IGT Financial Services Pitch Deck: 19-Slide Breakdown

See all 19 slides of the IGT Financial Services pitch deck, with a slide-by-slide teardown of what the deck does well and where it falls short.

IGT Financial Services (P) Limited’s 2016 information memorandum targets the significant credit gap in rural India. The company proposes a multi-service ecosystem under one roof, including microfinance, micro-insurance, and non-financial assistance like healthcare and education support. The deck emphasizes a technology-driven 'Business Process' that utilizes mobile applications for household verification and biometric devices for repayment collection. Financially, the company projects a path from a $0.45 million loss in Year 1 to a $7.45 million profit by Year 5, aiming for an IPO by Year 10.…

Key takeaways

IGT Financial Services: A 2016 Rural Microfinance Roadmap

IGT Financial Services (P) Limited presented this Information Memorandum in 2016, originating from Kolkata. The deck is a structured look at the Indian microfinance landscape, specifically targeting the rural segment which, at the time, housed 68% of the population. The presentation moves from broad market dynamics to specific operational processes and financial projections.

Slide 1: Title and Positioning

The cover slide introduces IGT Financial Services (P) Limited with the tagline "Impact | Growth | Transformation." It identifies the document as an "Information Memorandum" dated 2016 in Kolkata. The visual elements—apples on a scale and sketches of ideas—suggest a focus on balance, growth, and structured planning.

Slide 2: Market and Business Opportunity

This slide establishes the macro-economic thesis. It notes that the gross loan portfolio in the MFI sector grew by 84% in the previous year. Key data points include:

India has 250 million households, but MFIs have only reached 32.5 million (Slide 2). · Regional growth was highest in the south (35%) and lowest in the east (15%). · The portfolio mix is dominated by Trading & Manufacturing (64%) and Agriculture (31%). · Market size is projected to reach $33.60 billion by 2018-19 if the sector grows at 60%.

The core takeaway is that penetration is still lower than 40%, leaving an "enormous opportunity" in rural India.

Slide 3: Business Proposition

IGT proposes a "unique eco-system" for rural services. The model is built on three pillars:

Micro Finance: Setting up an NBFC-MFI for micro-loans and acting as a banking correspondent for deposits. · Micro Insurance: Partnering with insurance companies for life and general insurance products. · Other Services: Using the distribution network for education, healthcare, and income-generating activities.

The slide explicitly states that "non-financial assistance will be the segregator," implying that credit alone is not their only value proposition.

Slide 4: Business Process

This slide provides a step-by-step operational flow for loan disbursement and collection. The process is visualized as an upward staircase:

Customer Registration: Details captured via mobile app and initial credit score generated. · Household Verification: Physical visits by a separate person to check income patterns and KYC. · Group Training: A 2-day mandatory session for building financial awareness. · Loan Sanction & Disbursement: Final verification of Credit Bureau reports and disbursement through bank accounts. · Repayment Collection: Fortnightly collections at a center, authenticated via biometric devices.

Slide 5: Technology Backbone

IGT emphasizes a modern tech stack to manage risk and operations. The diagram shows a flow from field devices (mobile phones for SMS/verification and biometric scanners) through a "Middleware" layer into a "Core Banking Solution." The system manages several data silos: Reports, Biometric data, Micro Loans, Savings, Term Deposits, and Other Transactions. The slide claims this "cutting edge technology" makes the organization stand out from its peers.

Slide 6: Key Differentiators

The company addresses competition by stating that the market potential is large enough that competition is not a major issue. However, they list three specific strategic choices:

Inorganic Growth: Partnering with smaller MFIs to use their networks for faster growth and risk diversification. · Credit Appraisal: On-spot appraisal using credit score cards and a 5-level check before disbursement. · Simple Product: 2-year loans with fortnightly collections to reduce installment amounts.

Slide 7: Angel Investor/Advisor

This slide features five individuals: Mr. Prabuddha Chaudhuri, Mr. Somak Ghosh, Mr. Rabin Das, Mr. Kanchan Dutta, and Mr. Dharmesh Tarvecha. Each photo is accompanied by a LinkedIn icon. The text states the team is "proud to be backed by experienced professionals," though it does not detail their professional backgrounds or specific contributions to the company.

Slide 8: Return on Investment

This is a strategic roadmap for investors. It charts growth against time, identifying financing stages from Seed to IPO. Key projections include:

Year 1: $2.3 Mn Book Value (BV) with a -21.6% ROE. · Year 3: $5.4 Mn BV with a 12.9% ROE. · Year 5: $9.2 Mn BV with a 27.8% ROE. · Years 6-8: Projected BV multiple of 5x. · Year 10: IPO.

The slide highlights that the "Return would be maximum for early stage investor."

Slide 9: Financial Projection – Profit & Loss Account

The P&L provides a 5-year forecast in USD millions (using a 65 INR conversion rate). Total income is projected to grow from $0.57M in Year 1 to $48.11M in Year 5. The company expects to reach profitability in Year 2 ($0.03M Profit After Tax) and scale to $7.45M by Year 5. Key ratios like Net Margin are expected to improve from -10.1% to 6.6% over the period.

Slide 10: Contact Information

The final slide provides a Gmail address and a phone number for Amit Dutta. It uses standard "Thank You" imagery (coffee, mail, and paper).

What Works in This Deck

Operational Clarity: Slide 4 (Business Process) is exceptionally clear. It breaks down the lending lifecycle into logical steps, showing a commitment to rigorous verification and customer education. This is critical for an MFI where risk management is the primary driver of success.

Technology Integration: By explicitly showing the "Technology Backbone" on Slide 5, the founders demonstrate that they aren't just a traditional money-lending shop. The use of biometrics for repayment collection addresses a major pain point in rural lending: identity fraud and collection tracking.

Realistic Financial Ratios: The P&L on Slide 9 includes sophisticated metrics like "Operating Self Sufficiency" and "Operating Exp/Total Asset." These are the specific numbers MFI investors look for, and showing the progression of these ratios over five years demonstrates financial literacy.

What Is Missing

The Management Team: While Slide 7 lists advisors, there is no slide for the executive team. Investors fund founders first, especially in early-stage ventures. The lack of bios for the CEO, COO, or Head of Risk is a significant omission.

The Ask: The deck describes the "Return on Investment" and "Financing Stages," but it never explicitly states how much money the company is seeking to raise in the current round or how those funds will be allocated (e.g., loan book capital vs. operational expenses).

Competitive Landscape: Slide 6 dismisses competition by citing market size. However, the Indian MFI space in 2016 was highly competitive with established players like Bandhan and SKS. A slide comparing IGT's interest rates or geographical focus against specific competitors would have strengthened the case.

What a Founder Should Copy

The ROI Roadmap: Slide 8 is a great way to visualize the long-term journey for an investor. It sets expectations for multiple funding rounds and clearly defines what the "exit" looks like (IPO vs. Strategic Investors). It helps an investor see where they fit into the cap table over time.

p> Regional Market Breakdown: The use of regional growth percentages (Slide 2) shows that the founders have analyzed the specific geography of India rather than just treating it as one monolithic market. This level of granularity is essential for any business with a physical distribution component.

Process-Driven Visuals: The use of the staircase metaphor for the business process and the flow-chart for the technology backbone makes complex operations easy to digest during a quick pitch. Founders should always aim to visualize their "how it works" section rather than using bullet points.

Frequently asked questions

What is the primary business model of IGT Financial Services?
IGT operates as a Non-Banking Financial Company-Micro Finance Institution (NBFC-MFI). Its core model involves providing micro-loans to rural Indian households. Additionally, it acts as a distribution channel for micro-insurance (life and general) and facilitates non-financial services like education and healthcare support through its network. It also collects term deposits and savings on behalf of partner banks.
How does IGT plan to differentiate itself from other MFIs?
According to Slide 6, IGT focuses on three differentiators: Inorganic Growth (partnering with smaller MFIs), Credit Appraisal (using a 5-level check and audio-visual communication), and Simple Product design (2-year loans with fortnightly collections). They also emphasize a 'Technology Backbone' (Slide 5) that uses biometrics and mobile apps for field verification, which they claim makes them stand out from peers.
What are the projected financials for the first five years?
Slide 9 projects a steep growth curve. Year 1 shows a net loss of $0.45 million on $0.57 million total income. By Year 3, they project turning a profit of $1.11 million. By Year 5, total income is expected to reach $48.11 million with a Profit After Tax of $7.45 million. Operating Self Sufficiency is expected to improve from 56% in Year 1 to 131% in Year 5.
What is the proposed exit strategy for investors?
The 'Return on Investment' chart on Slide 8 outlines a 10-year path. It suggests exit options starting at the 'Early' stage (1st Round) and continuing through 'Expansion' and 'Growth' stages. The ultimate goal is a Capital Market exit (IPO) in Year 10. The deck notes that returns would be maximum for early-stage investors, citing a potential 5x Book Value multiple by years 6-8.
Who is leading the company according to the deck?
The deck does not include a traditional 'Management Team' slide with titles and resumes. Instead, Slide 7 lists five 'Angel Investor/Advisor' figures: Mr. Prabuddha Chaudhuri, Mr. Somak Ghosh, Mr. Rabin Das, Mr. Kanchan Dutta, and Mr. Dharmesh Tarvecha. The final contact slide (Slide 10) lists Amit Dutta as the primary contact person, though his specific title is not provided.
Cover slide of the IGT Financial Services pitch deck
IGT Financial Services pitch deck, slide 1

IGT Financial Services pitch deck: the facts

Company
IGT Financial Services
Slides
19

IGT Financial Services pitch deck PDF

The full IGT Financial Services deck is embedded on this page and can be read slide by slide in the browser — no download or account required. Each slide is covered in the breakdown above.

What the IGT Financial Services pitch deck was used for

IGT Financial Services is presented in the Slideshare deck as a proposed rural-focused NBFC-MFI in India that aims to provide microfinance, microinsurance, and related services to underprivileged communities through a technology-enabled, biometric-verified lending platform. The document on Slideshare is structured as an investment memorandum and roadmap dated around 2016, targeting seed-stage equity for a new social-sector financial services organization rather than an already-operating NBFC. It positions IGT as a vehicle to deliver micro-loans, insurance, and educational support at the "bottom of the pyramid" through a rural distribution model backed by a strong technology backbone. The deck is therefore best understood as a seed/early-stage equity fundraising pitch for an impact-focused financial services startup rather than a later-stage growth round.

Round
Seed
Year
2016

Raising: The Slideshare investment memorandum explicitly requests approximately $2.3 million in seed equity funding to launch IGT Financial Services as a rural-focused NBFC-MFI in India.

Use of funds as presented: According to the memorandum snippet, the seed capital is intended to fund the setup and scaling of IGT’s NBFC-MFI operations, development and deployment of its technology backbone and biometric-verified lending systems, and expansion of outreach to underprivileged rural customers in India.

What the IGT Financial Services deck got right

What could have been stronger

How an investor would read this deck

What draws attention

Risks that stand out

Questions this deck invites

What founders can take from the IGT Financial Services deck

IGT Financial Services pitch deck: common questions

What is IGT Financial Services according to the pitch deck?

Based on the Slideshare investment memorandum, IGT Financial Services is a proposed social-sector financial services organization focused on underprivileged and rural communities in India, using an NBFC-MFI model to deliver microcredit, microinsurance, and related services. It emphasizes impact, growth, and transformation for low-income customers through a technology-enabled and biometric-verified lending platform.

How much funding was IGT Financial Services seeking in this deck?

The Slideshare memorandum describes a 2016 roadmap and explicitly requests approximately $2.3 million in seed equity funding to launch and scale the NBFC-MFI platform. It also outlines expectations for follow-on rounds and eventual exit opportunities, but only the initial seed amount is specified in the deck text snippet.

What business model and growth plans does the IGT Financial Services deck describe?

The deck frames the business model around rural-focused microfinance: small collateral-free loans, bundled with microinsurance and education/financial literacy services, delivered via field agents and technology, including biometric verification and a central technology backbone. Revenue projections in the memorandum indicate a plan to reach more than 5 million customers within five years and over $90 million in annual revenue.

Is IGT Financial Services an RBI-registered NBFC-MFI today?

The Slideshare document refers to IGT Financial Services as a "proposed" social sector organization and presents its NBFC-MFI structure and roadmap, but there is no external evidence in the retrieved sources confirming RBI registration or listing in official NBFC-MFI directories as of later years. As a result, whether the entity completed registration and operated as a licensed NBFC-MFI cannot be verified from available public data.

Did IGT Financial Services actually close the fundraise described in this deck?

The Slideshare investment memorandum describes an impact-focused seed equity raise and mentions future funding rounds and exits, but the retrieved external sources do not provide any confirmed information on whether the $2.3 million seed round was actually closed, who the investors were, or what valuation was achieved. Without additional filings or press coverage, the outcome of the proposed fundraise cannot be determined from currently available information.

Sources

Funding and outcome facts on this page were researched on 2026-08-22 from the pages below.

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