Entrepreneurship ndiyo itsva buzzword, uye vavambi vave kuva mienzaniso yevechidiki. Kuburitswa kwazvino kweShark Tank muIndia kwakawedzera kukwidza kumusoro.
Kunze kwe shark, mumwe wevanonyanya kufarirwa mabhizinesi muIndia ndiKunal Shah.
Iye anozivikanwa nehungwaru uye pfungwa dzake uye anonzi akabudirira muvambi weaviri fintech ekutanga, wechipiri ari CRED. Nekudaro, pane chero ekutanga maviri ekutanga akakwanisa kuunganidza hupfumi, chinhu chatinonyanya kubatanidza nebhizimusi?
Ngatitorei iyo FreeCharge uye CRED nyaya yekuchera muchokwadi chaicho kuseri kwekutanga kwaShah.
FreeCharge - Kubva Mazana Mamirioni kusvika Mamirioni mashoma
Kunal Shah naSandeep Tandon vakavamba FreeCharge pamwe chete muna 2010. Mushure mekugamuchira mari yembeu kubva kuSequoia Capital neTandon Group. Kambani yakagamuchira Rs. 200 miriyoni kubva kuSequoia Capital muna 2011.
Izvo zvakatanga nekungoripa prepaid mobile recharging masevhisi gare gare yakawedzera kuDTH, post-yakabhadharwa mbozhanhare, data kadhi, magetsi, gasi mabhiri, landline mabhiri ekubhadhara, nezvimwe.
Kupfuurirazve, yakaenderera mberi nekupa macoupon ekudzikisira ayo aive akaenzana neiyo recharge kukosha pazvikafu zvakakurumbira uye zvitoro zvekutengesa. Kudyidzana nemhando dzakasiyana dzechikafu kwakaibatsira kuunganidza 1.50 miriyoni yakasimba vatengi, ichigadzira zviuru gumi zvekutengesa pazuva.
Mari yacho yakaenderera mberi uye mari yakatsva zvakare - yakajairika Kunal Shah modhi yaishanda. Muna 2014, yakave yakave kambani inotungamira mukubhadhara uye kubhadhara zvekushandisa.
Vamwe vemariyori vakabatanidzwa uye mari yakawanda yakasimudzwa. Muna 2015, nharembozha yakawana mukurumbira uye pamusoro pe80% yezvekuita zveFreeCharge yakaitika parunhare.
Iyo kambani yakawedzera madhora makumi masere emamiriyoni emadhora muSeries-C mari yekutenderera post iyo Snapdeal yakawana FreeCharge yeapprox. $80- $400 miriyoni iyo inotaridzwa seimwe huru yeMeger uye Kutora zvibvumirano muIndia yekutanga ecosystem.
Nekudaro, Kunal Shah akaenderera mberi seSachigaro wekambani. FreeCharge yakawedzera kubatana neAxis Bank kuti itange Unified Payments Interface (UPI) system yekubvumidza kutengeserana kwemabhanga ipapo.
Kambani yevabereki veSnapdeal Jasper Infotech yakaisa madhora 60.8 miriyoni muFreeCharge asi yainetsekana nemari. Pakava neshanduko mumabasa ehutungamiri zvakare. Sezvo Snapdeal yakaramba ichinetsa nemari, yaive muhurukuro dzekutengesa FreeCharge.
Yakanga iri muna 2017 iyo Axis Bank yakawana FreeCharge nemadhora makumi matanhatu chete.
Nepo kutenga kweSnapdeal kweFreeCharge kuchigona kuverengerwa seimwe yemadhiri mahombe eM&A ekutanga, kutengeswa kweSnapdeal kweFreeCharge yaivewo muenzaniso wakakosha wekuti yekutanga inorasikirwa neinopfuura 75% -80% yehupfumi hwayo mumakore maviri chete.
Ndiani anofanira kupiwa mhosva?
CRED - Paradhiso yaShah kana Imwe Kutuka Pfuma?
CRED yaive imwe stint yebhizimusi reKunal Shah. Hazvina-brainer kuti Kunal Shah achirizve pane imwe nzira yekurasikirwa.
Kunyange iyo kambani yakasiyana, zano richiri rakafanana - kukwidza mari uye kushuma kurasikirwa.
Mari yeCRED yakaita kuti zvinyanye kuoneka. Yasvika nguva yekuti titange kufungisisa kana kutumira kurasikirwa kunokatyamadza mumumvuri wekuyera uye kutora kwevatengi kwakakodzera.
CRED yakavambwa muna 2018 naKunal Shah. Mugore rechipiri rekushanda kwayo, CRED yakashuma mari yekushandisa yeRs. 52 lakhs inopesana nekushandisa mari yakawanda Rs. 378.4 makirogiramu.
Rs. 17.56 crores iyo yaiwana kuburikidza nemubereko pamadhipoziti ndiyo yega sirivheri yaigara mumakore akasviba.
Yakawedzera Rs. 828 crores muGore reMari 2020 zvichitevera izvo zvakawedzera kushandisa kwayo mumativi akasiyana. Kupfuurirazve, yakakwanisa kukwira 5.90 miriyoni vashandisi vemakadhi echikwereti vane zvikwereti zvakanaka zvechikwereti.
Asi chokwadi ndechekuti, kambani yanga isati yakwanisa kuita mari vashandisi vayo. Kuti uwedzere kurerutsa, CRED yakashandisa Rs. 726.7 kuti uwane rupire imwe chete. Kushambadzira uye kushambadzira kwakava nzvimbo huru yemutengo wekambani, inounganidza 47.6% yezvese zvakashandiswa.
Kuuya kuFY 2021-22, mari yekambani yakapfura kusvika kuRs. 1702 crores, ine 60% yakanangana nekushambadzira uye kukwidziridzwa.
Mugore rezvemari rapfuura, yakatumira kurasikirwa kweRs. 524.3 crores iyo yakakwira kusvika kuRs. 1279.9 crores muFY 2022 uku uchikwanisa kuwedzera mari kubva kuRs. 88.6 crores kusvika kuRs. 393.6 makirogiramu. Kupfuurirazve, Shah akazvipira kune kumwe kukura kwepuratifomu.
Sekutaura kwake, vanhu vazhinji vari kuita mupuratifomu yake zvakadzama uye nehupamhi, zvichikonzera kuwedzera kwemari. Nekudaro, kuzvipira kwake mukukura kwepuratifomu zvakare kunogona kuuya nemubhadharo wekuwedzera kurasikirwa uye kukukurwa kweguta.
Chikamu chinonyepa ndechekuti izvi zvinoitwa nekuziva uye dzimwe nguva zvinoshanduka kuita chiuno chisingaperi. Pane imwe nhanho, yekutanga inogona kumanikidzwa kushandisa kuchengetedza vatengi pamwe nekuwana vatengi vatsva.
Izvi zvinonyanya kuoma kana kukwikwidza kunowedzera. Ngativimbei Kunal Shah ane hurongwa hwakasimba hwekudzivirira nhanho iyi neimwe nzira, iyo trajectory inogona kufanana neFreeCharge.
Ichi Chivakwa Chekuvakwa kana Pfuma Inoparadza?
Kudonha kweFreeCharge kwasimudza mibvunzo yakakomba nezve budiriro yeCRED, sezvo iri kushanda kana kushoma nenzira imwecheteyo. CRED neFreecharge, vese vakarasikirwa nemazana emamiriyoni emadhora neCRED ichiri munzira iyoyo.
Mamirioni nemamirioni emadhora akaraswa paCRED kuvaka akawanda-makumi emakore ekare akawanda-mativi chikuva chine zero utility chero.
Kupfuurirazve, Kunal Shah anozivikanwa zvakare kuve mutyairi ane hukasha mukutanga, akadyara mumakambani mazana maviri nemakumi maviri nemana - pasina hurongwa.
Huzivi hwake hwekudyara hwakazobuda pachena mushure memishumo yekuti ari kugamuchira nzvimbo dzekudyara paWhatsApp, uye sezviri pachena, hautombodi kusangana naye kana kuva nedhizaini yebhizinesi. Irudzii rwebhizimusi riri kuitika rakakodzera kufunga kechipiri.
Entrepreneurship inyaya yekuvandudza uye kugadzirisa rimwe dambudziko. Nekudaro, pane maitiro matsva anoonekwa munharaunda yekutanga, kureva, kuunganidza mari, uye kupisa mari hombe yekutora vatengi zvinotungamira kukuzivisa kwekurasikirwa kukuru. Pakupedzisira, kurasikirwa uku kunopfuudzwa kune yekupedzisira seti yevanoisa mari.
Kunal Shah haasati ambogadzira chimwe chinhu chitsva asi akaisa mari yakawanda mu "chigadzirwa-chishoma" mapurojekiti seCRED angadai akashandiswa kugadzira chimwe chinhu chine musoro. Chinhu chinobatsira zvechokwadi.
Mazana emamiriyoni emadhora akaenda kumari yeCRED angadai akashandiswa kuita basa riri nani zvikuru rine zvinobatsira chaizvo kune vatengi kwete kungopa mibairo nemamwe makwikwi. Hapana anoziva kuti chigadzirwa chacho chii. Ini ndinobheja kana ndikabvunza chero maneja echigadzirwa kuCRED, vanotadza kupindura kuti chii "chigadzirwa" chavari kushanda nacho.
Kana zvasvika kune bhizinesi kana bhizinesi, purofiti inofanirwa. Hapana kambani inogona kurarama pasina purofiti. Kunal Shah anoita kunge ari kupotsa chinhu chakakosha ichi mukutanga kwake.
Pakupedzisira, bubble rekukosha kwepamusoro uye kurasikirwa rinoputika pane mumwe kana vashoma vevashambadziri, vamwe vachizonyora zvavanowana uye vachibuda kubva kumusuwo wekuseri. Panyaya yeFreeCharge, iye asina rombo investor aive Snapdeal.
kana kambani inoenda kuIPO, kurasikirwa uku kunopfuudzwa kune vatengesi vezvitoro, izvo zvinotungamirira mukurasikirwa kwekutenda uye chivimbo chevatengesi munguva refu. Rangarira nyaya yePaytm?
Vanamuzvinabhizinesi vakaita saKunal Shah vanofanirwa kuchengeta chinangwa chenguva refu mupfungwa. Sezvo ivo vachikurudzira mazana ezviuru zvemabhizinesi nekuti ivo vanotakura imwe charisma uye vane nyaya iyo vazhinji vanogona kuenderana nayo.
Panzvimbo pekungovaka kambani, kupfuudza mibairo uchipisa mari muzita rekutora mutengi, kuwana kukosha kwepamusoro, uye wobva wabuda uchipfuudza bhavhu rekuyeresa kune vatengi.
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