Nextgen Vakrangee Kendra

1 Franchisee Opportunity to own World s biggest E-mall Nextgen Vakrangee Kendra 2 Disclaimer 2 This presentation (the Presentation ) has been prepared by Vakrangee Limited ( Vakrangee or VL or the Company ) solely for the information of interested franchisees for explaining the Vakrangee Kendra model and may not be taken away, reproduced, redistributed or passed on, directly or indirectly, to any other person (whether within or outside your organization or firm) or published in whole or in part, for any purpose. The information contained in the Presentation has not been independently verified. No representation or warranty, express or implied, is made on the accuracy, fairness or completeness of the information presented or contained in the presentation.

2 The financial data/forward looking statements relating to expected investment, working capital, earnings and expenses given in the presentation are only indicative and shall vary based on location/ demography/ price of equipment, materials, taxes, capability of the franchisee etc. and are subject to various business/ geographical, political risks and uncertainties that may cause actual results to differ materially from those that may be inferred to or being expressed in or implied by the presentation. The activation/ availability of Services and the timelines are dependent on the availability of equipment, connectivity and various approvals/serviceability/software/connec tivity/activation from Business partners and their continued relationship with the Company.

3 The availability/ activation of none of the services and the timelines are guaranteed/promised by the Company or its representatives. The contents of this Presentation may at any time be altered/ modified/ deleted/ changed as per the sole decision of the Company, without any prior intimation or consent. Such modification in the Presentation may have a direct/ indirect impact on the operation of the Vakrangee Kendra model and / or the franchisees. The franchisees agree and acknowledge that the Company shall have the sole right/ authority to make any such modification to the content of this Presentation at its sole discretion, without having any liability/ obligation towards the franchisees in any manner whatsoever.

4 Attendees/ Readers of this Presentation should not construe the contents of the Presentation or any prior or subsequent communication from or by the Company or its representatives as an investment proposal or legal/ financial advice and should make their own evaluation/ judgement regarding accuracy, relevancy and adequacy of the information provided throughout this Presentation and take necessary advice from their financial advisors before taking any decision based on this presentation. Neither the Company nor any of its affiliates, advisers or representatives accepts any liability whatsoever for any loss, howsoever, arising from any action or decision based on the information presented, inferred, implied or contained in this Presentation.

5 3 Contents 3 About Vakrangee About Nextgen Vakrangee Kendra Nextgen Vakrangee Kendra Business Model Nextgen Vakrangee Kendra - Selection Process, Operations and Marketing Support About Vakrangee 4 5 Vakrangee is a technology-driven company, focussing on creating India s largest network of last-mile retail outlets. We have emerged as a One Stop Shop convenience store providing a variety of services such as banking , Insurance, ATM, E-Governance, E-Commerce and Logistics. Vakrangee aims to be the most trustworthy Physical as well as online convenience -store across India. 44,000+ Kendra * 3rd Largest Franchisee Chain in the world 25+ Years Founded in the year 1990, Vakrangee has 25+ years of service excellence Debt Free Company Debt free Company with Sound Financials About Vakrangee : *As on 1st Jan, 2018 6 Vakrangee : Strategic tie up with Indian Oil Corporation Ltd.

6 Plan to set up Vakrangee Kendra in more than 20,000 IOC Retail Outlets (Filling/Gas Station) located in Pan India. (IOCL has more than 25,000+ Retail Outlets) Vakrangee Kendra at 500 IOCL outlets to be operational by 30th June, 2018 As on 31st March, 2018, 250+ Kendras already set up at IOCL outlets 20,000 Vakrangee Kendras to be opened at IOCL outlets Udaipur, Rajasthan Mumbai, Maharashtra 7 Vakrangee : Backed by Globally Renowned Firms Management Consultant Marketing Consultant Store Branding Consultants Management Consultant 8 Vakrangee : Roadmap Marching towards Vision 2025 On course to achieve Vision 2020 (launched in the year 2015) 9 Vakrangee Kendra : Our Presence Vakrangee Kendra Presence 10 Vakrangee Kendra .

7 Our Evolution PHASE 1 : KIRANA STORE MODEL PHASE 2 : E-MITRA MODEL Services Offered : E-Governance Services Offered : E-Governance 11 Vakrangee Kendra : Our Evolution PHASE 3 : banking BC POINT MODEL PHASE 4 : MULTI-SPECIALITY STORE MODEL Services Offered : E-Governance banking Services Offered : E-Governance banking E-Commerce Insurance ATM (Optional) 12 Vakrangee Kendra : Our Evolution PHASE 5 : Nextgen Kendra MODEL DIGITAL convenience STORE Services Offered : E-Governance banking E-Commerce Insurance ATM (Mandatory) Logistics 13 Vakrangee Nextgen Kendra : Market Potential POPULATION 121 Crores TOTAL NO OF VILLAGES 6,54,424 RURAL Kendra POTENTIAL 2,94,442 URBAN Kendra POTENTIAL 75,535 TOTAL Kendra POTENTIAL 3,69,977 Click here Potential Kendra Opportunity About Nextgen Vakrangee Kendra 14 15 Nextgen Vakrangee Kendra Model: Exterior (ATM Mandatory) 16 Vakrangee Kendra offers a broad spectrum of services across different sectors to offer a One Stop Shop solution for its customers banking & Financial Services ATM (Mandatory) Insurance Logistics Nextgen Vakrangee Kendra .

8 Services Overview E-Commerce E-Governance 17 E-Governance Railway Ticket E-Booking with IRCTC All Type of Bill Payment Services with BBPS Other E-Governance services wherever available Nextgen Vakrangee Kendra : E-Governance Services Pull based & Necessary Services Services like Railway Ticket e-booking and bill payments services are highly popular need based services. Creates Trust - High visibility of service, hence building trust within citizens towards the Kendra Benefits 18 Recognition by RBI as a banking outlet (with certain conditions), hence highly reputable service to increase your goodwill in the market. Increased Brand value due to Loan Products, creating visibility as a banker of the area Real Time, Interoperable & Paperless banking services Most technologically advanced mode of banking which provides ease of transactions to customers High revenue opportunity: Since, the outlet is operational for extended working hours, citizens prefer banking at the outlet as per their convenience Benefits Nextgen Vakrangee Kendra .

9 banking Services banking Lead generation/ Documentation for Loans Credit Cards lead generation and documentation Social Security Schemes such as Atal Pension Yojana, Pradhan Mantri Jeevan Jyoti Yojana, Suraksha Bima Yojana Account Opening, Cash withdrawal & Deposits, Fund and money Transfer, IMPS 19 Nextgen Vakrangee Kendra : E-Commerce Services Zero Inventory Model - No investment to maintain stocks of varied products Biggest E-Mall for Products - Wide range of products: Availability of 15 Cr+ products under Amazon Low Ticket Gold Products - Addressing the need to purchase Gold on EMI Fast moving services like mobile & DTH recharge and bus ticket booking, which increases customer footfall Benefits Assisted E-Commerce Assisted e-Services Mobile/DTH Recharge, Reliance Jio connection Bus Ticket booking with RedBus Assisted e-Shopping Over 15 crore products on Amazon Gold jewellery and gold coin for Augmont Mobile handsets of Reliance Jio & other brands Pharmacy products of Netmeds Wholesale/Bulk Sale of products to retailers (B2B)

10 To be added 20 Insurance Life Insurance General Insurance (Motor / Vehicle / Travel etc.) Health Insurance Nextgen Vakrangee Kendra : Insurance Services Huge Untapped Opportunity: Life Insurance penetration in India is less than 3% 70% of two wheelers are not insured in India, giving this service can get good revenues for the franchisee Less than 20% people in India are covered under Health Insurance schemes, therefore distribution of this service can be a good revenue channel for franchisee Benefits 21 ATM Financial Transaction - Cash Withdrawal Non Financial Transactions - such as Balance enquiry, Pin change, mini statement, Fund transfer Value added Services -Aadhar Seeding, Statement Request, Card to Card Funds Transfer, Cheque Book Request.