Ayekart pitch deck

1. India’s 1st Integrated Supply
Chain Platform
Privileged and Confidential
For Private circulation only
Empowering Traditional Business
with Technology, Finance & Services
Organizing The Unorganised

2. 2
The team comprises strong leadership with solid domain experience
Two decades of experience in
Fintech and Agtech space
Co-founded, "Safal Fasal - The
Complete AgriTech Ecosystem”;
Mastercard Farmer Network
with Govt. of AP
Headed Govt. business for
Mastercard in S Asia
CEO of BPC India and Global
Head – Ecommerce platform
Headed Business for FINO
Founding team member of
Manipal Business Solution.
Hon. Doctorate in Food & Agri
supply chain from Ecole
superieure Robert De Sorbon
France
Two decades of experience in
Rural India.
Handled clients like The World
Bank, UNDP, DFID, UNIDO,
UNFPA.
Worked with Govt central and
states, INGO and Corporates
like Pearson, Career Launcher
Specialized in setting and
scaling up operations with
quality and profitability.
Dr. Debarshi Dutta
Co-Founder and CEO
Sanjay Shah
Co-Founder and CFO
Milind Borgikar
Chief Technology Officer
Ashutosh Singh
Chief Operating Officer
Accomplished goal-oriented
thought leader with 20+ years’
experience in management of
projects, partnerships, funds &
people besides knowledge
management. Hands-on
experience of managing large
multi-location operations from
program planning and goal
setting to handholding teams for
optimal organizational efficiency
and tangible outcomes
Amit Kr. Singh
President – Impact & Sustainability
Sanjay has abundance of
knowledge and experience in
the start-up business. Sanjay is a
chartered accountant with over
20+ years of experience. He
specializes in auditing, taxation,
mergers, acquisitions,
transaction advisory, and
fundraising with clients ranging
from Service, Fintech, Trading,
and the Manufacturing Industry.
With Rich Experience in various
fields and industries, in 2008 he
also started fund Raising &
Advisory Services in Partnership
with Merchant bankers
Milind is a tech aficionado. He
has immense knowledge and
skill in the technical field. He is
Highly experienced in AR, ML, AI
and app development. As a
manager at Vodafone, he
worked on Next Best Action,
Adaptive cognizance /Machine
learning, best fit offer delivery
via different campaign platform
integration. He also worked as a
Senior software engineer at IBM
and software engineer at Tata
Consultancy services

3. 3
Satish Grampurohit Ram Chari Dr. Nirmal Bansal Dr. Abhishek Agarwal
Ayekart has a diverse set of advisors from the industry
• Satish has 25+ years of
experience in Global IT
Services working with
Infosys.
• Satish is actively
involved in few
startups as Investor,
Mentor and Board
Advisor/Observer.
• He enjoys taking an
active role in the larger
canvas, to help scale
early-stage startups
• Ram has over 30 years
of diverse experience
working across the
globe in Payments,
Software Products and
Technology.
• Currently he is COO at
Magnati LLC (UAE).
• Previously worked at
DHL, American
Express, Network
International,
Mastercard
• A Seasoned Banker
and certified
Corporate Director by
IICA/MCA and MIOD
with over 35 years of
experience in Banking
and Financial Sector
domain of wholesale
banking, Govt biz,
products and
solutions, Financial
Inclusion and Digital
solutions.
• Dr. Abhishek Agrawal is
Ph.d in Municipal
financial reforms, CA
and MBA with 20 years
of experience in Micro-
finance sector and
development sector.
• He is currently Accion’s
Chief Regional Officer,
South Asia
• He had worked as CFO
for more than 12 years
in several countries

4. June 2021
Go Live Pilot Phase
Go Live with B2B Business
platform in select Geography
for Bulk supplies
Winner of Benefit Fintech
Award June 2021,
Bahrain Supernova Fintech
Challenge*
• https://www.linkedin.com/posts/fintechgalaxy_bahrainsupernovafintechchallenge-fintech-activity-6813754311147839488-KPVA
• https://bfsi.economictimes.indiatimes.com/news/fintech/ayekart-raises-funding-of-5-5-million-to-help-farmers-businesses-in-agri-
sector/94070817
Sept 2021
Commercial – B2B, Angel
Funding, SCF pilot
Commercial phase for B2B
supplies. SCF pilot initiated.
Dec 2021
Pilot Roll out Distributor to
Retail SCF Model
Crossed GTV of INR 60 Crores
Jan - Mar 2022
Multiple SCF partners
Onboarded multiple SCF
Partners.
GTV of INR 139.5 crores for FY
22 with PBT of 13.95 Lacs
Apr - June 2022
Signed Debt TS with
Caspian
Crossed GTV of INR 200
Crores , Q1 FY 23 – 82.07
Crores GTV
Ayekart Milestones
July 2022 – till date
Raised 20 Crore of Debt
Raising 20+ Crore of Equity
Crossed GTV of INR 300 CR

5. FPOs/ Small
Aggregators
Millers/ Manufacturers/
Processors
Distributors/
Exporters
Retailers
End Consumers /
Farmers
5
Ayekart Ecosystem: Food and Agri Value Chain
Market
Linkages
Financial
Services
Technology
Advisory
& VAS
Other Ecosystem Partners:
• Financial Institutions
• Warehouses
• Logistics
• Input Manufacturers
• Equipment Manufacturers
Our Technology Platform:
• Digital Profiling
• Business Platform is Demand
Based instead of a Marketplace
• MiniERP for MSMEs
• Complete Shop Management
Solution along with price
discovery from distributors
• One click application for SCF
• Digital Contracts for order
processed by the platform
• Complete visibility of fund flow
to financial institutions
• Easily Integrated to FIs
• Easy decision making for FIs to
lend based on history
• Workflow designed as per the
ICFR standards
• Payments reminder and
collection facilities
• Analytics and Reports

6. 6
Ayekart Perspective
We deliver services with
Transparency and Agility
Help traditional businesses
keep pace with the change
v Focus on today’s
requirement and its
impacts on tomorrow
v Build ecosystem for
traditional business to
flourish and access the
services of partners for
market linkages, finance
and services
v Provide insights to stay
ahead of competition and
market with advisory
services
Digital Profiling Demand based Bulk
B2B Platform
MiniERP for MSMEs
Retailer
Management
Digital Contract
Single click SCF
Traceability &
Transparency
Easily Integrated
Decision Support for
Financial Institutions
Workflow
Invoicing &
Collections Reminder
Analytics & Reports
Product Suite
Core Application

7. 7
Ayekart Platform
Core Application
Secured and Scalable
Ayekart Business, Hisab
Product Suite
MiniERP, Partner Portal,
Workflow, AI & Analytics
Partnership
Financial Institutions,
logistics, Distribution,
Manufacturing
Ayekart Platform
(A single App/ Platform for
traditional Businesses)
A single platform to cater to all needs of the traditional businesses.
One platform adds to customer stickiness and business growth
• Digital Profiling • Embedded Finance • Digital & Hybrid Model
• Market Linkages

8. 8
Our Key Partners to Growth
Lesser know
Brands/ B2B
customers
Financial
Agencies
Development
Agencies
Incubators/
Industry Body
• Multiple small Millers, Processors
• Multiple Distributors
• Retailers
• FPCs, FPOs, Small Aggregators
• NAFED, Stalwarts, Panchwati, Thar
etc.
• Few strategic tie-ups with Start-ups
• Horeca segment with Airport
lounges, restaurants etc.
Active Partners
• Siply with Hindon Mercantile Bank
• Vayana with Muthoot Finance
• Mintifi
• Caspian Debt
• FINO Payments Bank
• Drip Capital
• Utkarsh SF Bank
• Axis Bank
In Pipeline
• FT Cash
• Ananya Finance
• TVS Credit
• Recur Club
• Ziploan
• ePay Later
• Lending Kart
• Poonawalla Fincorp
Banking Discussions:
• Yes Bank
• ICICI Bank
• Ujjivan SF Bank
• India Post Payments Bank
• Kotak Mahindra Bank
• PANI – Agri route
• TRIF
• JSW (in discussion)
• Hefer International (in discussion)
• SERP Govt. of Andhra Pradesh
• Indigram Labs
• IIM Lucknow (in discussion)
• Indo-American Chamber of Commerce
• Flour Mills Association, Lucknow (in
discussion)

9. 9
Buyer generates demand for
Product, SCF, Logistics
Processes requests to multiple
product suppliers
Quotes received by Buyer
inclusive of Ayekart Margin
Suppliers sends their quotes
Based on Buyer acceptance,
order is placed
Order accepted by Supplier
Based on Buyer acceptance,
order is processed
SCF and Logistics details
shared to Buyer
B2B – Bulk / Wholesale Business:
Buyers like: Manufacturers / Processors / Distributors / Exporters
Suppliers like: FPO, Small Aggregators, Manufacturers/ Processors
All products are billed by Ayekart to Buyers
We Simplify Business

10. 10
B2B – Retail Business:
Buyers like: Retailers
Suppliers like: Distributors
Ayekart: Platform Services and creation of channels – distribution/ financial
Distributors lists their products Retailers place order along
with SCF request
Distributors processes the orders SCF request along with
documents shared with FIs
FIs makes payment to
Distributors
Ayekart is originator of SCF, gets
platform and processing charges
We Simplify Business

11. 11
Ayekart Platform is creating ripple effects with collaborations and partnerships to
Digitizing the Traditional Business Value Chain
We enable
transactions
at every
phase, may it
be B2B or
B2C
And with a USP created by the multiplier effect from the multiple
touch points in the Value Chain

12. 68%
Agri, Food and
Grocery
86% ~ 144 MN
Marginal Farmers
92% Unorganized
Retailers
63 MN MSMEs
70%
Lesser known
brands
US$ 1000 BN
Retail Industry by
2025 (P)
US$ 500 BN
Agri & Processing
Industry
US$ 120 BN
E-commerce by
2026 (P)
* Source of above data is from Statista, TOI, Govt. of India, ibef websites
12
The India Opportunity is a massive one driven by the unorganized
Traditional Business Value Chain

13. Ayekart Structure
13
Ayekart Fintech
Ayekart Agro
Ayekart Foundation Ayekart Capital (Proposed)
Q3 FY 2023
• Proposed Operationalization in Oct 2022
• Trade to be initiated by this entity and
venture to VAS for Food & Agro business
• Focus on Bulk business from FPO/ SA/
VLEs to Manufacturers & Processors and
then to Distributors
• Generate orders focused on SCF
requirements both in B2B bulk and Retail
• Focus on exports
• Focus on distribution
Q2 FY 2023
• Focus on FPOs
• Focus on training, marketing and
sourcing from FPOs
• Work closely with Ayekart Agro to
support them in procurement
• Raise grants and funds from Donor
Agencies for the development of farming
community, creation of FPOs and their
sustainability
• Support in crop planning for FPOs
Q3 FY 2024
• Will be the NBFC arm to serve the
customer book build by Ayekart Fintech
and Ayekart Agro
• Will raise debt funds for further process
Existing
• Will be the holding company for the group companies
• Will have the ownership of platform
• Will be the technology hub for the group
• Will charge for each transaction processed by the
platform
• Will enable multiple financial institutions to support the
customers of Ayekart
• Will cross sell financial products
• Will monetize of data
• Will make premium version available on subscriptions

14. Growth Story
14
0.20
1.17
1.76
2.15
0.05
0.49 0.54
0.66
0.05
0.23
(0.03)
0.09
Jul - Sep 2021 Oct -Dec 2021 Jan -Mar 2022 Apr - Jun 2022
Gross Margin EBIDTA Net Margin
(IN INR - CR)
10.02
53.36
75.33
82.07
-
10.00
20.00
30.00
40.00
50.00
60.00
70.00
80.00
90.00
Jul - Sep 2021 Oct -Dec 2021 Jan -Mar 2022 Apr - Jun 2022
SALES GROWTH
(IN INR - CR)
-0.50%
0.00%
0.50%
1.00%
1.50%
2.00%
2.50%
3.00%
Jul - Sep 2021 Oct - Dec 2021 Jan - Mar 2022 Apr - Jun 2022
QUARTERLY PROGRESS
Gross Margin EBIDTA Net Margin

15. 15
Our financials speak of solid growth and rapid validation of the
business
0
0.5
1
1.5
2
2.5
3
0
500
1000
1500
2000
2500
3000
Apr 21 May 21 Jun21 Jul 21 Aug 21 Sep21 Oct 21 Nov 21 Dec 21 Jan 22 Feb22 Mar 22
Sales Gross Margin %
-25
-20
-15
-10
-5
0
5
-5.00
0.00
5.00
10.00
15.00
20.00
25.00
30.00
Apr 21 May 21 Jun21 Jul 21 Aug 21 Sep21 Oct 21 Nov 21 Dec 21 Jan 22 Feb22 Mar 22
EBITDA EBITDA %
INR in lakhs
Sales CAGR 69%
month on month
Turned EBITDA
(+)ve in short span

16. Our Presence
16

17. Business
Seamless B2B Experience
Hisab
Simplifies Business
17
Ayekart Platform – empowers businesses digitally its offerings
AyeMitra
App to facilitate
the whole
process
• Credit & Sales Monitoring
• Tracking customer &
supplier payments
• Stock Management
• Geo Fencing
• Multi city pricing
• Multi pack pricing
• B2B Offerings
• Banking, Loans &
Insurance offers
• Auto reminder setup
• Day to day monitoring of
sales
• Invoice Generator
• Payment Requests
• Stock Management
• Attendance & Salary
• Push notifications to
customers

18. 18
Made possible by a Techno Functional stack, which is cutting edge
with leading encryption capabilities

19. B2B Ecosystem with Supply Chain Finance Hyperlocal with Store Management
19
Robust offerings in the following areas delivering further stickiness
Access Controlled Layers
Enhancing reach & Control of Partners
Feature Rich with Rewards and Loyalty
Supply Chain Finance Options online
Retailers can go hyperlocal in their
neighbourhood
Shop visibility made online with a catalogue
Online payments collection through app
Inventory and Stock Management

20. End-to-end
Supply Chain Mgt
Quick to scale
Easily
Integrated
Low Risk
Agile & Flexible
1. Digital Profiling
2. Merchant Acquiring: Creating Value Chain
• In All segments – Producers, Manufacturers,
Distributors and Retailers
3. Adding Stickiness to Customers with
• Shop Management using Ayekart Hisaab
• Providing of B2B channel and market
linkages
4. Access to Finance and Credit period: SCF and/ or
Credit period to the Value Chain participants
5. Access to Markets: Cross Sell of other products
increasing business viability
6. Transaction acquiring
Scope of Operations Ayekart Advantage
20
Creating Opportunities for
traditional businesses
A Summary of our Digitization of the Traditional Business Value Chain

21. 21
Business Customers Retail Customers
Digital/ Physical
acquisition of B2B
Digital acquisition of
B2B2C
Ayekart MSME Neobank
Integrated Marketplace / Digital Platform (Ayekart Fintech)
SaaS, Supply Chain, Retailer Shop Management, Distributor/ Manufacturer
Work Flow Management
Bank A Bank B Bank C
Ayekart Ecosystem
Ayekart focuses on Micro, Small and Medium business segment with the
special emphasis on Traditional Businesses
The future of the Ecosystem that Ayekart is building
Partners in
the
Journey

22. Thank You
Milind Borgikar, CTO & Co-Founder, Ayekart
Email: milind@ayekart.com
Visit us at: https://ayekart.com