,

NEW PANVEL

BUSINESS PLAN
OF
FINANCIAL ADVISORY SERVICES
SUBJECT: ENTREPRENUERSHIP
MANAGEMENT

Vision
To make footprint International Financial Market by leveraging our
capabilities and workforce strength.

Mission
To provide our clients with Secure, Customised & Comprehensive
financial solutions to achieve sustained growth.

Our Values
To be fair, empathetic and responsive in serving our clients.
To respect and reinforce our fellow employees and the power of
teamwork.
To strive relentlessly to improve what we do and how we do it.
To always earn and be worthy of our customers' trust.

INDIAN FINANCIAL INDUSTRY OUTLOOK

The financial services sector contributed 15 per cent to India's GDP in FY09, and is
the second-largest component after trade, hotels, transport and communication all
combined together, as per the Banking & Finance Journal, released by an industry
body in August 2010.
Share of Financial services, banking, insurance and real estate sectors is expected to
enhance by 9.7 per cent for the year 2009-10 to 17.2 per cent of GDP (at factor cost).
Data sourced from SEBI shows that the number of registered FIIs stood at 1,738 and
number of registered sub-accounts rose to 5,592 as of November 10, 2010.
Overseas funds infused into Indian capital market in 2010 stood at US$ 39 billion.
According to data released by Securities and Exchange Board of India (SEBI), stocks
and debt securities over worth US$ 17.28 billion were purchased by the foreign
institutional investors (FIIs) from the Indian capital market in January 2011.
According to data available with SEBI, FIIs have made investments worth US$ 4.11
billion in equities and invested US$ 667.71 million into the debt market.
The average assets under management of the mutual fund industry stood at US$
147.99 billion for the quarter ended December 2010, according to the data released by
Association of Mutual Funds in India (AMFI).
As on January 21, 2011, India's foreign exchange reserves totaled US$ 299.39 billion,
according to the Reserve Bank of India's (RBI) Weekly Statistical Supplement.
According to Venture Intelligence, a research firm, private equity firms invested US$
7,974 million over 325 deals in India during 2010, as against US$ 4,068 million (over
290 deals) in 2009. The largest investment reported during the year was the US$ 425
million raised by power generation firm Asian Genco from investors including
General Atlantic, Goldman Sachs, Morgan Stanley, Everstone and Norwest.
According to a global consultancy firm Ernst & Young (E&Y), sectors such as power
and transportation, consumer and branded products, infrastructure ancillaries,
education and financial services, and healthcare are likely to witness increased PE
activity in 2011.

Financial Deals:
India Inc announced merger and acquisition (M&A) deals worth a record US$ 55
billion in 2010, including a record number of billion-dollar transactions.
The number of mergers and acquisitions (M&A), private equity (PE) transactions
and Qualified Institutional Placements (QIP) increased close to 40 per cent to US$
3.23 billion in November 2010. Besides, there have been US$ 9 billion plus deals in
2010, the highest seen in any year.
Fund-raising activity gained pace by almost 65 per cent in 2010 as compared to 2009.
In real terms, 27 funds were able to raise US$ 13 billion as PE as against US$ 8 billion
by 22 funds in 2009. There has also been a more than 80 per cent growth in PE and
VC investments in India: 2010 witnessed 348 deals worth $8 billion, against 317 deals
worth $4.4 billion in 2009, according to VCCedge data.

Stock markets
Market capitalisation of India as a proportion of world market cap has risen to a
record high. According to data sourced from Bloomberg, the country's market
capitalisation as a proportion of the world market cap is currently 3.34 per cent.
India's current market-cap is US$ 1.55 trillion as compared with world market-cap of
US$ 46.5 trillion. This is higher than 3.12 per cent share India enjoyed at the market
peak of January 2008.
As analyzed by Venture Intelligence, private equity firms obtained exit routes for
their investments in a record 121 companies during 2010, including 24 via IPOs.
(2009 had witnessed 66 liquidity events including 7 via IPOs). PE-backed companies
raised about US$ 2.20 billion via IPOs during 2010.

Insurance
The Indian Life Insurance industry is one on the strongest growing sectors in the
country. Currently a US$ 41-billion industry, India is the fifth largest life insurance
market and growing at a rapid pace of 32-34 per cent annually. Currently, there are
22 life insurance companies operating in India, according to the Life Insurance
Council (LIC).

According to data released by the Insurance Regulatory and Development Authority

(IRDA), insurance companies garnered US$ 11.73 billion in new business premium
during April-August 2010, against US$ 6.90 billion in the corresponding period last
year.
Further, according to IRDA, in October 2010, life insurance companies collected first
year premium worth US$ 542.19 million (individual single premium). For the period
up to October 2010, total premium collected by life insurance companies was US$
4.66 billion, as compared to US$ 2.39 billion collected in the same period of 2009
(individual single premium).
The life insurance industry is expected to cross the US$ 66.8 billion total premium
income mark in 2010-11. "This year, we are expecting a growth of 18 per cent in total
premium income. If achieved, it is expected to cross the US$ 64.4 billion mark," said
SB Mathur, Secretary General, Life Insurance Council. Total premium income, at US$
56.04 billion, rose 18 per cent during 2009-10, against US$ 47.6 billion in the previous
year.

Banking services
Significantly, on a year-on-year basis, bank credit grew by 24.4 per cent in 2010 as
against RBIs projections of 20 per cent for the entire fiscal 2010-11.

The growth of financial sector in India was due to the

development in sectors:
Growth of the banking sector in India
The banking system in India is the most extensive. The total asset value of the entire
banking sector in India is nearly US$ 270 billion. The total deposits is nearly US$ 220
billion. Banking sector in India has been transformed completely. Presently the latest
inclusions such as Internet banking and Core banking have made banking operations
more user friendly and easy.

Growth of the Capital Market in India

The ratio of the transaction was increased with the share ratio and deposit
system

The removal of the pliable but ill-used forward trading mechanism

The introduction of infotech systems in the National Stock Exchange (NSE) in

order to cater to the various investors in different locations

Privatization of stock exchanges

Growth in the Insurance sector in India

With the opening of the market, foreign and private Indian players are keen to
convert untapped market potential into opportunities by providing tailormade products:

The insurance market is filled up with new players which has led to the
introduction of several innovative insurance based products, value add-ons,
and services. Many foreign companies have also entered the arena such as
Tokio Marine, Aviva, Allianz, Lombard General, AMP, New York Life,
Standard Life, AIG, and Sun Life

The competition among the companies has led to aggressive marketing, and
distribution techniques

The active part of the Insurance Regulatory and Development Authority

(IRDA) as a regulatory body has provided to the development of the sector

Growth of the Venture Capital market in India

The venture capital sector in India is one of the most active in the financial
sector inspite of the hindrances by the external set up

Presently in India there are around 34 national and 2 international SEBI

registered venture capital funds

PROSPECTS FOR FINANCIAL ADVISORYSERVICES IN

INDIA
Industries form the heart of the Indian economy as majority of the population in
India is dependent on the industries for their livelihood. Industries are the key
source of sustenance supporting the blue and white collar jobs. But needs of
mankind went beyond the break-even level and they started putting on extra effort to
make big in the industry and earn big bucks. The same story goes with the
companies as well where they wanted to make more profit and invest for future. A
need was felt for a third party who could manage the finances of the individual as
well as the firms. Thus the growth of Financial Advisory services in India to look
after the financial particulars of the individual and the companies. The financial
advisors also act as M&A advisory in India and assist the companies on mergers and
acquisitions.
The financial advisory services firms in India are either giant conglomerates or small
scale organizations striving hard to make its presence in the business world - all of
you realize at present that you cannot do without the financial advisors. A number
of M&A advisory agencies have sprouted across the length and breadth of India to
cater to financial planning and investment solutions.
If you are looking forward for the most definitive and customer friendly financial
advisors in India, then I will recommend you to go ahead for Indcap advisors - the
most trusted and user-friendly financial advisory services firm in India. They have
even created a niche for themselves in India as an M&A advisory wherein they

extend advice on divestment and acquisition transactions. They believe that their
M&A advisory in India and financial advisory professionals will help you by
ensuring proper structuring and presentation of the deal through a viable business
model.
The work of the financial advisory services firm in India are innumerable and they
make their clients realize their financial goals and work on it accordingly to ensure
financial independence. The financial advisors incorporate long term financial
planning and investment decisions, NRI investment advisory solutions and financial
consultancy at the corporate level.
Your investments will be safe and secure once you knock the door of these M&A
advisory firm in India. But then the question arises on your mind about the duties
performed by these financial advisory services and financial restructuring consultant
firms in India while they behave as an M&A advisory. Their service is not only
restricted to divestment and acquisitions but identifying avenues for growth and
helping in strategic alliances and joint ventures. The M&A advisors also work
towards raising private equity and venture capital for the clients from appropriate
funding agencies.

Benefits of having a good financial advisor and financial restructuring

consultant:

The financial advisory services and financial restructuring consultant firms in

India help the clients to restructure their capital along with placing the
highest importance on quality, professionalism and integrity.

The M&A advisory team in India also consists of qualified personnel of the
highest calibre who also help the clients as well as the individuals in fostering
entrepreneurship, independent thinking and the willingness to innovate.

The professionals who act as financial advisors have financial, strategic and
managerial experience in a broad range of sectors.

So India is awakening and becoming a developed economy from a developing

economy. If you cannot manage the finances on your own, be ready to get the

assistance from the financial advisory services firm in India to manage your
wealth.

About us:
We would feel fortunate our self on offering innovative financial advisory services
and M&A advisory solutions, Pune, Maharashtra.
Zee Financial consultancy is a financial advisory company will be offering
specialized services in the fields of Private Equity, M&A advisory, Divestitures,
Structured Finance, Special Situations and Strategic Advisory.
We are entrusted to build strong research capabilities and relationships which it will
leverage to close transactions for its clients in stipulated time frames.
We would like to be trusted provider of financial advisory services in India, and looking
for making footprint across national frontiers through leveraging our talents and
capabilities.
We will be maintaining professional relationship with our clients and we are also
entrusted to provide expertise financial solutions with integrity and commitment
that would successfully meet clients expectations.
We want to be a reputed provider of financial advisory services in India will be using
our extensive track record in deal closure to offer solutions which promote long term
interest of our clients.

Our Financial Advisory Services includes:

Arranging M &A
Project finance
Project appraisal
Portfolio management
Investment advisor
Assets and liabilities management
Corporate Restructuring services and their valuation
Equity research
Derivatives trading and structured finance products.
Hedge funds advisory and management
Tax planning(corporate and individual)
Arrangement of VC,PE for new companies/entrepreneur

Target clients and intermediaries:

Underwr
iters
Brokers, registr-ars,and other
syndicate members

Other members concerned

with business

Government agenciesSEBI, NSDL, CSDL

TARGET CLIENTS AND

INTERMEDIARIES

Individu
als

Banks and Financial

Institutions
Corpora
tions

Our primary focus is on Individual clients and small corporate

business firms who need financial services.
We will be hiring services from above category of syndicate members
for accomplishing financial activities of our clients.
We would also require depository services and other legislative
sevices from Government agencies like NSDL, CSDL and SEBI etc.
We will be interacting with banks and financial institutions for
arranging short term/medium term loan for our clients.

Active players in the market:

Anand Rathi,
Kotak securities
SBI capital
Religare
Reliance money
Ernest and Young
ICICI direct and ICICI securities
Credit Suisse
HSBC
Emkay global financial services
Desai associates etc.
Other National Banks
KPOs-Syntel, WNS, Eclerks, Accenture

BUSINESS PLAN
Location: Pune, Maharashtra

Market coverage and Phases of Business cycles

P u n e , L a te r E x te n d e d

to

M u m b a i S u b u rb s ( 0 -5 y e a r s )

W h o le o f M a h a ra s h tra ( 5 -6 y e a r s )

B ra n c h e s in

G o in g

M a jo r C itie s o f In d ia ( 6 -8 y e a r s )

In te r n a tio n a l--A s ia n

C o u n tr ie s , U S , L o n d o n , S in g a p o r e e t c .( 8 y e a r s a n d

o n )

Phase I: start up with financial advisory services to Individuals and

SME.
Phase II: Bag license from RBI for dealing with other Non-Banking
financial services.

HR Policy:

Recruiting experienced employees having good track records

Experience: 2-5 years
Graduates and Management trainees
Age: 23 and above
Internship candidates who are applied for CA, ICWA and MBA.

Hiring fee based services from professional experts like CA, CS, ICWA and
other syndicate members (like brokers, registrars, underwriters etc.)

Marketing strategy:
The financial advisory services is purely based on building customers trust and
loyalty, so that we expect existing clients would bring business to me by adding more
customers of his/her reference.
Media:

Internet blogs and website advertisement

Daily News paper (like Economics Times, Midday, Financial Express, Mint)
Arranging workshops for attracting small investors
Corporate presentations for bagging big financial related assignment

Strategy:

Create website and avail chat services to registered clients

Provide optimistic services to clients
Continuous investment related guidance
Complementary advising services like tax planning for individuals etc.
Arranging low cost funds to small businesses
Undertaking Financial planning of client's family
Facilitate alternative decision plans to clients

Finance:
Initial Expenditure
Particulars
Office building (800 Sq. Ft.)
Computers and Equipment
Licensing fee

Amounts (in Rs.)

4000000
300000
80000

20000
40000
250000
30000
20000
4740000

Insurance
R&D
Software Installation
legal Exp.
Brochures
Total

Funds contribution
Particulars

Amount

Owners Contribution

1000000

Borrowings

4000000

Total capital required

5000000

Sources of Finance

Credit Co-operatives; 16%

Bank; 24%

Anay(Me); 20%

Relatives; 20%

Angel Investors; 20%

Sales Projection and Profitability

Particulars

Q1

Q2

Q3

Q4

Year 2

Year 3

Year 4

Year 5

Sales

450000

495000

569250

620928

2600000

2990000

3438500

3954275

Less: Variable

81000

89100

102465

111767

468000

538200

618930

711770

369000

405900

466785

509161

2132000

2451800

2819570

3242506

300000

300000

300000

300000

1200000

1200000

1200000

1200000

EBIT

69000

105900

166785

209161

932000

1251800

1619570

2042506

Less: Interest

150000

150000

150000

150000

600000

600000

600000

600000

EBT

-81000

-44100

16785

59161

332000

651800

1019570

1442506

Less: Tax

5035

17748

99600

195540

305871

432752

NPAT

-81000

-44100

11750

59161

232400

456260

713699

1009754

Exp.

Contribution
Less: Fixed
cost

Notes:

Our Sales are estimated to ease at Rs. 450000 in the 1st quarter
We are expecting sales to grow at 10% quarterly.
Variable cost will include transaction cost, professional fees etc.
Fixed cost will cover salaries to employees; write off expenses (intangible

assets), depreciation of fixed assets and other miscellaneous expenses.

We will be paying interest @12-16% towards different class of creditors.

Depreciation provided and write off expenses:

Particulars of Assets Created
Office infrastructure
Computer and other electronic equipments
Licensing
Softwares

Depreciation/ Amortisation
12%
20%
12%
25%