AchiieversAchiievers FinanceFinance IndiaIndia (P)(P) LtdLtd Private Issue of Secured ,Rated, Listed, Redeemable Non-Convertible Debentures (NCD) TRANCHE- II

Interest Per Annum * Issue open on Issue closes on 19th June 2019 18th July 2019

* Highest coupon rate Strictly Privileged, Private and Confidential- For Private Circulation only Strictly Privileged, Private and Confidential- For Private Circulation only Achiievers Finance India (P) Ltd

Issues Opens : 19th June 2019 Issues Closes : 18th July 2019

Earn Get Yield Double Interest up up to within 5 to 13.25 13.99 % Years and % pa pa 7 Months

 Proposed to be listed with BSE

 Credit Rating is IVR/BB (IVR Double B; Outlook Stable)

 Issue Price is Rs.1,00,000 Per NCD

 Minimum Application is 1 NCD (Rs. 1,00,000)

 Private issue of Secured NCDs

Strictly Privileged, Private and Confidential- For Private Circulation only Why invest in Achiievers Finance’s NCD Comparison

Achiievers Finance’s NCDs (Listed) FD/Corporate FDs NCD (Listed) Highly liquid as it's listed Highly liquid as it's listed on FD/Corporate FDs Not on exchange (BSE), Liquidity exchanges, investors can exit listed on exchanges investors can exit before before maturity maturity Maximum insurance of Backed by Company's Safety Backed by Company's Assets Rs. 1 lakh only in case of Assets. Hence it is fully banks secured.

Demat Yes No Yes

Rate of Interest 9.6 % to 11.6% 5.75 % to 7.35 % 12.6 % to 13.25%

Interest Rate No Risk, as it is come with No Risk No Risk Risk fixed coupon rate

Strictly Privileged, Private and Confidential- For Private Circulation only Growth has no limit, keep revising your vision. Only when you can dream it, you can do it. If you have a dream to make it big, Achiievers is the partner you have been looking for it. We will not only help you conquer your dream but also make the journey simple, comfortable and unique. ” Suman Chakrvarty Founder, MD and CEO ABOUT US Achiievers Group is an operation since last nineteen years, formed with an objective to provide ONE STOP FINANCIAL SOLUTIONS to its customers. We aim to provide comprehensive financial service to our stakeholders under the single umbrella of “ACHIIEVERS”. The services are offered under total confidentiality and integrity with the sole purpose of maximizing return to clients. “It is our vision to be one of India’s leading financial conglomerates, offering complete financial solutions that encompass every sphere of life”. We seek to be trusted, admired and respected among all the stakeholders, customers, employees, regulators, share holders and the community at large. We wish to achieve our vision by only doing what´s right.

Mutual Funds Equities Commodity Gold Loan 24*7 Support Derivatives SIP Insurance IPO Currency Strictly Privileged, Private and Confidential- For Private Circulation only Our Mission, Vision & Core Values

Mission Vision “We aspire to become a “It is our vision to be one of pioneering and forward- India’s leading financial looking organization that is conglomerates, offering collaborative, nimble, complete financial solutions innovative and responsive to that encompass every sphere the changing needs of our of life.” We wish to achieve our clients.” vision by only doing what´s right.

Core Value As a Group “We conduct our business We envision to fairly with transparency & reach every 2nd honesty. With full responsibility household in the and sensibility we achieve country in the next highest possible standard in our 10 years day to day work. We are compassionate and respectful towards customers.”

Strictly Privileged, Private and Confidential- For Private Circulation only Launched 1. Reached 200cr. Online Mutual AUM (at Group level) Fund. Started Reached 2. Achiievers Finance India (P) Ltd is now Listed in a new venture 40,000 Client Base Bombay (BSE) in Debt segment in Singapore As a Group

Achieved 1,000cr.

ories 2019 2018 2017 Turnover in a day. t IRDA In the month of May we started new S 2016 gold loan branch at Canning Recently started certificate In the month of June & th s our 7 Gold registration Aug we started two s loan branch at –Corporate new gold loan branches Reached Jadavpur Agent for at Diamond Harbour & 20,000 customers. Fulia 2014 In the month of Feb’ 14 & Sep’ 14. We started two new gold loan branches at We took Kakdwip & Baruipur respectively membership of 2011 2012 2013 Succe leading 2010 exchanges like Became a Reached Started our NBFC arm ACHIIEVERS & NSE, BSE etc. member of 10,000 Client QUICK GOLD LOAN. Starting with

y CDSL Base Thakurpukur Gold Loan Branch on July 2013 e Incorporated ACHIIEVERS 2009 EQUITIES

LTD 2008 2003 1999 journ r Took membership Become the Started our of MCX under sub broker of operations Achievers ICICI Direct as Sub Ou Commercial Pvt Broker Ltd Strictly Privileged, Private and Confidential- For Private Circulation only Achiievers Group has two verticals

Lending against Gold Jewellery Financial Service and Solutions

• Achiievers Finance India (P) • Achiievers Equities Ltd Ltd • Achievers Commercial Pvt Ltd • R N Advisory Services Pvt Ltd • Achiievers Wealth Advisors Pvt Ltd • Achiievers Infrastructure Pvt Ltd • Achiievers PTE Ltd (Singapore)

Strictly Privileged, Private and Confidential- For Private Circulation only • Equity & Currency Trading Achievers • Demat Commercial Facilitates Pvt Ltd • Insurance Commodity Trading • Mutual Fund & & Research Activity IPO Achiievers OUP • Research Equities Ltd

R Activity Financial solutions ACHIIEVERS PTE

G LTD (Singapore) & financial

advisory services

S R Achiievers Achiievers Finance India Achiievers • Finance ( P) Ltd Wealth Advisors against Gold Group Pvt Ltd Ornaments • Money Transfer • Selling of • Financial & CHIIEVE Achiievers Insurance Gold Infrastructure A Ornaments Pvt Ltd • Mutual • Online Tour Fund

E Financial & & Travel Insurance Services R N Advisory Services Construction TH Pvt Ltd of buildings Strictly Privileged, Private and Confidential- For Private Circulation only “Facts don’t lie, you can trust the reasons why our clients stay with us.”

Cities, towns, and Turnover/day in retail Trading centers villages, pan India & Branch’s

Business partners years of collective Client base across the & Agent’s experience country throughout India

Asset under Management Strictly Privileged, Private and Confidential- For Private Circulation only Achiievers Finance India (P) Ltd A Lending Arm of Achiievers Group • NBFC based out of the state West Bengal, Kolkata. Built on the solid foundations of complete transparency, safety & honesty in all it’s business dealings. The Company promotes financial inclusion by facilitating lending to the poorest poor in India’s Eastern heartland

• The business operates out of 7 standalone branches in and Empowering Rural India Values in Lakhs around Kolkata. 2016-17 2017-18 2018-19 CAGR* (%) • The Business offers a massive EBITDA margin of approx. 52% with Revenue 152 232 273 47 a huge margin of safety to protect against any business risk. EBITDA 67 121 148 62 Operating Profit • Business is professionally managed with an impeccable team. (EBIT) 63 115 142 66 All regulatory rules & norms set out by the RBI are followed Profit After Tax thoroughly. (PAT) 22 26 34 130

Capital Adequacy • The Company at individual level have surpassed INR 1000 Ratio (%) 69 47 48 - Lakhs AUM in a short span of time. Asset Under Management • The Company is in Profitability since Inception with almost zero (AUM) 674 1,007 1,101 55 NPA. Key Financial Terms & Ratios are very much appreciable in the industry Collateral Value of Gold 1,201 1,709 1,840 82 Strictly Privileged, Private and Confidential- For Private Circulation only Achiievers Equities Ltd India's Innovative Discount Broker Achiievers Equities Ltd (AEL) revolutionized the broking industry with our principles of transparency, honesty, and integrity. We are customer centric, innovative, unique and responds to the changing needs of our clients. With an objective of being a full-service brokerage house and to provide comprehensive advisory services to its clients, which enables managing complete financial planning needs.

We have expertise in Mutual Fund, Bonds, IPO, Corporate Fixed deposit, Insurance. The organization is registered with almost all the prominent Exchanges in India like NSE, BSE, MCX, ACE, USD.

The company introduced innovative Zero Brokerage Plan to say goodbye to traditional brokerage plans and change the rules of the game in the market and since then has shaken up traditional brokerage market. Key Financials

 Revenue for the year March, 2017, 2018 and 2019 stands at Rs.244.50* Lakhs , Rs.245.04* Lakhs and Rs.277.15 Lakhs respectively.  During the FY 2017-18, EBITD has increased by 120% from Rs.19.49* Lakhs (March 2017) to 35.75* Lakhs (March 2018)

AEL at individual level serves over 20,000 & more clients, including corporate and institutions, high net worth families and individuals, and retail investors.

It operates with the network of 300+ trading centers through out India and all these activities are coordinated from corporate office located at Kolkata, West Bengal. Strictly Privileged, Private and Confidential- For Private Circulation only *Audited figures of financial services group are considered Social Impact

“We look to deliver profit with positive social impact which is embedded in each of our ventures or partnered with”

I. Reduce poverty and vulnerability among the poor II. Extend appropriate financial services to underserved areas or to persons previously excluded from the banking sector III. Support micro and small enterprises IV. Contribute to gender equity V. Help bring marginal groups into mainstream society VI. This business fulfills the financial inclusion, priority of the business and helps convert a non-productive asset into an economy driver.

Strictly Privileged, Private and Confidential- For Private Circulation only Membership & Registration

Member/ Registration Limited. National Stock Exchange of India Limited. 0Member/ Registration Metropolitan Cash REG.NO.-INB011395838 Cash REG.NO.-INB231395832 Stock Exchange of India Currency REG.NO.-INE011395838 Currency REG.NO.-INE231395832 LimitedREG.NO.-INE261395839 F&O REG.NO.-INF231395832 F&O REG.NO.-INF011395838

Member/ Registration Ltd. RBI registered Non-Banking Financial Company Member/ Registration of Association of mutual FMC NO.-MCX/TM/CORP/1610 Registered no. :B-05.04264 fund in India ARN holder No.: 40616 ARN holder No. : 93373

Member/ Registration of Central Depository Register/ Registration of Corporate Agents Member/ Registration Stock Exchange Ltd. Service(India) Limited Registration No: CA0596 Exchange REG.NO.-INB051395839 DPID: 73100

Achiievers Finance India (P) Ltd Listed in Bombay Stock Exchange (BSE) in Debt segment Strictly Privileged, Private and Confidential- For Private Circulation only We are in 850+ Cities, Towns and Villages in India

Our International Presence

in Singapore FOOTPRINTS

OUR Registered Office Address 111 North Bridge Road #16-04, Peninsula Plaza, Singapore 179098

Strictly Privileged, Private and Confidential- For Private Circulation only Awards & Accolades

Best Financial Service Provider, The Bengal Entrepreneurship Award, Most Admired Brand for Financial 2015 2015 Advisory in West Bengal, 2016

The Bengal Entrepreneurship Award, Best SME of the Year, 2015 Most Admired Brand for Financial 2016 (Achiievers Equities Ltd) Solutions in West Bengal, 2015 Strictly Privileged, Private and Confidential- For Private Circulation only Awards & Accolades

Most Admired Brand for Gold Loan The Bengal Entrepreneurship Order of Merit Year 2017 in West Bengal, 2016 Award, 2016 (Achiievers Quick 05 Gold Loan) 08

Doctor Of Philosophy In The 10 Most Admired Financial Awarded as the CEO of The Month Management (HONORIS CAUSA) Leaders to Watch in 2017 ‘The CEO Magazine’ 2016 2017 Strictly Privileged, Private and Confidential- For Private Circulation only Awards & Accolades

Univer0si5ty of Engineering & Awarded by Multi Commodity Achiievers Finance India (P) Ltd has been Management Exchange in 2018 awarded for "Responsible Entrepreneurship in Award of Excellence 2017 Finance Sector" by Asian-African Chamber Of Commerce & Industry.

Achiievers, ADP Premier of Bajaj Allianz 25 Most Trusted Stock Broking Companies Achiievers Ranked No. 1 in Kolkata Achiievers Ranked No. 1 in Eastern Region to watch in 2019 by renowned “The CEO Achiievers Ranked within top 5 across Pan India Magazine”. Strictly Privileged, Private and Confidential- For Private Circulation only Our Strength is Our Team

Strictly Privileged, Private and Confidential- For Private Circulation only Achiievers Group Registered office: 32/A, Diamond Harbour Road, Shakerbazar, Kolkata 700008 *Overseas office: 111 North Bridge Road #16-04, Peninsula Plaza, Singapore 179098

Tel: 033 2445 6442/66063000 | Toll Free No. : 1860 420 3333 | Fax: 033 6606 3041

www.achiieversequitiesltd.in | www.achiieversequitiesltd.com www.achiieversquickgoldloan.com | [email protected] | [email protected]

*ACHIIEVERS PTE LTD (Singapore) Strictly Privileged, Private and Confidential- For Private Circulation only