Ezamabhizinisi yinsakavukela umchilo wesidwaba, kanti abasunguli sebeyisibonelo esihle entsheni. Ukukhishwa kwakamuva kwe-Shark Tank e-India kuqhubekisele phambili izinga eliphezulu.
Ngaphandle koshaka, omunye wosomabhizinisi abadume kakhulu eNdiya nguKunal Shah.
Waziwa ngobuhlakani bakhe nangemibono yakhe futhi ubizwa ngokuthi umsunguli ophumelelayo weziqalo ezimbili ze-fintech, owesibili kube yi-CRED. Kodwa-ke, ingabe kukhona kulezi ziqalo ezimbili ezikwazile ukuqongelela ingcebo, into esiyihlobanisa kakhulu nezamabhizinisi?
Ake sinqume indaba ye-FreeCharge ne-CRED ukuze simbe iqiniso langempela ngemuva kokuqala kuka-Shah.
I-FreeCharge - Ukusuka Ezigidini Eziyikhulu Kuya Ezigidini Ezimbalwa
U-Kunal Shah no-Sandeep Tandon basungula i-FreeCharge ndawonye ngo-2010. Ngemva kokuthola uxhaso lwembewu oluvela ku-Sequoia Capital ne-Tandon Group. Inkampani ithole u-Rs. 200 million evela eSequoia Capital ngo-2011.
Okwaqala ngezinsizakalo zokushajwa kabusha kweselula ezikhokhelwa kusengaphambili kamuva kwanwetshwa ku-DTH, iselula ekhokhelwe ngemuva, ikhadi ledatha, ugesi, izikweletu zegesi, izinkokhelo zezikweletu zezintambo zasendlini, njll.
Ngaphezu kwalokho, iqhubekile nokuhlinzeka ngamakhuphoni esaphulelo ayelingana nenani lokushajwa kabusha ezindaweni zokudla ezidumile nezitolo. Ukubambisana nemikhiqizo ehlukahlukene yokudla kuyisize yaqongelela isisekelo samakhasimende esiqinile esiyizigidi ezingu-1.50, okwenza imisebenzi eyi-10,000 ngosuku.
Uxhaso lwaqhubeka futhi nemali yasha - imodeli ejwayelekile ye-Kunal Shah yayisebenza. Ngo-2014, yaba inkampani ehamba phambili ekukhokheleni kabusha kanye nezinkokhelo zezinsiza.
Abatshalizimali abaningi bajoyina futhi uxhaso oluthe xaxa lwaphakanyiswa. Ngo-2015, uhwebo lweselula lwathola ukuduma futhi ngaphezu kwama-80% okwenziwa kweFreeCharge kwenzeka kumaselula.
Le nkampani iphinde yanyusa amaRandi ayizigidi ezingama-80 ku-Series-C yoxhaso lweposi lapho uSnapdeal ethole iFreeCharge cishe. U-$400-$450 wezigidigidi othathwa njengenye yamadili amakhulu kakhulu Wokuhlanganisa Nokutholwa kuhlelo lokuqala lwe-Indian ecosystem.
Nokho, uKunal Shah waqhubeka njengoSihlalo wenkampani. IFreeCharge iphinde yasebenzisana ne-Axis Bank ukwethula uhlelo lwe-Unified Payments Interface (UPI) ukuze luvumele ukuthengiselana kwamabhange ngokushesha.
Inkampani engabazali bakaSnapdeal, iJasper Infotech, itshale u-$60.8 million kuFreeCharge kodwa ibidonsa kanzima ngemali. Kwaba noshintsho nasezindimeni zobuholi. Ngenkathi uSnapdeal eqhubeka nokuzabalaza nemali, bekusezingxoxweni zokuthengisa iFreeCharge.
Kungaleso sikhathi ngo-2017 lapho i-Axis Bank yathola khona iFreeCharge ngezigidi ezingama- $ 60 kuphela.
Ngenkathi ukuthengwa kwe-Snapdeal kwe-FreeCharge kungathathwa njengenye yezivumelwano ezinkulu ze-M&A zokuqalisa, ukuthengiswa kwe-Snapdeal kwe-FreeCharge nakho kube yisibonelo esibalulekile sokuthi isiqalisi silahlekelwa kanjani ngaphezu kuka-75% -80% womcebo wako eminyakeni emi-2 kuphela.
Ubani okufanele asolwe?
I-CRED - IPharadesi Lika-Shah Noma Esinye Isiqalekiso Somcebo?
I-CRED bekungesinye isiqephu sezamabhizinisi kuKunal Shah. Akunangqondo ukuthi u-Kunal Shah usephinde waba kwenye inhlakanhlaka yokulahlekelwa.
Nakuba inkampani ihlukile, iqhinga lisafana - ukukhuphula uxhaso nokubika ukulahlekelwa.
Izimali ze-CRED zenze kwabonakala nakakhulu. Sekuyisikhathi sokuthi siqale ukuzindla ukuthi ngabe ukuthumela ukulahlekelwa okudida ingqondo ethunzini lokukhula nokutholwa kwamakhasimende kuyafaneleka yini.
I-CRED yasungulwa ngo-2018 nguKunal Shah. Onyakeni wesibili wokusebenza kwayo, i-CRED ibike imali engenayo yokusebenza engama-Rs. 52 lakhs ngokumelene nokusebenzisa isamba esikhulu sama-Rs. 378.4 izigidi.
Rs. U-17.56 crores eliwuthole ngenzalo kumadiphozithi wawuwukuphela komugqa wesiliva emafini amnyama.
Inyuse ama-Rs. 828 crores onyakeni wezezimali wezi-2020 okulandela ukuthi ikhulise imali yayo ezindaweni ezahlukene. Ngaphezu kwalokho, ikwazile ukufaka abasebenzisi bamakhadi esikweletu abayizigidi ezingu-5.90 abanezikolo ezinhle zesikweletu.
Kodwa iqiniso liwukuthi, inkampani ayikwazanga ukwenza imali ngabasebenzisi bayo okwamanje. Ukuze wenze lula, I-CRED isebenzise ama-Rs. 726.7 ukuze uthole i-rupee eyodwa. Ukukhangisa nokumaketha kube isikhungo sezindleko ezinkulu zenkampani, okuhlanganisa u-47.6% wesamba sezindleko.
Ngokuza ku-FY 2021-22, izindleko zenkampani zakhuphukela ku-Rs. 1702 crores, kanti ama-60% aqondiswe ekukhangiseni nasekunyusweni.
Ngonyaka wezimali odlule, ithumele ukulahlekelwa kwe-Rs. 524.3 crores ekhuphuke yafinyelela ku-Rs. 1279.9 crores ngo-FY 2022 ngenkathi ekwazi ukukhulisa imali engenayo esuka ku-Rs. 88.6 crores kuya ku-Rs. 393.6 izigidi. Ngaphezu kwalokho, u-Shah uzibophezele ekukhuleni okuqhubekayo kwesikhulumi.
Ngokusho kwesitatimende sakhe, abantu abaningi bahlanganyela esiteji sakhe ngokujulile nangobubanzi, okuholela ekwandeni kwemali engenayo. Kodwa-ke, ukuzibophezela kwakhe ekukhuliseni inkundla ngokuqhubekayo kungase kufike ngezindleko zokulahlekelwa okunye nokuguguleka kwenhloko-dolobha.
Ingxenye ekhohlisayo ukuthi lokhu kwenziwa ngokuqaphela futhi ngezinye izikhathi kuphenduka iluphu engapheli. Esigabeni esithile, ukuqalisa kungase kuphoqeleke ukuthi kuchithe imali ukuze kugcinwe amakhasimende kanye nokuthola amakhasimende amasha.
Lokhu kuba yinselele ikakhulukazi lapho umncintiswano ukhula. Asethembe ukuthi uKunal Shah unohlelo oluqinile lokugwema lesi sigaba ngaphandle kwalokho, umkhondo ungafana noweFreeCharge.
Ingabe Lesi Sakhiwo Somkhiqizo noma Umcebo Uyaguguleka?
Ukwehla kweFreeCharge kuphakamise imibuzo engathi sína ngempumelelo ye-CRED, njengoba isebenza ngendlela efanayo. I-CRED ne-Freecharge, zombili zilahlekelwe ngamakhulu ezigidi zamaRandi okungenani i-CRED isakuleyo threkhi.
Izigidi nezigidi zamaRandi zimoshwe ku-CRED ukuze kwakhiwe inkundla enezinhlangothi eziningi yeminyaka eyishumi engenamsebenzi walutho.
Ngaphezu kwalokho, uKunal Shah waziwa nangokuthi ungumtshali zimali onolaka kwabaqalayo, njengoba etshale ezinkampanini ezingama-224 - ngaphandle kohlaka.
Ifilosofi yakhe yokutshala imali iphinde yavela ngemuva kwemibiko yokuthi wamukela izindawo zokutshala imali ku-WhatsApp, futhi ngokusobala, awudingi ngisho nokuhlangana naye noma ube nedekhi yebhizinisi. Ukuthi hlobo luni lwebhizinisi olwenziwayo kuwufanele umcabango wesibili.
Ezamabhizinisi imayelana nokusungula izinto ezintsha kanye nokuxazulula inkinga ethile. Kodwa-ke, kunomkhuba omusha obonakalayo emphakathini oqalayo, okungukuthi, ukuqoqa izimali, kanye nokushiswa kwemali enkulu ukuze kutholwe amakhasimende okuholela ekubikweni kokulahlekelwa okukhulu. Ekugcineni, lokhu kulahlekelwa kudluliselwa kusethi yokugcina yabatshalizimali.
U-Kunal Shah akakaze adale okuthile okusha kodwa usebenzise imali eningi kangaka kumaphrojekthi “angenamkhiqizo” afana ne-CRED ebingase isetshenziselwe ukudala okuthile okunenjongo. Kukhona okuwusizo ngempela.
Amakhulu ezigidi zamadola asetshenziselwe ukuxhasa ngemali i-CRED ibingase isetshenziselwe iphrojekthi engcono kakhulu enosizo lwangempela kumakhasimende kunokumane kuklonyeliswe amaphuzu kanye nemincintiswano ethile. Akekho onomqondo wokuthi uyini umkhiqizo. Ngiyabheja uma ngibuza noma yibaphi abaphathi bomkhiqizo kwa-CRED, bazohluleka ukuphendula ukuthi yimuphi “umkhiqizo” abasebenza kuwo.
Uma kukhulunywa ngebhizinisi noma kwezamabhizinisi, inzuzo iyadingeka. Ayikho inkampani engaphila ngaphandle kwenzuzo. UKunal Shah ubukeka ephuthelwa yilesi sici esibalulekile ekuqaleni kwakhe.
Ekugcineni, ibhamuza lokulinganisa okuphezulu nokulahlekelwa kuzoqhuma koyedwa noma abambalwa babatshalizimali, kuyilapho abanye bezobhukha izinzuzo zabo futhi baphume ngomnyango ongemuva. Endabeni yeFreeCharge, lowo mtshali-zimali oneshwa kwakungu-Snapdeal.
Uma inkampani iya ku-IPO, lokhu kulahlekelwa kudluliselwa kubatshalizimali abadayisayo, okuholela ekulahlekelweni ukholo nokuqiniseka kwabatshalizimali ngokuhamba kwesikhathi. Khumbula indaba ye-Paytm?
Osomabhizinisi abanjengoKunal Shah badinga ukugcina umgomo wesikhathi eside engqondweni. Njengoba bekhuthaza amakhulu ezinkulungwane zosomabhizinisi ngoba baphethe i-charisma ethile futhi banendaba abaningi abangayihlanganisa.
Kunokuba nje wakhe inkampani, ukudlulisa imiklomelo ngokwenza imali eshisiwe egameni lokutholwa kwamakhasimende, ukuzuza amanani aphezulu, bese uyaphuma ngenkathi udlulisela ibhamuza lokulinganisa kubathengi.
shiya impendulo