Entrepreneurship ndi nkhani yatsopano, ndipo oyambitsa akukhala zitsanzo kwa achinyamata. Kutulutsidwa kwaposachedwa kwa Shark Tank ku India kwapangitsa kuti izi zitheke.
Kupatula a shaki, m'modzi mwa amalonda odziwika kwambiri ku India ndi Kunal Shah.
Amadziwika ndi nzeru zake komanso malingaliro ake ndipo amatchedwa woyambitsa bwino wa zoyambira ziwiri za fintech, wachiwiri ndi CRED. Komabe, kodi ena mwa oyambitsa awiriwa adakwanitsa kusonkhanitsa chuma, chinthu chomwe timagwirizana kwambiri ndi bizinesi?
Tiyeni tisankhe nkhani ya FreeCharge ndi CRED kuti tifufuze chowonadi chenicheni kumbuyo kwa Shah.
FreeCharge - Kuchokera Mamiliyoni Mamiliyoni mpaka Mamiliyoni Ochepa
Kunal Shah ndi Sandeep Tandon anayambitsa FreeCharge pamodzi mu 2010. Atalandira ndalama zambewu kuchokera ku Sequoia Capital ndi Tandon Group. Kampaniyo idalandira Rs. 200 miliyoni kuchokera ku Sequoia Capital mu 2011.
Zomwe zidayamba ndi ntchito zolipiriratu zolipiriranso mafoni pambuyo pake zidakulitsidwa mpaka ku DTH, foni yolipiridwa pambuyo pake, khadi ya data, magetsi, mabilu amafuta, kulipira kwapamtunda, ndi zina zambiri.
Kupitilira apo, idapitilira kupereka makuponi ochotsera omwe anali ofanana ndi mtengo wobwereketsa pazakudya zodziwika bwino ndi malo ogulitsira. Kugwirizana ndi mitundu yosiyanasiyana yazakudya kunathandizira kuti ikhale ndi makasitomala amphamvu okwana 1.50 miliyoni, ndikupanga 10,000 tsiku lililonse.
Ndalamazo zidapitilira ndipo ndalama zidayakanso - mtundu wamba wa Kunal Shah umagwira ntchito. Mu 2014, idakhaladi kampani yotsogola pakubweza ndi kulipiritsa zofunikira.
Osunga ndalama ochulukirapo adalumikizana ndipo ndalama zambiri zidakwezedwa. Mu 2015, malonda am'manja adatchuka ndipo zopitilira 80% zamalonda a FreeCharge zidachitika pamafoni.
Kampaniyo idakwezanso $80 miliyoni mu Series-C ndalama zozungulira positi yomwe Snapdeal idapeza FreeCharge pafupifupi. $400-$450 miliyoni yomwe imadziwika kuti ndi imodzi mwazinthu zazikulu kwambiri za Merger and Acquisition mu Indian startup ecosystem.
Komabe, Kunal Shah adapitilizabe kukhala Purezidenti wa kampaniyo. FreeCharge inagwirizananso ndi Axis Bank kuti ikhazikitse dongosolo la Unified Payments Interface (UPI) lololeza kuchita zinthu kubanki pompopompo.
Kampani ya makolo a Snapdeal, Jasper Infotech, idayika $ 60.8 miliyoni ku FreeCharge koma amavutika ndi ndalama. Panalinso kusintha kwa maudindo a utsogoleri. Pamene Snapdeal adapitilizabe kulimbana ndi ndalama, zinali munkhani zogulitsa FreeCharge.
Munali mu 2017 pomwe Axis Bank idapeza FreeCharge kwa $ 60 miliyoni yokha.
Ngakhale kugula kwa Snapdeal kwa FreeCharge kungatchulidwe kuti ndi imodzi mwazinthu zazikulu kwambiri za M&A zoyambira, kugulitsa kwa Snapdeal kwa FreeCharge kunalinso chitsanzo chodziwika bwino cha momwe kuyambitsira kumataya chuma chake choposa 75% -80% mzaka ziwiri zokha.
Ndani ayenera kuimbidwa mlandu?
CRED - Paradaiso wa Shah Kapena Temberero Lina la Chuma?
CRED inali gawo lina lazamalonda kwa Kunal Shah. Ndizosamveka kuti Kunal Shah alinso pamwambo wina wotayika.
Ngakhale kampaniyo ndi yosiyana, njira ikadali yofanana - kukweza ndalama ndi lipoti zatayika.
Ndalama za CRED zidapangitsa kuti ziwonekere. Yakwana nthawi yoti tiyambe kulingalira ngati kuyika zotayika zododometsa mumthunzi wa makulitsidwe ndikupeza makasitomala kuli koyenera.
CRED idakhazikitsidwa mu 2018 ndi Kunal Shah. M'chaka chachiwiri cha ntchito zake, CRED inanena kuti ndalama zogwirira ntchito za Rs. 52 lakhs motsutsana ndi kugwiritsa ntchito ndalama zambiri za Rs. 378.4 miliyoni.
Rs. 17.56 crores yomwe idapeza kudzera mu chiwongola dzanja pamadipoziti inali siliva yokhayo yomwe inali mumitambo yakuda.
Zinakweza Rs. 828 crores mchaka chachuma cha 2020 kutsata zomwe zidawonjezera ndalama zake mosiyanasiyana. Kupitilira apo, idakwanitsa kulowetsa ogwiritsa ntchito makhadi a kirediti 5.90 miliyoni kukhala ndi ziwongola dzanja zabwino.
Koma zoona zake n'zakuti, kampaniyo sinathe kupangira ndalama kwa ogwiritsa ntchito. Kuti muchepetse, CRED idawononga Rs. 726.7 kuti apeze rupi imodzi. Kutsatsa ndi kutsatsa zidakhala malo okwera mtengo kwambiri pakampaniyo, kuphatikiza 47.6% ya ndalama zonse.
Kubwera ku FY 2021-22, ndalama zomwe kampaniyo idawononga zidakwera mpaka Rs. 1702 crores, ndi 60% yolunjika ku malonda ndi kukwezedwa.
M'chaka chandalama chapitacho, idataya ndalama zokwana Rs. 524.3 crores yomwe idakwera mpaka Rs. 1279.9 crores mu FY 2022 ndikutha kukweza ndalama kuchokera ku Rs. 88.6 crores mpaka Rs. 393.6 miliyoni. Kuphatikiza apo, Shah akudzipereka pakukula kwa nsanja.
Malinga ndi zomwe ananena, anthu ambiri akuchita nawo nsanja yake mozama komanso mozama, zomwe zimapangitsa kuti ndalama ziwonjezeke. Komabe, kudzipereka kwake pakukulitsa nsanja kukhoza kubwera pamtengo wa kutayika kwina komanso kukokoloka kwa likulu.
Gawo lachinyengo ndiloti izi zimachitika mwachidziwitso ndipo nthawi zina zimasandulika kukhala loop yosatha. Panthawi ina, oyambitsa akhoza kukakamizidwa kuti agwiritse ntchito kusunga makasitomala komanso kupeza makasitomala atsopano.
Izi zimakhala zovuta makamaka pamene mpikisano ukuwonjezeka. Tikukhulupirira kuti Kunal Shah ali ndi dongosolo lolimba kuti apewe siteji iyi apo ayi, njirayo ikhoza kukhala yofanana ndi FreeCharge.
Kodi Kumanga Kwa Brand Uku Kapena Kuwononga Chuma?
Kugwa kwa FreeCharge kwadzutsa mafunso ozama pakuchita bwino kwa CRED, chifukwa ikugwira ntchito mofananamo. CRED ndi Freecharge, onse ataya mazana mamiliyoni a madola pomwe CRED ikadali panjirayo.
Mamiliyoni ndi mamiliyoni a madola adawonongeka pa CRED kuti apange nsanja yamitundu yambiri yazaka khumi yomwe ilibe chilichonse.
Kupitilira apo, Kunal Shah amadziwikanso kuti ndi wochita bizinesi wankhanza poyambira, atagulitsa m'makampani 224 - popanda chimango.
Malingaliro ake azachuma adawonekeranso pambuyo pa malipoti akuti akuvomera mabizinesi pa WhatsApp, ndipo mwachiwonekere, simufunikanso kukumana naye kapena kukhala ndi sitima yamalonda. Kodi ndi mtundu wanji wabizinesi womwe ukuchitika ndi wofunika kuuganiziranso.
Ukadaulo wabizinesi ndiwongoyambitsa zatsopano komanso kuthetsa vuto linalake. Komabe, pali njira yatsopano yodziwikiratu m'magulu oyambitsa, mwachitsanzo, kupeza ndalama, ndikuwotcha ndalama zambiri zogulira makasitomala zomwe zimapangitsa kuti anene za kutayika kwakukulu. Pamapeto pake, zotayikazi zimaperekedwa kwa omaliza osunga ndalama.
Kunal Shah sanapangepo china chatsopano koma adayika ndalama zambiri m'mapulojekiti "ochepa" monga CRED omwe akanatha kugwiritsidwa ntchito kupanga china chake chatanthauzo. Chinachake chothandiza kwambiri.
Mazana mamiliyoni a madola omwe apita kukathandizira ndalama za CRED zikadagwiritsidwa ntchito ngati pulojekiti yabwino kwambiri yokhala ndi zofunikira kwa makasitomala m'malo mongopereka mphotho ndi mipikisano ina. Palibe amene amadziwa chomwe mankhwalawo ndi. Ndikubetcha ngati nditafunsa aliyense wa oyang'anira malonda ku CRED, amalephera kuyankha kuti "chinthu" chomwe akugwira ntchito ndi chiyani.
Pankhani ya bizinesi kapena bizinesi, phindu ndilofunika. Palibe kampani yomwe ingakhale ndi moyo popanda phindu. Kunal Shah akuwoneka kuti akusowa chinthu chofunikira ichi pakuyamba kwake.
Pamapeto pake, kuwira kwa kuwerengera kwakukulu ndi kutayika kudzaphulika pa m'modzi kapena ochepa omwe amaika ndalama, pamene ena adzasungitsa zopindula zawo ndikutuluka pakhomo lakumbuyo. Pankhani ya FreeCharge, wogulitsa ndalama wopanda mwayi anali Snapdeal.
ngati kampani imapita ku IPO, zotayika izi zimaperekedwa kwa ogulitsa malonda, zomwe zimabweretsa kutaya chikhulupiriro ndi chidaliro cha Investor m'kupita kwanthawi. Mukukumbukira nkhani ya Paytm?
Amalonda monga Kunal Shah ayenera kukumbukira cholinga cha nthawi yaitali. Popeza amalimbikitsa mazana masauzande amalonda chifukwa amanyamula chikoka china ndipo ali ndi nkhani yomwe ambiri angagwirizane nayo.
M'malo mongomanga kampani, kupereka mphotho pakuwotcha ndalama m'dzina la kugula kwamakasitomala, kupeza ndalama zambiri, kenako ndikutuluka ndikupereka mtengo wamtengo wapatali kwa ogula.
Siyani Mumakonda