Usomashishini lilizwi elitsha, kwaye abasunguli baba yimizekelo kulutsha. Ukukhutshwa kwamva nje kweTanki likaShaka eIndiya liqhubele phambili liyithathela phezulu.
Ngaphandle kookrebe, omnye woosomashishini abadumileyo eIndiya nguKunal Shah.
Waziwa ngobukrelekrele bakhe kunye neengcinga zakhe kwaye ubizwa ngokuba ngumseki ophumeleleyo weziqalo ezimbini ze-fintech, owesibini nguCRED. Nangona kunjalo, ngaba kukho nakuphi na kwezi ziqalo zimbini ezikwazileyo ukuqokelela ubutyebi, into ebesiyinxulumanisa kakhulu neshishini?
Makhe sichaze i-FreeCharge kunye nebali le-CRED ukumba inyani yokwenyani emva kokuqala kuka-Shah.
I-FreeCharge-Ukusuka kwikhulu lezigidi ukuya kwizigidi ezimbalwa
UKunal Shah kunye noSandeep Tandon baseke iFreeCharge kunye ngo-2010. Emva kokufumana inkxaso-mali yembewu evela kwiSequoia Capital kunye neTandon Group. Inkampani ifumene i-Rs. I-200 yezigidi ezivela kwi-Sequoia Capital kwi-2011.
Oko kwaqala ngeenkonzo zokutshaja ezihlawulelwayo kuphela emva koko zandiswa zaya kutsho kwi-DTH, i-post-paid mobile, ikhadi ledatha, umbane, amatyala egesi, iintlawulo ze-landline bill, njl.
Ngaphezu koko, iqhubekile yabonelela ngamakhuphoni esaphulelo ayelingana nexabiso lokutshaja kwakhona ekutyeni okuthandwayo nakwiivenkile ezithengisayo. Ukusebenzisana neentlobo ngeentlobo zokutya kuyincedile ukuba iqokelele isiseko somthengi esisisigidi esi-1.50 esomeleleyo, ivelisa iintengiselwano ezili-10,000 ngosuku.
Inkxaso-mali iqhubekile kwaye imali yatsha ngokunjalo- imodeli eqhelekileyo yeKunal Shah yayisebenza. Ngo-2014, ngokwenene yaba yinkampani ehamba phambili ekuhlawulweni ngokutsha kunye neentlawulo eziluncedo.
Abatyali-mali abaninzi bajoyine kwaye inkxaso-mali eyongeziweyo yanyuswa. Ngo-2015, urhwebo lweselula lwafumana ukuthandwa kwaye ngaphezulu kwe-80% yentengiselwano yeFreeCharge yenzeke kwiselula.
Inkampani iphinde yanyusa i-80 yezigidi zeedola kwisithuba senkxaso-mali yeSeries-C apho uSnapdeal wafumana iFreeCharge malunga. I-400-$450 yezigidi zeedola ezithathwa njengenye yezivumelwano ezinkulu zokuDibana kunye nokuFumana kwi-ecosystem yaseIndiya.
Nangona kunjalo, uKunal Shah waqhubeka njengoSihlalo wenkampani. IFreeCharge iphinde yasebenzisana neBhanki ye-Axis ukuphehlelela inkqubo yoNxibelelwano lweeNtlawulo eziManyeneyo (UPI) ukuze kuvumeleke ukuthengiselana kweebhanki ngoko nangoko.
Inkampani yabazali baka-Snapdeal, iJasper Infotech, ityale imali ezizigidi ezingama-60.8 zeedola kwiFreeCharge kodwa ibinengxaki yemali. Kwabakho utshintsho nakwiindima zobunkokeli. Njengoko uSnapdeal wayeqhubeka nokusokola ngemali, yayikwiintetho zokuthengisa iFreeCharge.
Kwakungelo xesha ngo-2017 apho iBhanki ye-Axis yafumana iFreeCharge ngezigidi ezingama-60 zeedola.
Ngelixa ukuthengwa kwe-Snapdeal ye-FreeCharge kunokuchazwa njengenye yezona zinto zinkulu ze-M&A zentengiso zokuqalisa, ukuthengiswa kwe-Snapdeal yeFreeCharge ikwangumzekelo obalulekileyo wendlela yokuqalisa ilahleko ngaphezulu kwe-75% -80% yobutyebi bayo kwiminyaka nje emi-2.
Ngubani obekek’ ityala?
I-CRED-iParadesi ka-Shah okanye esinye isiqalekiso sobutyebi?
I-CRED yayiyenye indawo yoshishino kuKunal Shah. Akukho-brainer ukuba uKunal Shah usekwenye ilahleko yokwenza ilahleko.
Ngelixa inkampani yahlukile, iqhinga lisafana - ukunyusa imali kunye nokubika ilahleko.
Imali ye-CRED yenza ukuba kucace ngakumbi. Lixesha lokuba siqale sicinge ukuba ingaba ukuthumela ilahleko eyothusayo emthunzini wokukhuliswa kunye nokufunyanwa kwabathengi kufanelekile.
I-CRED yasekwa ngo-2018 nguKunal Shah. Kunyaka wesibini wokusebenza kwayo, i-CRED inike ingxelo yengeniso yokusebenza ye-Rs. 52 lakhs ngokuchasene nokuchitha i-Rs. 378.4 yezigidi.
I-Rs. I-17.56 ye-crores efunyenwe ngenzala kwiidiphozithi yayikuphela kwesilivere efakwe kumafu amnyama.
Inyuse i-Rs. I-828 yezigidi kuNyaka-mali wama-2020 emva kokuba inyuse inkcitho yayo kwiindawo ezahlukeneyo. Ngaphaya koko, ikwazile ukungena kwi-5.90 yezigidi zabasebenzisi bekhadi letyala abanamanqaku alungileyo etyala.
Kodwa inyani yile, inkampani ayikwazanga ukwenza imali kubasebenzisi bayo okwangoku. Ukwenza lula ngakumbi, I-CRED ichithe i-Rs. 726.7 ukufumana irupee enye. Intengiso kunye nentengiso yaba lelona ziko leendleko zenkampani, lidibanisa i-47.6% yenkcitho iyonke.
Ukuza kwi-FY 2021-22, iindleko zenkampani zidubule ukuya kwi-Rs. I-1702 crores, kunye ne-60% ijoliswe ekuthengiseni nasekunyuseni.
Kunyaka-mali odlulileyo, ifake ilahleko ye-Rs. Izigidi ezingama-524.3 eziye zanyuka zaya kutsho kwi-Rs. I-1279.9 ye-crores kwi-FY 2022 ngelixa ilawula ukwandisa ingeniso kwi-Rs. I-88.6 yezigidi ukuya kwi-Rs. 393.6 yezigidi. Ngaphaya koko, u-Shah uzibophelele ekukhuleni ngakumbi kweqonga.
Ngokwengxelo yakhe, abantu abaninzi babandakanyeka kwiqonga lakhe ngobunzulu nangobubanzi, okukhokelela ekwandeni kwengeniso. Nangona kunjalo, ukuzibophelela kwakhe ekukhuliseni iqonga ngakumbi kunokuza kwiindleko zelahleko ezongezelelweyo kunye nokukhukuliseka kwenkunzi.
Inxalenye ekhohlisayo kukuba oku kwenziwa ngokuqaphela kwaye ngamanye amaxesha ijika ibe yi-loop engapheliyo. Kwinqanaba elithile, isiqalo sinokunyanzelwa ukuba sichithe ukugcina abathengi kunye nokufumana abathengi abatsha.
Oku kuba ngumngeni ngakumbi xa ukhuphiswano lusanda. Masithembe ukuba uKunal Shah unesicwangciso esiluqilima sokuphepha esi sigaba ngenye indlela, umkhondo ungafana neFreeCharge.
Ngaba Esi sakhiwo Brand okanye Ubutyebi Eroding?
Ukuwa kweFreeCharge kuphakamise imibuzo enzulu malunga nempumelelo ye-CRED, njengoko isebenza ngakumbi okanye ingaphantsi kwindlela enye. I-CRED kunye neFreecharge, bobabini balahlekelwe ngamakhulu ezigidi zeedola kunye nobuncinci i-CRED isekulo mzila.
Izigidi kunye nezigidi zeedola ziye zachithwa kwi-CRED ukwakha iqonga elinamacala amaninzi elineshumi elinesibini elinoncedo.
Ngaphaya koko, uKunal Shah waziwa ngokuba ngumtyali-mali onobundlavini kwisiqalo, etyale imali kwiinkampani ezingama-224 - ngaphandle kwesakhelo.
Intanda-bulumko yakhe yotyalo-mali yaphinda yavela emva kweengxelo zokuba wamkela iindawo zotyalo-mali ku-WhatsApp, kwaye ngokucacileyo, awufuni kwaukudibana naye okanye ube nedekhi yeshishini. Loluphi uhlobo lweshishini olwenziwayo lufanelekile ngokwenene ukucinga okwesibini.
Ushishino lumalunga nokusungula izinto ezintsha kunye nokusombulula ingxaki ethile. Nangona kunjalo, kukho indlela entsha eqaphelekayo kuluntu oluqalayo, oko kukuthi, ukunyusa imali, kunye nokutshisa inkunzi enkulu yokufumana abathengi ekhokelela ekuxelweni kwelahleko enkulu. Ekugqibeleni, ezi lahleko zigqithiselwa kwiseti yokugqibela yabatyali-mali.
UKunal Shah akazange enze into entsha kodwa wafaka imali eninzi kakhulu kwiiprojekthi "ezingenamveliso" ezifana neCRED ezinokuthi zisetyenziswe ukudala into enentsingiselo. Into eluncedo ngokwenene.
Amakhulu ezigidi zeedola eziye kwinkxaso-mali ye-CRED ibinokusetyenziselwa iprojekthi engcono kakhulu eluncedo lokwenyani kubathengi endaweni yokuvuza amanqaku kunye nokhuphiswano oluthile. Akukho namnye unombono wokuba yintoni na imveliso. Ndiyabheja ukuba ndibuza nabaphi na abaphathi bemveliso e-CRED, baya kusilela ukuphendula ukuba yeyiphi “imveliso” abasebenza kuyo.
Xa kuziwa kwishishini okanye ishishini, inzuzo iyimfuneko. Akukho nkampani inokuphila ngaphandle kwengeniso. UKunal Shah ubonakala elahlekile le nto ibalulekileyo kwisiqalo sakhe.
Ekugqibeleni, iqamza lamaxabiso aphezulu kunye nelahleko iya kugqabhuka komnye okanye abambalwa kubatyali-zimali, ngelixa abanye beza kubhukisha iinzuzo zabo kwaye baphume kumnyango ongasemva. Kwimeko yeFreeCharge, loo mtyali-mali ongenathamsanqa yayinguSnapdeal.
ukuba inkampani iya kwi-IPO, ezi lahleko zidluliselwa kubatyalo-mali abathengisayo, okukhokelela ekulahlekelweni kokholo kunye nokuzithemba komtyali-mali kwixesha elide. Khumbula ibali lePaytm?
Abarhwebi abafana noKunal Shah kufuneka bagcine injongo yexesha elide engqondweni. Kuba bakhuthaza amakhulu amawaka oosomashishini kuba bephethe i-charisma ethile kwaye banebali abaninzi abanokunxibelelana nalo.
Kunokuba wakhe nje inkampani, ukudlulisa imbuyekezo ngokwenza imali etshisiweyo egameni lokufunyanwa kwabathengi, ukufikelela kumaxabiso aphezulu, kwaye uphume ngelixa udlulisela iqamza loqingqo-maxabiso kubathengi.
Shiya iMpendulo