Market Research
Gaps Needs
• Low levels of financial literacy • Simplified financial products
• Limited physical branch • Awareness campaigns for
presence financial literacy
• Inadequate credit facilities for • Expansion of mobile banking and
farmers & MSMEs branch networks
• Limited technological access in • Flexible loan repayment
rural areas structures
• Lack of trust • Trust-building initiatives
3 model Framework
Total Addressable Market (TAM) Serviceable Available Market (SAM) Serviceable Obtainable Market (SOM):
• India’s Rural Population: As of 2023, • Target Segments: • Branch Expansion:
approximately 833 million people • Farmers: Focus on issuing Unichip - • Reduce service radius to 10–15 km in rural
A whole new USP for financial areas.
reside in rural areas.
services. • Market Share Target:
• Potential Customers: Comprises
• Small Businesses: Provide loans to • Capture 40% of the rural banking market
farmers, small businesses, and MSMEs, with a total serviceable by 2029.
individuals in rural regions. market of 324 million MSMEs, • Digital Banking Growth:
supported by government schemes. • Increase digital adoption to 70% in rural
• Individuals: Encourage the 833 areas.
million rural residents to open • Customer Outreach:
savings accounts. • Onboard 100M new rural customers
Mobile banking apps
Accessibility Partner with local Kirana store for Unichips scanning process
Connect with Anganwadi's
Promote Financial Awareness in Panchayat Meeting
Financial literacy Conduct Skits for Financial & Digital Literacy in Rural Areas
Block-Level Training for Rural Youth on Financial Technology
Multilingual AI chatbots
Technological Uniscan card chip solution (solar-powered hybrid technology)
Integration .Telemedicine services.
Digital Farming App with DBT and MSP Integration
Credit scoring model (Easy Loan Approval for CIBIL Scores Above 550)
Scalability and AI-Driven Google Cloud Model which ultimately drives low IT cost
Sustainability Centralized DBMS through unichips for segmentation
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