the list for paid
          services




                             87
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          In HOME page click
          on Register
          Grievance Page.
          VLE Customer can
          lodge his grievance
          and send it to any
          govt dept.
          It is a paid service




                            88
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance



          If VLE customer is a
          registered user, he
          can select
          Registered User
          radio button and
          enter his ID.
          Click on Lodge
          Grievance




                            89
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          If VLE customer is a
          registered user, his
          existing personal
          information will be
          auto populated
          Grievance details
          could be given here
          Click Submit




                            90
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          Select Lodge
          Grievance and
          make payment for
          it




                          91
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          Enter SKash card
          number and PIN
          here.
          Click Confirm




                             92
Sahaj Mitra Portal
       VLE Home Page >>
           Register
           Grievance

          Once payment
          made it will
          generate a receipt
          with unique
          grievance ID
          Grievance could be
          tracked later using
          this ID.
          VLE can give a
          printout to the
          customer




                           93
Sahaj Mitra Portal
       VLE Home Page >>
           Grievance Status

           Click on Grievance
           Status on home
           page




                            94
Sahaj Mitra Portal
       VLE Home Page >>
           Grievance Status

           Enter Grievance no
           to track the
           grievance already
           lodged
           Click on Check
           Status




                            95
Sahaj Mitra Portal
       VLE Home Page >>
           Grievance Status

           Current status of
           the Grievance will
           be shown in this
           page




                            96
Sahaj Mitra Portal
       VLE Home Page >>
           Add Service



          If VLE customer
          wants to have some
          more add services
          which he didn’t
          select during his
          registration, ADD
          Service link needs
          to be clicked




                          97
Sahaj Mitra Portal
       VLE Home Page >>
           Add Service

          Added services will
          be displayed in VLE
          Customers Home
          Page.




                           98
Sahaj Mitra Portal
       VLE Home Page >>
           Govt. Form

          Govt. Form will be
          available here
          Click any of the
          Govt Form link




                           99
Sahaj Mitra Portal
       VLE Home Page >>
           Govt. Form

          Short Description of
          each Govt. Form
          will be displayed
          here
          You can take the
          printout of the
          forms.




                          100
Sahaj Mitra Portal
       VLE Home
           Page>>Feedback

          In HOME page click
          on Give Feedback
          link.




                         101
Sahaj Mitra Portal
       VLE Home
           Page>>Feedback

          VLE/Customer can
          lodge their
          Request/Feedback/
          Complain or
          Suggestion to Sahaj




                          102
Sahaj Mitra Portal
       VLE Home
           Page>>Update
           Profile

          VLE can update his
          personal
          information by
          clicking Update
          Profile




                          103
Sahaj Mitra Portal
       VLE Home
           Page>>Update
           Profile

          Update existing
          information and
          click on Update
          button.




                            104
Sahaj Mitra Portal
       VLE Home
           Page>>Update
           Profile

          Once successfully
          updated it will
          show the message.




                          105
Sahaj Mitra Portal
       VLE Home
           Page>>Sahaj
           Mitra of the
           Month

           Based on some
           criteria VLE of the
           month will be
           selected by Sahaj
           Admin.
           The name will be
           displayed in VLE
           portal for the
           entire month




                            106
Sahaj Mitra Portal
       VLE Home
           Page>>Corporate
           Service
       Following corporate
            service will be
            added to the VLE
            Portal
            Services from ICICI
            Prudential
            BSNL
            Railway Ticketing
            Rural PCs from
            Intel
            Berger Paints –
            storehouse in kiosk
            Wipro pheripherals




                            107
Last mile connectivity
• Independent Last Mile Connectivity using
  WiFi 802.11b/g
• 512 kbps connectivity will be delivered at
  each CSC
• smartBridges is the network partner
• This network will enable IPTV, VoIP and
  IPBX and so meet Bharat Nirman targets
Last Mile Diagram
FIRST FOUNDATION LAYING CEREMONY AT SINGUR
Kolkata
 Tower




          111
Going where no telco has gone before
Products & Services
 Facilitation – e-Governance services
 Information – Internet, Market rates, Weather forecast
 Education – Spoken English, Computer Literacy,
Typewriting
 Communication – VoIP, Video Chat, e-mail
 Empowerment – Job Portal, RTI, Grievance,
Microfinance, Insurance
  Services – Photography, DTP, Matrimonial, Railway
reservations, Tele-agri-diagnostics
 Entertainment – Games, Multimedia
 Bill Payments – Electricity, telephone, mobile recharge
 B2B services- data entry, rural BPO, promotions
Analysis of Opportunity for CSC
                                          INDIA          WEST BENGAL
Population (July 2007 est)              1129866154          88414796
Rural Population                        815983360           63632120
GDP (Credit Suisse) 1Trillion US $   Rs 4100000 Crores   Rs 231355 crores
Rural GDP (50.88%)                   Rs 2086080 crores   Rs 117713 crores
Per capita Income                        Rs 36287           Rs 26167
Rural Per Capita Income                  Rs 25565           Rs 18498
Annual Expenditure on services
(30%)                                    Rs 10886            Rs 7850
Annual Rural Expenditure on
services (30%)                           Rs 7669             Rs 5549
Rural Expenditure on services per
month                                     Rs 639             Rs 462
Population per CSC                         8159               9361
Opportunity per CSC                     Rs 5213601         Rs 4324782
Opportunity for private services
1.0%.                                    Rs 52136           Rs 43248
                                                                            114
Rural Economy in Bengal
Particulars                               Percentages Rs Crore
Estimated SGDP in the year 05-06                        231355.02

Gross Household Savings                       30.10%     69637.86
Net Household Savings( loans adj)             24.52%     56726.29
Contribution by Rural Sector                  50.88%    117713.44
Agri Income                                   41.67%     49051.19
Non Agri Income                               58.33%     68662.25
Gross Household Savings (rural)               30.10%     35431.74
Net Household Savings Rural (loans adj)       24.52%     28862.85
Physical Savings                              38.90%     13782.07
Net Financial Savings                         42.56%     15078.58
Gross Savings per CSC per month                  INR   4344041.00
                                                                 115
Estimated Savings Use
Particulars             Amount in Rs Crore      Percentage
Total Estimated Gross                35431.74         100.00
Savings
Small Savings                         4864.45          13.73
Bank Deposits                         1008.51           2.85
Insurance                             3112.52           8.78
Currency                              2261.79           6.38
Physical Assets                      13782.07          38.90
Others                               10402.40          29.36
Insurance/CSC/month                381604.00            INR
Target (INR)                           76320             20
Commission                             15264             20
                                                             116
Creating
tomorrow……
tomorrow……

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Sahaj Cs Cs3

  • 1. INFR VISION 1 Corporate Profile
  • 2. Vision To be the most inspiring global infrastructure financial institution Mission To be an Indian multinational company providing innovative infrastructure financial solutions with focus on equipment, projects and renewable energy 2
  • 3. SREI corporate milestones • 1989 identified infrastructure sector as its core business & started operations • 1992 got listed on Bombay and Calcutta Stock Exchanges • 1995 got listed on National Stock Exchange • 1997 IFC, FMO and DEG invested as strategic equity partners • 2002 Promoted India’s first Equipment bank - Quipo • 2005 became the 1st Indian NBFC to be listed on the London Stock Exchange • 2006 Geographical expansion into Russia • 2007 JV with BNP Paribas Lease Group, 100% subsidiary of BNP Paribas 3
  • 4. SREI’ SREI’s achievements Rs 62 bn (USD 1.52 bn) of mn) Rs 9.10 bn (USD 222 mn) assets under management by funds under management by SREI Venture capital Rs 297 bn (USD 7.24 bn) Rs 9.66 bn (USD 235 under Infrastructure Advisory mn) mn) IPO Mandates being managed by Investment Banking Rs 1092 mn (USD 26.63 mn) Rs 7.10 bn (USD 173 mn) mn) of Total Assets in Zao Srei of assets in Quipo Leasing, Russia 4
  • 5. Shareholding pattern Foreign Holding 49.95% GDRs Pvt Corp Bodies 0.60% FIIs 49.11% Indian Public 10.81 NRIs/OCBs Foreign 0.24% 11.78 Holding 49.95 Banks/Mutual 7.36% Funds Promoters Group 20.10% Indian Public 11.78% 20.1 Promoters’ Pvt Corp bodies 10.81% Holding 7.36 Banks/ MF **as on 30TH September 2007 Listed on the Bombay, National, Calcutta and London Stock Exchange 5
  • 6. SREI – Board of Directors Name Previous experience M. S. Verma, Chairman • Chairman & MD, State Bank of India, • Chairman, TRAI Salil K. Gupta, Chief Mentor • Chairman, West Bengal Industrial Development Corp. • President, Institute of Chartered Accountants of India Hemant Kanoria, Vice Chairman & Managing • President, Calcutta Chamber of Commerce Director • Chairman, CII (ER) Infrastructure B. Swaminathan, Nominee Director, IREDA • Director ( Finance) Coal India Ltd. • Joint Secretary, Ministry of Finance, GoI R. Sankaran, Director • Partner, Arthur Andersen V. H. Pandya, Director • Senior Executive Director, SEBI • Director, GIC Asset Management and Reliance Capital S. Rajagopal, Director • CMD, Bank of India & Indian Bank Sunil Kanoria, Director • Chairman & Managing Director, Quipo Infrastructure Equipment Ltd. Saud Siddique, Director • Former IFC East Asia head having vast experience in infrastructure sector S. Chatterjee, Whole time Director • Executive Director, UTI Bank P. K. Pandey, Executive Director • Chartered Accountant, having vast experience in infrastructure sector K. K. Mohanty, Executive Director • Engineer, having vast experience in financial sector 6
  • 8. Our Presence Headquartered at Kolkata, we have pan India presence with a network of 51 offices and with transnational footprints in the Russian Federation and Germany Head Office 1 Overseas offices in Russia 3 Regional Offices 9 Branch & Field Offices 41 8
  • 9. Our infrastructure value chain Customers Equipment Project Advisory Venture Funds •Equipment Equipment Project Financing: Project Financing Equity • Debt, Conceptualisation •Asset Insurance Asset • Equity & Project Monitoring Mezzanine • Mezzanine Fund Mobilisation Equipment Rental Project Investment Valuation & Development Banking Debt Disposal 9
  • 10. Infrastructure Insurance Broking Equipment Construction, Mining, Oil & Gas, Non Life, Reinsurance & Life Power, Ports, Telecom, Railways, Insurance Services Aviation & Renewable Energy 10
  • 11. Infrastructure Infrastructure Infrastructure Financing Advisory Development • Infrastructure Projects • Project Conceptualization • Roads, Power,Ports, • Debt • Project Structuring Urban Infrastructure, • Equity • Project Monitoring Airports & Mass Rapid • Mezzanine • Fund Mobilisation Transit System (MRTS) • Large ticket infrastructure • Advisory Services equipment 11
  • 12. Investment Banking Venture Capital • IPOs / Public Offerings • Equity • Debt & Equity Placement including Off • Mezzanine Shore Funding • Debt • Merger & Acquisitions 12
  • 13. STRATEGIC BUSINESS Bank- Equipment Bank- SREI Sahaj e-e- ZAO SREI Leasing, Quipo Village Limited Russia • Construction Common service centre • Equipment Financing for • Oil & gas providing • e-governance Roads, Power,Ports, • Telecom • Energy Rental • e – commerce Mining & Airports • Asset Valuation & Disposal • e- learning facilities 13
  • 14. Market leader in equipment finance Others GE Capital SREI 6% 11% 30% ABN Amro 7% HDFC Bank ICICI Bank Citicorp 9% 23% 14% Source: SREI Estimates 14
  • 15. Infrastructure Project: Financing Roads Power Ports • Participation at • Financing • Equipment linked project small/medium size Project Financing development stage projects with low • Financing of select gestation period • Strategic alliance shipping lines/ with select • Structured coastal operations companies with financing of Wind • Project structuring upside potential Turbine Generators and debt financing/ (WTG) • Project Debt syndication Financing • Captive Power projects (CPP) on • Equipment linked selective basis Financing • Mega power projects – syndications / financing 15
  • 16. Infrastructure Project: Financing Railways Aviation Shipping • Equipment linked • Hypothecated • Hypothecated Project Financing Finance of aircrafts Finance • Debt Financing • Asset financing to • Financing of under Wagon Airlines and coastal operators Investment aviation service • Structured Schemes (WIS) / operators financing of oil Container • Letter of Credit tankers Investment Schemes (CIS) schemes of Indian Railways • Tie up with the major wagon manufactures 16
  • 17. Equipment Bank: Quipo Domestic International Equipment Equipment Manufacturers Manufacturers Equipment Knowledge Applications Equipment Bank Equipment Information Operations Training Maintenance Crew Idle Equipments Construction Companies Other Equipment Owners 17
  • 18. Quipo World Quipo Quipo Quipo Quipo Valuation & Construction Oil & Gas Telecom Energy Rental Asset Disposal •Provides trained, •Provides state-of •Provides complete •Rents eco-friendly •Provides plant & qualified & the-art drilling “Plug-n-Play” gas based power machinery experienced equipment service for service solutions for short valuation operators along •Provides trained, operators to medium terms. •Provides online, with the equipment qualified & •Holding IP1 •Each modular unit offline auctioning & •On-site repairs & experienced license for Passive is of 600 KW – disposal service for maintenance operators Infrastructure 1300 KW housed plant & machinery •Bid support and •Provides advisory Services in to rugged •Only Indian Advisory services services for •Only Indian containers. company focused on equipment equipment company with •Provides power on valuation & suitability for each suitability & successful on- plants up to 10 disposal of plant & requirement equipment ground experience MW using number machinery •Provides OEM & purchase in Tower Rental & of these units. Quality in-house Co-location •Provides gas maintenance of based combined equipment heat solutions India’s 1st Equipment India’s 1st Integrated India’s 1st Tower India’s 1st Energy India’s 1st Rental Company Rig Rental Services Rental Rental Comprehensive Equipment & Industrial Valuer 18
  • 19. Financial highlights HY FY 08 USD Million FY04 FY05 FY06 FY07 (Sept ’07) Total Income 28.21 31.69 55.42 97.57 66.43 PAT 4.98 6.90 11.80 19.32 14.11 71.10 PAT Growth YoY 39.90% 38.45% % 63.67% 77.24% EPS (Rs.) 3.84 5.31 4.44 7.20 4.85* Dividend Rate 15% 15% 16.5% 10% - Total Capital 54.72 59.74 119.55 149.38 181.62 Book Value (Rs.) 26.75 30.51 37.14 44.32 48.08 Capital Adequacy Ratio 18.48 16.15 19.75 14.04 14.9 Disbursements 261.78 392.67 605.06 1049.87 711 Total Assets under Mgmt. 447.50 510.27 827.56 1239.64 1526.27 * Not Annualized 19
  • 20. Strong balance sheet USD Million FY04 FY05 FY06 FY07 Share Capital 13.03 13.03 26.60 26.60 Reserves & Surplus 22.25 26.94 73.51 92.64 Mezzanine Capital 19.43 19.75 19.42 30.13 Total Capital 54.72 59.74 119.55 149.38 Total Debt 177.60 220.61 393.83 775.60 Total 232.32 280.35 513.39 925.00 Net Block 4.08 4.34 54.57 106.00 Investments 5.73 12.07 25.33 35.71 Current Assets 253.13 270.38 449.54 795.08 Loans & Advances 16.05 17.43 20.51 41.76 Total Assets 279.00 304.23 549.96 978.62 Less : Current Liabilities 47.19 24.20 38.02 55.12 Misc. Expenditure 0.51 0.32 1.45 1.48 Total 232.32 280.35 513.39 925.00 20
  • 21. Ratio Analysis FY04 FY05 FY06 FY07 Return on Average Net worth 14.97 18.55 17.08 17.86 % % % % Return on Average Equity 38.24 52.95 59.58 72.65 % % % % Return on Average Assets 1.85% 2.37% 2.77% 2.53% Net Interest. Margin / Average Total 4.51% 6.03% 6.74% 5.67% Assets Interest Expenses / Interest Income 55.71 43.87 48.58 55.74 % % % % Price Earning Ratio 3.14 9.76 13.72 13.61 Price to Book Value 0.45 1.70 1.64 1.08 Dividend Payout 44.18 31.98 42.34 16.08 % % % % Dividend Yield 12.47 2.90% 2.70% 2.08% % Debt Equity Ratio 5.67 6.06 4.19 6.84 21
  • 23. What can be Using Information Technology to transform India Common Service Centers as vehicles for rural inclusion 23
  • 24. COMMON MAN Reaching the last man AWARENESS ACCESS AFFORDABILITY ACCEPTABILITY CONTENT CONNECTIVITY COMPUTABILITY EDUCATION HEALTH EMPOWERMENT LIVELIHOOD 24
  • 25. Delivery Channels Common Service Centers: Reaching out to all 25
  • 26. COMMON SERVICE CENTRES • Under the National e-governance plan of Govt. of India, which was announced by Dr. Manmohan Singh, Hon’ble Prime Minister of India on 15th August, 2005, Implementation of Common Service Centres (CSCs) is the most important event of the four pillars of the NeGP. These Common Services Centres (CSCs) will become Hubs or Community Centres for the delivering all e-governance and other services to the rural people. 26
  • 27. CSC Project salient features • 100,000 CSCs will be established all over India • These will be set up in PPP mode on BOO basis • These CSCs will be the delivery points of all Govt services • Private Partner can use these centres to sell any other service / product • Govt will give a minimum revenue support for G2C services • Profits from other business (eg B2B or B2C services) is for the SCA (Service Center Agency -the private partner) • The selection of the SCA is done through a three stage transparent bidding process 27
  • 28. Current Status • SREI-Wipro consortium has 22,473 CSCs • Our network will cater to 18.98 crore population of India in five states – West Bengal, Bihar, Uttar Pradesh, Tamil Nadu and Assam • Largest ICT based chain • Roll out has started in Hugli District • We completed our back end work by October end (7 months) • Data Center is up, portal is up, wireless network is being rolled out in tandem with CSCs • Operation rollout began in November • 100 centres up and a target of 1000 by each month end 28
  • 29. BENEFITS OF COMMON SERVICE CENTRES • Creating Entrepreneurs – 22473 businesses created in the beginning itself • Bridging the Digital Divide • Government at the doorsteps of people • Access to all services available in urban areas • Access to rural markets • Usable education
  • 30. SAHAJ USP • Largest ICT based network with 22473 Centres catering to 19 crores of India’s population • Network as monopoly. Barriers to entry for others. • Huge community support. Government & Local Bodies’ support in servicing people • Custom made & state of the art infrastructure with complete automation 30
  • 31. Positioning itself as a Business Integrator • Integrating across IT and Infrastructure • Making CSCs work beyond ribbon cutting • Making technology simpler and affordable
  • 32.
  • 33. Partnerships • Wipro – IT Partner • Oracle – IT Software Infrastructure Partner • Intel – World Ahead Alliance • Red Hat – Open Source Partner • SmartBridges – Connectivity Partner • PWC – eGovernance partner for West Bengal • Delloitte – eGovernance partner for Bihar
  • 34. Business Logic • To access various services, a villager has to go to the block headquarter or other nearest town. He loses his daily wage and incurs transportation costs to access services, even if they are free. • Service delivery is not assured • Non-availability of many products & services • Shared Access Model • Aggregation of services and delivery through a kiosk based in his community, allows delivery at minimal costs and time.
  • 35. Existing Models Number of Project Authority Location centres Revenue 1 BELLANDUR GRAM PANCHAYAT Karnataka 1 Rs 25million per annum 2 MYRADA KARNATAKA 1 Rs 750/month 3 TATA CONSULTANCY SERVICES ANDHRA PRADESH 1327 Rs 3000/month 4 GYANDOOT SAMITI MADHYA PRADESH 35 Rs.4375/month 5 16 HEWLETT PACKARD ANDHRA PRADESH Rs 14000/month (incl 3 mobile vans) 6 ITC MP, UP, AP, KARN, RAJ 5500 Rs 15000/month 7 M.S.SWAMINATHAN RESEARCH PONDICHERRY 12 Rs 1500/month FOUNDATION 8 n-Logue communication TN, MP,MAH, GUJ,MP 2000 Rs. 4000 - 20000/month 9 WARNA VIBHAG SHIKSHAN MAHARASTRA 54 Rs 34 million per annum MANDAL Source: Asia Pacific Research Centre, Stanford University, Nov 2005 35
  • 36. LIMITATIONS IN THE EARLIER SCENARIO 1.Lack of sufficient variety of services 2.Lack of economies to capture & cater to mass population 3.No aggregation of content & services 4.Lack of awareness of potential of rural markets among other private investors 5.Top down delivery of services, hence not catering to citizen specific requirements 6. Non-integration of private and government initiatives 7. Unreliability of connectivity, power or service delivery 36
  • 37. Common Service Centres Challenges Unlimited 37
  • 38. Challenges • Infrastructure challenges • Human Resource challenges • Capital challenges • Revenue challenges • Technology challenges • Publicity & Change Management challenges • Politico-administrative challenges 38
  • 39. Infrastructure Issues • Connectivity • Power • IT infrastructure at kiosks • Backend IT infrastructure • Civil infrastructure at kiosks 39
  • 40. Connectivity • Dial up Availability of services Reliability • Data Card Redundancy • Broad Band Bandwidth available • GPRS / CDMA Spectrum issues • CorDect Capital expenditure • VSAT Recurring expenditure • WiLD Availability of equipment • Wi-Fi • Wimax 40
  • 41. Availability • Coverage is poor in most areas • ADC and USOF have not helped so far • USOF towers are overkill • Bandwidth low in GPRS, CorDect etc • Wimax not yet commercial • VSAT recurring exp too high • Patchwork not reliable 41
  • 42. Power • Availability • Quality • Survey, Data • Solar • Gensets • UPS • Biofuels 42
  • 43. CSC IT • How much hardware? • Content, connectivity, computability • Scalability • Remote Management • Power efficiency • Capital Expenditure • OS • Language and localization 43
  • 44. SCA IT • How much hardware and software? • Service Oriented Architecture • Scalability, Availability • Integration • Portal • Security 44
  • 45. CSC Civil • Wide spread geography • Time • Cost • Standardization • Branding • Attraction • In sync with communities? Rural? Ethnic? 45
  • 46. Human Resource • 22473 VLEs • 650 employees + teams of Wipro, Delloitte, Oracle & Intel • Attitude • Subsidy • Bankability • Trainability • Training issues 46
  • 47. Capital Issues • Appetite for risk • Project structuring • Phasing • Internal accruals • Leveraging • Tax efficiency / sops 47
  • 48. Revenue Challenges • Everything looks good on paper • VLE needs to be a genius to do all this • Financial viability • Scalability • Replicability • Ease of training • Cash handling issues 48
  • 49. Technology Risks • Obsolescence • Free broadband • Newer technologies • Competing models • Mobile governance • Who moved my cheese 49
  • 50. Publicity & Capacity Building • Differing perspectives of different people • Publicity • Ownership • Department, District Admin & Local Admin sensitization • Varied interests of intermediaries • Logical Framework & Results Based Management • Training infrastructure • Costs 50
  • 51. Politico-administrative Challenges • New initiative by every new set of officers, by every new government, by new cartels • Our people/their people • M-Governance • USOF • E-Districts • Local resistance 51
  • 52. Value • Because of scale & expertise in infrastructure, SREI has been able to run down costs and meet these challenges • Need to give value to each customer – Government, Citizens, Service Providers • The best teams will be harnessed to set up one of the largest networks 52
  • 53. MODEL OF THE SAHAJ CSC
  • 54. Kiosk Anatomy • Laptops SAHAJ • Peripherals • Brand Space • Power Supply • Wi-Fi (CPE) 7 • Printers (Multi Functional Device) etc • Each CSC to be financed to the Franchisee. • One kiosk to be set up per 6 villages addressing about 9437population • To be located in the market place, Block offices, gram panchayat office etc • Biometrics and smart card readers can be attached
  • 55. CSCs 55
  • 56. Operational Plan • About 4937 kiosks to be setup across 14 districts of rural Bengal, 5565 in Bihar, 2833 in Assam, 1045 in Tamil Nadu & 8118 in Uttar Pradesh. • The ratio of setup shall be 1 kiosk for every 6 villages or as may be required after detailed survey. • Each kiosk shall be under the responsibility of a Village level entrepreneur (VLE) to be selected through standard norms. • The capital expenditure of the Kiosk (about Rs 133K) shall be borne by the entrepreneur. The cost of the infrastructure is about Rs 250 K in the market • Finance facility would be extended to the entrepreneur for availing Kiosk assets.
  • 60. Technical Solution & Transaction Monitoring
  • 61. Sahaj Mitra Portal Sahaj Mitra Login Enter UserID Enter Password Click Login Help Line Call Helpline Send mail to support Call to mobile for support Call Headquarter 61
  • 63. Sahaj Mitra Portal Profile Management My Messages Message from Sahaj Admin Message from other VLEs Update Profile Change your personal information Change Password 63
  • 64. Sahaj Mitra Portal Activate SKash Card Click on the link to activate your SKash card 64
  • 65. Sahaj Mitra Portal SKash Card Activation Card Number will be same as VLE ID PIN 4 digit number Confirmation of the PIN Remember this PIN. For any paid service you need to put your card number and PIN 65
  • 66. Sahaj Mitra Portal SKash Card Activation Once SKash card is activated successfully, VLE can use the card number to avail any paid services SKash Card Details info will be shown in the Home Page. 66
  • 67. Sahaj Mitra Portal SKash Card Details Once SKash card is activated successfully, SKash Card Details info will be shown in the Home Page. Initial Balance will be displayed there. Card can be recharged by clicking Recharge link (Red) Transaction History could be displayed for the VLE (Blue) 67
  • 68. Sahaj Mitra Portal Recharge SKash Card Payment Mode could be of two types – 1. ECS transaction and 2. Demand Draft Transaction number or Demand Draft number needs to be entered Amount needs to be given 68
  • 69. Sahaj Mitra Portal SKash Card Activation Once SKash card is activated successfully, VLE can use the card number to avail any paid services SKash Card Details info will be shown in the Home Page. 69
  • 70. Sahaj Mitra Portal SKash Card Recharge Amount Charged will be shown here Remaining Balance will be increased once it is recharged Transaction History Click on the Transaction History to see the transactions done by VLE 70
  • 71. Sahaj Mitra Portal Transaction History No Transaction has been done by this VLE yet. So No record is coming Now one transaction needs to be done so that records could be displayed here 71
  • 72. Sahaj Mitra Portal VLE Customer Registration In HOME page click on Customer Registration. This customer is VLE’s customer/Villagers. 72
  • 73. Sahaj Mitra Portal VLE Customer Registration VLE will help his/her customer to fill up the forms and get him registered Mandatory fields are marked as red star Once the form is filled up terms and conditions agreement needs to be accepted Click on Continue 73
  • 74. Sahaj Mitra Portal VLE Customer Registration After successful creation of the account it will show the select service page. List of services will be displayed here along with the rates Multiple services could be chosen This step could be skipped as well Click continue 74
  • 75. Sahaj Mitra Portal VLE Customer Registration It will show the total rate of the selected services SKash card details need to be provided Card number will be same as VLE ID PIN needs to be entered twice Click Submit 75
  • 76. Sahaj Mitra Portal VLE Customer Registration It will ask for the final confirmation before deducting the money from SKash Card account Click Confirm Once done go back to the home page and check Transaction History link 76
  • 77. Sahaj Mitra Portal VLE Customer Registration Click on Transaction History 77
  • 78. Sahaj Mitra Portal Transaction History In HOME page click on Transaction History. All the transactions done by the VLE in a given date range will be displayed. 78
  • 79. Sahaj Mitra Portal VLE Customer Login Now VLE customer has been registered. So he can login into the system using his ID and password 79
  • 80. Sahaj Mitra Portal VLE Customer Page List of services will be displayed here. The services for which payment has been made, will be ticked. Services not selected by the customer during registration will be crossed. 80
  • 81. Sahaj Mitra Portal VLE Customer Page Click on Computer Education It will popup a new window where Basic Computer Education will be started. 81
  • 82. Sahaj Mitra Portal VLE Customer Page In Computer learning following things will be available Linux Office Windows Internet 82
  • 83. Sahaj Mitra Portal VLE Customer Page Click on English Education. It will popup the English education portal Login into it. (This login will be removed later) 83
  • 84. Sahaj Mitra Portal VLE Customer Page English Education screen will come up 84
  • 85. Sahaj Mitra Portal VLE Customer Page Job Registration Form Click on Job Registration Page Enter the details Save 85
  • 86. Sahaj Mitra Portal VLE Home Page >> Service Catalogue Click on Service Catalogue link 86
  • 87. Sahaj Mitra Portal VLE Home Page >> Service Catalogue List of services both free and paid will be displayed Rate will be given in the list for paid services 87
  • 88. Sahaj Mitra Portal VLE Home Page >> Register Grievance In HOME page click on Register Grievance Page. VLE Customer can lodge his grievance and send it to any govt dept. It is a paid service 88
  • 89. Sahaj Mitra Portal VLE Home Page >> Register Grievance If VLE customer is a registered user, he can select Registered User radio button and enter his ID. Click on Lodge Grievance 89
  • 90. Sahaj Mitra Portal VLE Home Page >> Register Grievance If VLE customer is a registered user, his existing personal information will be auto populated Grievance details could be given here Click Submit 90
  • 91. Sahaj Mitra Portal VLE Home Page >> Register Grievance Select Lodge Grievance and make payment for it 91
  • 92. Sahaj Mitra Portal VLE Home Page >> Register Grievance Enter SKash card number and PIN here. Click Confirm 92
  • 93. Sahaj Mitra Portal VLE Home Page >> Register Grievance Once payment made it will generate a receipt with unique grievance ID Grievance could be tracked later using this ID. VLE can give a printout to the customer 93
  • 94. Sahaj Mitra Portal VLE Home Page >> Grievance Status Click on Grievance Status on home page 94
  • 95. Sahaj Mitra Portal VLE Home Page >> Grievance Status Enter Grievance no to track the grievance already lodged Click on Check Status 95
  • 96. Sahaj Mitra Portal VLE Home Page >> Grievance Status Current status of the Grievance will be shown in this page 96
  • 97. Sahaj Mitra Portal VLE Home Page >> Add Service If VLE customer wants to have some more add services which he didn’t select during his registration, ADD Service link needs to be clicked 97
  • 98. Sahaj Mitra Portal VLE Home Page >> Add Service Added services will be displayed in VLE Customers Home Page. 98
  • 99. Sahaj Mitra Portal VLE Home Page >> Govt. Form Govt. Form will be available here Click any of the Govt Form link 99
  • 100. Sahaj Mitra Portal VLE Home Page >> Govt. Form Short Description of each Govt. Form will be displayed here You can take the printout of the forms. 100
  • 101. Sahaj Mitra Portal VLE Home Page>>Feedback In HOME page click on Give Feedback link. 101
  • 102. Sahaj Mitra Portal VLE Home Page>>Feedback VLE/Customer can lodge their Request/Feedback/ Complain or Suggestion to Sahaj 102
  • 103. Sahaj Mitra Portal VLE Home Page>>Update Profile VLE can update his personal information by clicking Update Profile 103
  • 104. Sahaj Mitra Portal VLE Home Page>>Update Profile Update existing information and click on Update button. 104
  • 105. Sahaj Mitra Portal VLE Home Page>>Update Profile Once successfully updated it will show the message. 105
  • 106. Sahaj Mitra Portal VLE Home Page>>Sahaj Mitra of the Month Based on some criteria VLE of the month will be selected by Sahaj Admin. The name will be displayed in VLE portal for the entire month 106
  • 107. Sahaj Mitra Portal VLE Home Page>>Corporate Service Following corporate service will be added to the VLE Portal Services from ICICI Prudential BSNL Railway Ticketing Rural PCs from Intel Berger Paints – storehouse in kiosk Wipro pheripherals 107
  • 108. Last mile connectivity • Independent Last Mile Connectivity using WiFi 802.11b/g • 512 kbps connectivity will be delivered at each CSC • smartBridges is the network partner • This network will enable IPTV, VoIP and IPBX and so meet Bharat Nirman targets
  • 110. FIRST FOUNDATION LAYING CEREMONY AT SINGUR
  • 112. Going where no telco has gone before
  • 113. Products & Services Facilitation – e-Governance services Information – Internet, Market rates, Weather forecast Education – Spoken English, Computer Literacy, Typewriting Communication – VoIP, Video Chat, e-mail Empowerment – Job Portal, RTI, Grievance, Microfinance, Insurance Services – Photography, DTP, Matrimonial, Railway reservations, Tele-agri-diagnostics Entertainment – Games, Multimedia Bill Payments – Electricity, telephone, mobile recharge B2B services- data entry, rural BPO, promotions
  • 114. Analysis of Opportunity for CSC INDIA WEST BENGAL Population (July 2007 est) 1129866154 88414796 Rural Population 815983360 63632120 GDP (Credit Suisse) 1Trillion US $ Rs 4100000 Crores Rs 231355 crores Rural GDP (50.88%) Rs 2086080 crores Rs 117713 crores Per capita Income Rs 36287 Rs 26167 Rural Per Capita Income Rs 25565 Rs 18498 Annual Expenditure on services (30%) Rs 10886 Rs 7850 Annual Rural Expenditure on services (30%) Rs 7669 Rs 5549 Rural Expenditure on services per month Rs 639 Rs 462 Population per CSC 8159 9361 Opportunity per CSC Rs 5213601 Rs 4324782 Opportunity for private services 1.0%. Rs 52136 Rs 43248 114
  • 115. Rural Economy in Bengal Particulars Percentages Rs Crore Estimated SGDP in the year 05-06 231355.02 Gross Household Savings 30.10% 69637.86 Net Household Savings( loans adj) 24.52% 56726.29 Contribution by Rural Sector 50.88% 117713.44 Agri Income 41.67% 49051.19 Non Agri Income 58.33% 68662.25 Gross Household Savings (rural) 30.10% 35431.74 Net Household Savings Rural (loans adj) 24.52% 28862.85 Physical Savings 38.90% 13782.07 Net Financial Savings 42.56% 15078.58 Gross Savings per CSC per month INR 4344041.00 115
  • 116. Estimated Savings Use Particulars Amount in Rs Crore Percentage Total Estimated Gross 35431.74 100.00 Savings Small Savings 4864.45 13.73 Bank Deposits 1008.51 2.85 Insurance 3112.52 8.78 Currency 2261.79 6.38 Physical Assets 13782.07 38.90 Others 10402.40 29.36 Insurance/CSC/month 381604.00 INR Target (INR) 76320 20 Commission 15264 20 116