Kanchan Dwivedi Founder - LoanGini Kanchan Dwivedi, a veteran/ Flt Lt & Stanford Alumna, is the Founder of LoanGinia Lending Fintech that gives small, personal & unsecured loans to salaried millennials in the organised sector in Bangalore. Their vision is Financial Inclusion. LoanGini is a socially responsible Fintech that is committed to donating 5 % of the loan processing fees to Akshay Patra. Kanchan got inspired to provide access to capital to people with low or no credit score when she experienced a tough time in getting a loan, discovered that through Fintech P2P Lending, people can get loans. She was inspired to startup on hearing the Startup India Standup India call made by Prime Minister Shri Narendra Modi, in 2016. She moved from Hong Kong to Bangalore & started LoanGini. LoanGini also conducts Financial Education webinars for company employees in Corporates & Startups in Bangalore. Kanchan is a learner, a believer in making a positive impact & giving back to her community. She was awarded the Women Super Achievers Award by the World HRD Congress in Feb 2019. She volunteered full-time in India’s fight against Corona in Mar-June 2020 & led communications for StartupsVsCOVID19 & then as Team EkDesh, organised ApnaDeshApnaMaskcampaign to impact 100 Mil Indians & encouraged them to wear home-made masks & social distancing. Kanchan is a participant of NASSCOM Tech Women Entrepreneurs, Sponsorship Head & Co-Convenor, Membership, CII Indian Women Network, Karnataka, a ‘Mentor of Change’, NITI Aayog & TIE Bangalore member. Kanchan likes reading books, listening to Devotional, Bollywood & Western music. She keeps fit by going for walks, jogs, treks, doing Yoga, Pranayaam & meditation.

1. Opportunities
& Challenges
in India
Fintech in
2021
Kanchan Dwivedi- Founder LoanGini
Mar 26- 3:10-3:30 pm
NSRCEL STARTUP JAM- FINTECH
N
S
R
C
E
L
S
T
A
R
T
U
P
J
A
M
-
F
I
N
T
E
C
H

2. Things
to discuss
NSRCEL STARTUP - JAM
Key takeaways:
Year that was - 2020
Opportunities & Trends in
Fintech in 2021
Challenges
My Background; LoanGini

3. Year that was-
2020
India Favourite Investment
Destination- 11.5 Bil $
Fintech share- 2.1 Bil $; 18.2%
Accelerated digitisation
Fintech Boost
Contactless payments- UPI
2 Bil Transactions; WhatsApp
Pay
NSRCEL STARTUP JAM- FINTECH

4. 87%
Fintech Adoption Rate in India
Compared to 64 % of Global
Average
NSRCEL STARTUP JAM- FINTECH
Highest Fintech Adoption Rate

5. 103%
UPI Payments growth in Nov 20
2 Bil Transactions in Nov 20
NSRCEL STARTUP JAM- FINTECH

6. 38%
Lending Industry Growth
Consumer & Personal Loans
NSRCEL STARTUP JAM- FINTECH

7. 3.7%
Indian Online investing
China- 12.7 % ; US- 55 %
NSRCEL STARTUP JAM- FINTECH

8. 3.76%
India Insurance penetration
China- 4.30 %
NSRCEL STARTUP JAM- FINTECH

9. Opportunities
& Trends in
Fintech in
2021
Year of Learning- 2020
Year of Implementation- 2021
Payments
Lending
Embedded Finance
Consolidation
NSRCEL STARTUP JAM- FINTECH
Investment- Online
Investing

10. Opportunities
& Trends in
Fintech in
2021
Year of Learning- 2020
Year of Implementation-
2021
NeoBanks
Open Banking
Aggregator platforms
Super Apps
Banking -As-A-Service
NSRCEL STARTUP JAM- FINTECH

11. Challenges
in Fintech in
2021
Year of Learning- 2020
Year of Implementation-
2021
Ethical AI
Cyber Security- 6 Trillion $ loss
Sustainable profits
Tough to replicate
human connection
Headwinds- Resetting
Operating Models
NSRCEL STARTUP JAM- FINTECH

12. Confidential & Proprietary
WE ARE LOANGINI
A DPIIT
approved
early stage
peer-to-peer
lending
marketplace
https://www.loangini.com
i
kanchandwivedi@loangini.com
+91 9108615666
@loangini

13. Confidential & Proprietary
Est. 40 % Indian
population has Low
or No credit score/
poor credit
history resulting in
high interest rates
for loans.
THE PROBLEM
Extensive
documentation
because of no
credit history
( Inconvenient).
Time
consuming loan
processing
leading to
frustration

14. Confidential & Proprietary
TOTAL ADDRESSABLE MARKET -SMALL ($124/Rs. 10,000)
LOANS - 28.9 Bil (2023) : P2P Share- 10 Bil
Source:: Secondary Research, PWC Advisory
2021 2023 2025
40 Bil
30 Bil
20 Bil
10 Bil
0 Bil

15. LOANGINI VALUE PROPOSITION
CONVENIENCE
SACHET LOANS TO
COMPANY/STARTUP EMPLOYEES
CUSTOMER
SUCCESS
SOCIALLY
RESPONSIBLE
CUSTOMISED/PERSONALISED

16. SOCIO-ECONOMIC IMPACT
1.Atmanirbhar Bharat
2. Borrowers Lenders
- Financial Inclusion - Alternative Source of
- Reasonable Interest Rates investment
- Return on investments

17. FOUNDER
Kanchan Dwivedi
Stanford Alumna. Flt Lt ( Indian Air Force) with Corporate ( Tech Mahindra, Infosys) &
International work experience ( HK & India)
Driven to make a positive impact & Give Back to Community, Adaptive, Learner, Resilient.
Mentor of Change, AIM, Oxford Senior Secondary School, Jayanagar, Bangalore
Volunteered full-time to fight Covid19 & launched ApnaDeshApnaMask
Member - NASSCOM Tech Women Entreprenuers; TIE Bangalore, Sponsorship Head Co-
Convenor Membership, CII IWN, CWE.

18. Confidential & Proprietary

19. Confidential & Proprietary
Team LoanGini
Mentoring IIT Bombay PhD
Students
Giving guidance to IIM Lucknow
students

20. THANK YOU!
Connect with me for loans to employees in Bangalore,
Fintech, AI, ML, credit risk analysis, entrepreneurship
related matters on
FB & IG- @kanchandwivedi19; Twitter-
@kanchandwivedi @loangini
Cell- +91 9108615666
E-mail- kanchandwivedi@loangini.com