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eSthenos Technologies Pvt. Ltd.

 About eSthenos
eSthenos is an efficient & customer centric fin-tech platform dedicated to Financial Institutions.
eSthenos offers ‘designed by users’ CRM, Loan Origination System, Lead management System,
Underwriting platform, Business Intelligence & Analytics tool which are highly scalable & customisable
by design and enables Users to achieve high productivity in terms of business numbers and thus
reduces cost of acquisition by a substantial margin.
Few endorsements
Locations

Partners
1,000+
9
Cross sale
products

30+
sourcing (in INR Cr.)
Monthly business
Users

5,500+ 600+
The Platform Product
Easy UI & UX, Multi-lingual
support, real-time notification
.

for User’s and Supervisors, Zero .

system level TAT, Real-Time

Management Dashboards

Performance
Increased Productivity &
Reduced TAT drives
incremental business, Real-
Time Data aids Management
.

Survey Guarant
or
.

Decision, Positive impact on

P&L. with Increased Income
and Cost Reduction
Member Tele Platform
onboard
ing
verificati
on Highly Scalable and Flexible LOS, CRM, Partners/User
Underwriting, Monitoring & Analytical High user acceptance due to
platform which can handle ~5,000 hits designed for User’s by User’s
/second & millions of applications. .

model. Complete field process

Loan Integrated with 3rd party Service covered on handheld to remove
E-KYC originati
on
Platforms [Credit bureaus, Aadhaar, paper & expedite the
KYC, CBS, Credit Assessment tools onboarding process.
etc.]

Credit Repaym Cloud/ Data

Bureau ent
~24X7 Bank grade Highly
Hybrid encryption
uptime security scalable
installation on the go
Field
LUC
Training

Note: ~24X7 uptime is for cloud installation

Product Lines & Future Roadmap
gravity’ is LOS, CRM & Underwriting platform for group & individual loans
where all field level activities happens over Android based app & office
related activities over web based platform

FoS’ is LOS & CRM platform for SME/MSME, Housing & LAP where all
stake holders [customer, organization, legal, valuar etc.] can access the
platform to originate a quality & speedy loan.

Analytics platform Banyan offers

honor’ is a collection management platform which offer various source of
collection on a single platform with maker checker facility at branch level 'Banyan’ is a Business Intelligence &
Analytics platform to help
Organizations in efficiently managing
right turn’ is LOS & CRM platform for Vehicle finance loans, where 2 levels and analyzing its critical business
of rule engine based Underwriting enables User’s to offer a loan under few information to offer teller-made
hours product & services to end customer

LEADR is our Lead generation & management, where users can manage the
life cycle of Leads from multiple Sales Channels, which is funneled into a
single platform

Note: All the products & platform is conceived, designed, developed & owned by
eSthenos Technologies Pvt. Ltd.
 Impact-Case Study-Client
Metrics Before After
Application sourced per
40 106
Salesman

o AUM~INR 2,200 Cr.

NBFC-MFI
TAT per application 12 Days 5 Days
o Among top in the country
o Operation in 10 States
Disbursement per month
o 3,500 users INR 60 Cr INR 110 Cr
(on Same Infrastructure)
o Complete automation Including
bank partnership Time taken to know do-
3 Days Real-time
ability
INR 536 cr AUM
Dec-15 Management
Not available Real-time
information/visibility
~INR 969 AUM
Mar-17
Field force per location 6 5

+50% +50% 100% Positive Positive

• Productivity • TAT • Automation • Cost • Topline

~INR 2,150 cr AUM increase Decrease reduction Increase
Mar-18
Critical features
o Online & Offline Support
o Integrated Credit Bureau [Equifax-Highmark-CIBIL]
o Integrated eKYC [OTP-Finger print-Iris]
o Multi Language Support
o Cross verification-Neighbors checks
o Branded Disbursement Kit
o Cashflow Analysis, Balance Sheet, Deviation Metrix
o Auto Geo Location Tagging at various critical point
o Algorithm based Automated Underwriting
o Lead management, Meeting Scheduling
o Multiple hierarchy support
o Audit trail
o Single view dashboard for all the partners
o SMS/Push Notification
o Auto Populate Previous Customer
o Customer Notification of loan status
o Second cycle loan support & alarm
o Cross sale support
o LMS/CBS integration, 3rd party services integration
o Multi level credit underwriting
o Realtime dashboards
o Automated Reports
o Disbursement though API banking

Social & environmental impact…every month

Helping more than Reducing waiting time Saving around 6L Bringing more Saving 100s of trees
4,500 active users to do for more than 3,00,000 A4 size paper than INR 350 cr. to have a green & clean
business with ease customers to the needy environment for all
Team
Aniket is having 11+ years of experience across various
industries, financial services, technology and supply chain.
Before Esthenos, he was leading Product & Operations teams
for True North’s (erstwhile India Value Fund) portfolio
companies in the Microfinance & Financial Services Space. He
is an alumnus of IRMA
Vijay has 9+ years of experience in the banking & financial
services space. Before Esthenos, he was part of the Treasury &
Financial Planning team for True North’s (erstwhile India Value
Fund) portfolio companies in the Microfinance & Financial
Services Space. He has done his Masters in Management from
Welingkar Institute, Mumbai & has cleared all levels of CFA, US

Dinu is having 11+ years of experience in running and

Siddharth is having 10+ years experience in the field of
delivering large IT projects. In his last assignment, he was
Capital markets and Investment Advisory & a serial
working with Thoughtworks, as part of its Banking Digital
entrepreneur. A CHARTERED WEALTH MANAGER®
Transformation team. He is an alumnus of KJ Somaiya,
(CWM®) and alumnus of Welingkar institute ,Mumbai
Mumbai

Team eSthenos
✓ Team comprises of Alumnus of IIT/NIT
✓ Having past experience with Indian Unicorn Start-ups
✓ Extensive experience in Big-data, Banking & Microfinance, Cloud Computing &
Large scale Infrastructure implementation & Management
eSthenos Technologies Pvt. Ltd.,
2151, 2nd Floor, HAL 2nd Stage,
17th Main, Opp. Indiranagar BESCOM,
Bengaluru [India] 560 008
www.esthenos.com
enquiry@esthenos.com