Private Capital
Commercial due diligence on a gold loan platform
07 Apr 2020
Context
  • Deal type: Growth 
  • Deal size: US$ 25M - 50M
  • Duration: 4 weeks
Key Findings
  • Increasing gold loan AUM with organized players winning a share 
  • The attractive customer value proposition with quick turnaround and minimum documentation
  • Growth of the segment is driven by an increase in digital penetration
  • Significant opportunity to cross-sell to existing lending customers
  • The superior digital process leading to higher ROI

Key Insights / Outcomes

Need for gold loan varies across different demographic segments in India

TAT for online lending process is lower for online gold loan borrowers due to in-house process

Praxis Differentiated Approach

  • Proprietary Praxis mind map tool to figure out use case
  • Online vs offline loan process benchmarking
  • Consumer survey of online loan takers vs offline (~N=1,000)
  • Consumer survey of online loan takers vs offline (~N=1,000) 

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