1. TATVAM TECH SYSTEMS PVT LTD
Leveraging Technology
Solutions for better Productivity
Attractive Price points
Suited to Corporate and Individual Needs

2. Promoters Background
• We at Tatvam come together with diverse experiences
– CxO-level Executive
• 35 years of Corporate Experience
• Forte’ in Management and Marketing
– Serial Entrepreneur
• 6 years International Work experience
• Worked with companies in the US, Nepal, India and Australia
• Influences and insights to business and customer needs
– SaaS-based solution expert in Sales and Licensing
• 3 years of IT experience
• Solutions for SMEs across South East Asia and Asia Pacific
• Forte’ of relationship building with Channel Partners and Service Providers
– Banking and Finance Executive
• Forte’ in Financial Compliance and Corporate Governance
• Customer Relationship Management
 2010 Tatvam Tech Systems Pvt Ltd

3. Tatvam’s Offering
BILLBHARO
An Electronic Payment Collection
Platform for Businesses
 2010 Tatvam Tech Systems Pvt Ltd

4. Issues with Current Methods
Issues with Traditional Methods of Payment Collections
Cash handling  Accounting issues
 Unsafe
 Amount collected might not be equal to Amount
billed
Cheque handling  Delays in encashment
 Physically need to visit the Branch/ATM for
depositing the cheques
 3 days to clear from time point of drop to the
Bank
 Loss of cheques a possibility
 Lost cheque / Bounced cheque charges incurred
by Business/Customer
Electronic modes /  Credit Card mostly offered
 Cost to integrate and setup is substantial
Payment Gateways  Reconciliation still to be carried out by Business
 2010 Tatvam Tech Systems Pvt Ltd

5. BILLBHARO’s Value Proposition
• No Cash Handling
• Faster Realisation of Funds
• Safe and Secure Payment Platform
• Multiple options to receive payments for your Business
– Payment Modes : Net Banking + ECS Debit + Credit Cards + Debit Cards + Cash
Cards / Prepaid Cards
– Payment Avenues : Internet + IVRS (Multi-lingual) + Mobile Internet*
• Cost Effective Pricing Model, ZERO Setup Cost
• Monies are credited into your designated account; complete
with reconciliation reports
• An additional method of Collection NOT an attempt to
replace/remove current payment collection
 2010 Tatvam Tech Systems Pvt Ltd

6. Possible Areas of Payment Collections
1. Monthly / Quarterly / Annual Subscription Charges from Customers
2. Monthly / Quarterly / Annual Usage
3. Incidentals
4. One Time Costs
5. Others
 2010 Tatvam Tech Systems Pvt Ltd

7. Advantages to Businesses
1. Amount Billed = Amount Collected : No Cash Interface
2. Ease of collection and processing of payments
3. Faster realisation of funds (3 Business Days at Max)
4. No Cheque Loss
5. Reduction in Accounts Receivables cycle
6. Cost reduction on account of Administration and Collection
7. Receipt of payments directly into designated Bank Account
8. Ability to receive payments via multiple channels
9. Can be used by Biller to pay its Suppliers, Vendors, Businesses and/or
other Service Providers
10. Electronic and Secure Record of all transactions
11. Eco-friendly
12. Value – added Service to Customers
 2010 Tatvam Tech Systems Pvt Ltd

8. Advantages to Customers
1. Pay in a few Clicks.
2. Saves Time, Money & Resources involved in making Payments
3. Safe and Secure Payment Platform
4. No Cheque Loss and Lost/Bounced Cheque charges
5. Payment to Service Provider via a channel comfortable to Customer
a) Channels include – ECS Debit, Credit Card, Debit Card, NetBanking, Cash Card
b) Methods include – Web, IVR, Mobile Internet*, Mobile Application*
6. Continue accruing your Mileage/Loyalty Points on using your Cards
7. Freedom to Choose the channel(s) of payment for your bills
8. Electronic Records of all transactions
9. Reminder for Bills to be paid
10. Biller Wishlist – you choose billers we should be add* !
11. Transact in your mother-tongue*!
12. Dedicated section for NRI Customers* (*coming soon)
 2010 Tatvam Tech Systems Pvt Ltd

9. Costs Involved
Cost to the Business:
ZERO SETUP COST
+
NOMINAL FIXED MONTHLY FEE
+
PER TRANSACTION FEE
 2010 Tatvam Tech Systems Pvt Ltd

10. Costs Involved
Cost to Customers:
NOMINAL CONVENIENCE FEE PER TRANSACTION
 2010 Tatvam Tech Systems Pvt Ltd

11. Financial Tie Ups
AREA OF TIE UP PARTNER CHOSEN
RBI ECS Debit Facility Greater Bombay Cooperative Bank
NetBanking HDFC Bank, ICICI Bank, Axis Bank, IDBI Bank,
CitiBank, Corporation Bank, J&K Bank,
Karnataka Bank, Yes Bank, Laxmi Vilas Bank
State Bank of India, Bank of India, Kotak Bank,
Union Bank of India
Credit Cards IDBI Payment Gateway
Debit Cards IDBI Payment Gateway
Prepaid Cards IDBI Payment Gateway
TimesOfMoney – Klinnk
Portal Development Cyberlinks Technologies Pvt Ltd
IVRS Atom Technologies Ltd
Mobile Application / WAP Cyberlinks Technologies Pvt Ltd
 2010 Tatvam Tech Systems Pvt Ltd

12. THANK YOU
Contact Details
TATVAM TECH SYSTEMS PRIVATE LIMITED
Gurgaon Mumbai
A 562 G A 1607/8 Ashok Towers
Sushant Lok Dr Babasaheb Ambedkar Rd
Phase 1 Parel
Gurgaon 122 002 Mumbai 400 012
+91 983 377 7227 +91 992 071 7371
+91 124 257 4247 +91 22 2415 0955
adityababbar@tatvamtech.com ashimababbar@tatvamtech.com
www.tatvamtech.com www.billbharo.com
 2010 Tatvam Tech Systems Pvt Ltd