Gaipl SIP presentation

JKBS/AICTE/15-17/18 1

ByBy Mitali Sinha Mitali Sinha


• About GAIPL

• Tie-ups

• Project- Loan Sehyog

• Roles & responsibilities

• Porter’s five forces model

• PESTL analysis

• SWOT Analysis

• Learning


• Gencorp Advisory India Pvt Ltd is a DSA of many leading Banks and NBFCs.

• They assist businesses and individual in fulfilling their financial requirement by providing financial products and services.

• They bring multiple lenders at one place so you don’t have to speak to several financiers or search multiple websites to find the right product.


• They will handle your financial need end to end.

• Product Range:- i) Auto Loan :- New Car Loan /Used Car Loan /Top-up Loan ii) LAP iii) Personal Loan/Home Loan/Business Loan.

• Branch Network :- Delhi, Mumbai, Ahmedabad & Amritsar.

• Upcoming Locations :- Jaipur, Ludhiana, Chandigarh & Jalandhar.



• “Loan Sehyog”, which is a project recently started by GAIPL. It is similar to Peer to Peer lending, which is the practice of lending money to individuals or businesses through online services that match lenders directly with borrowers.

• Borrowers can sometime gets better rate than traditional banks.

• For lenders it can be higher returns than investing in FDs or other investment.

• It is new in India but is very popular in countries like US, China and Europe.


• Calling and following up the generated leads and confirming the amount of loan they need and other relevant information

of the customers.

• Finding deviations and verification of the KYC.

• Filling up the customer’s form and completing up the documentation work.

• Managing the spreadsheets of customer.


• Threat of New Entrants (High)Government licensing and RBI regulationsSkilled manpowerHigh initial manpowerProtected intellectual propertyThe entry of foreign banks

• Power of Suppliers (Low)Rise in investmentProviders of fundsRole of RBIInterest rates

JKBS/AICTE/15-17/18 9Contd..

• Power of Buyers Long term financeMargins and volumesMultiple options

• Competitive Rivalry Too many players of same sizeSame strategiesLess product differentiation, price competitionLow market growth rate

• Availability of Substitutes Close customer relationshipsConservative customersRisk taking customers attitudeSwitching cost


• ConclusionThreat of New Entrants HighPower of Suppliers LowPower of Buyers HighCompetitive Rivalry High Availability of Substitutes High

• • As per the Porter‟s 5 Forces Model most of the forces scored

high, hence it is unfavorable.


• Political Factors FDI investment limitBudget and budget measuresFocus on regulation

• Economic Factors High inflation Low growth of Real Estate sectorEconomic situation

• Social Factors Lifestyle changes Family break-ups and nuclearizationGrowing population Regional shiftsIncrease in working force


• Technology Factors Hardware and software developmentTechnological infrastructure

• Legal Factors Need of license by RBI or NHBFluctuating repo rate and other interest ratesVarious kind of hard documents and KYC required


STRENGTH• Tie-ups with major banks & NBFCs.• Other channel partners.• Delivery of product and services at customers doorsteps.

WEAKNESS• Lack of advertisements.• No online app.


OPPORTUNITIES• New banks and NBFCs.• New types of financial products.

THREATS• No. of competitors are increasing day by day.


• New concept of Peer to Peer lending.

• To convince customers telephonically for loans.

• Different banking terms such as DSA, DST, CIBIL score top-up loans, BT, floating/flat/reducing interest rates.

• Learned the process of disbursement of loan.



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Gaipl SIP presentation