INVESTMENT MEMORANDUM

TO RAISE
US $ 250,000 IN
BiG DIGITAL ACCOUNTING PVT. LTD.
THROUGH PRIVATE EQUITY

June 2018

Strictly Confidential
IMPORTANT NOTICE

• This Information Memorandum (“IM”) has been issued by BIG DIGITAL ACCOUNTING PVT. LTD. to enable recipients
(“Recipients”) to consider participating in a EQUITY fund requirement to meet the Company’s capital growth requirements.
• The Company has taken all reasonable care to ensure that the information in this IM (“the Information”) is true and
accurate in all material respects and that there are no material facts the omission of which would make misleading any
statement in this IM, whether of fact or of opinion. The information is selective and is subject to updating, expansion,
revision and amendment.
• This IM does not purport to contain all the information that Recipients may require, and no obligation is accepted to
provide Recipients with access to any additional information, or to update, expand, revise or amend the Information, or to
correct any inaccuracies which may become apparent.
• This IM includes certain forward looking statements, estimates and projections with respect to the anticipated
performance of the Company. Such statements, estimates and projections reflect various assumptions made by the
Company concerning anticipated results, which assumptions may or may not prove to be correct. No representation is
made as to the accuracy of such statements, estimates and projections.
• This IM is not a prospectus, and does not constitute or form any part of any offer or invitation to subscribe for, underwrite
or purchase securities, nor shall it or any part of it form the basis of, or be relied upon, in any way in connection with any
contract or investment decision relating to any securities. It is aimed only at persons having professional experience in
matters related to investments of this nature, and the opportunity to which this IM relates is available only to such persons.
Persons of any other description should not make any use of, rely on nor act upon this IM.
• Recipients should therefore conduct their own investigations and analyses of the Company and the Information, including
the merits and risks involved and are advised to seek their own professional advice on the financial, tax, legal and other
consequences of investing in the Company. It is the responsibility of any prospective investor to satisfy itself as to full
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• This IM is confidential and for use only by the persons to whom it is issued by the Company or its appointed advisers, by
accepting delivery of this IM each Recipient agrees to treat the contents hereof as confidential. It may not be copied or
distributed by the Recipient to any third parties (other than to the Recipient’s professional advisers who are subject to a
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proceed with its interest in the Company or if the Company makes the request the Recipient must return this IM to the
Company. Furthermore the Company would require the Recipient delete all copies along with those with their advisors.
2
TABLE OF CONTENTS
1 EXECUTIVE SUMMARY

2 KEY CONSIDERATIONS/VALUE DRIVERS

MACROECONOMICS

DEMOGRAPHICS

UNORGANIZED MARKET IN INDIA

3 LIKH LE STRATEGIC POSITIONING

4 FINANCIAL PERFORMANCE & FORECAST

5 KEY RISK FACTORS

6 APPENDIX

3
CORPORATE INFORMATION INDIA

CORPORATE NAME BIG DIGITAL ACCOUNTING PVT. LTD.

PROMOTER BIG BUSINESS ADVISORS PVT. LTD.

REGISTERED ADDRESS INDIA Corporate Address :

802-803, Nirmal Corporate Centre,
LBS Road, Mulund West, Mumbai 80

STRATEGIC BUSINESS E-COMMERCE

SEGMENT

BANKERS Oriental Bank Of Commerce

4
EXECUTIVE SUMMARY

5
EXECUTIVE SUMMARY
INTRODUCTION
The objective is to solve all Accounting /
Account Management related problems of Micro
Entrepreneurs / Street Vendors who has Credit
Business Accounts
The Firm has developed the Mobile App with
Cloud Based Data Storage Solution for these
vendors.
The basis of the Concept is do order booking,
daily report, bill generation ina Click on the
Smartphone. In the next phase we shall provide
a simple accounting Debit Credit Feature to
maintain simple accounts.
ü Likh Le – Simply Digital…
ü The Population of Street Vendors, Micro
Entrepreneurs is huge in India.
ü The Statistics Says in Rural India 1.2% of
Total Population is Unorganized Vendors
and in City the percentage is 2.3% .
ü These vendors still use small diary,
paper, calenders to do Hisab.
ü We are creating a solution to solve all
their accounting problem on a click.
ü Likh Le is a Digital platform that
specialises in offering Credit Account
Management, Order booking, Follow ups,
Account Recievables, Bill Generation with
Whastapp and SMS Gateway Integration.
ü We provide our patrons flexibility to
conduct Business at any other convenient
location, in a hassle free manner. 6
KEY CONSIDERATIONS /
VALUE DRIVERS

7
EXECUTIVE SUMMARY

KEY LEADING CONSIDERATIONS/

VALUE DRIVERS - INDIA

ü India, world’s second most populous country, is a thriving market

and one of the fastest growing economies across the globe.
MACRO ü India’s GDP is estimated to register a growth of more than 7% in the
next couple of years.
ECONOMICS ü India’s per capita income rose 37.6% in a span of four years, from
2011-12 to 2014-15.

ü Initial launch of Likh Le App will be done in 25 cities.

ü Every City overall 750 Street Vendors who manages some
ABOUT THE accounts on Credit will be our target segment.
SERVICE ü The team of 5 people every city will be recruited locally from the
city for the enrollment of the Vendors.

ü Likh Le team already did the trial run of the app and got very good
OM NAMO response in Nasik
STRATEGIC ü Services Highlights – Credit Account Management, Multi Lingual
Support, Access to Phone feature, Data stored on cloud reducing
ADVANTAGE risk of phone loss, data loss, phone switch.

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KEY CONSIDERATIONS/ VALUE DRIVERS

MACROECONOMICS - INDIA

ü The Indian economy is growing fast, and is

INDIA GDP (IN USD BILLION)
2308 valued at US$ 2308 bn in 2014-15.
2050 ü India’s share in the world GDP has been steadily
1843 1836 1875
increasing, and is expected to reach 6.28% in
2015, up from 4.17% in 2005.
ü The Economy of India is the seventh-largest in
the world by nominal GDP and the third-largest
by purchasing power parity (PPP).
2010-11 2011-12 2012-13 2013-14 2014-15
PER CAPITA INCOME (INR)
GDP SECTOR WISE CONTRIBUTION IN INDIA 2015 (%)
17% 2014-15 88,533
57%
2013-14 80,388

26% 2012-13 71,593

2011-12 64,316

Agriculture Industry Service - 20,000 40,000 60,000 80,000 100,000

Source: Statistics Times
CIA Fact Book Indian Economy, BSE
9
KEY CONSIDERATIONS/ VALUE DRIVERS

DEMOGRAPHICS - INDIA

ü India is the seventh-largest country by area, the

No of household in INDIA
second-most populous country with over 1.2 billion (in millions)
people, and the most populous democracy in the world. 338
267 296
ü India is a federation composed of 29 states and 7 union
territories.
ü The Indian economy is the world's seventh-largest by
nominal GDP and third-largest by purchasing power 2015 2025 2050
parity (PPP).
Source: Population Pyramid
ü Mumbai, Delhi, Bangalore, Hyderabad, Chennai, F - Forecast

Ahmedabad, Pune and Kolkata are in order of the most DEMOGRAPHIC PROFILE OF INDIA
populous metropolitan areas. Population* 1,282,000,000
Population 1.2%
Growth Rate (Per
RURAL AND URBAN POPULATION Annum)
(% IN 2014)
No. of 267083333
Households
32%
Religions Hinduism, Islam, Christianity,
Rural Sikhism, Buddhism, Jainism
1
Urban Literacy** Total
0 population: 74.04%
Male: 82.14%
Female: 65.46%
68% Source: PricewaterhouseCoopers report
Ministry of External Affairs
• - Population in 2015; ** - provisional data 201110
census
*** - 2013 est.
UNORGANIZED SECTOR
IN INDIA

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UNORGANIZED SECTOR IN INDIA

Street Vendors - INDIA

ü Street vendors form considerable part of Informal

RURAL AND URBAN POPULATION
sector economy. There are close to 10 million street SPLIT (% IN 2014)
vendors in India. Roughly 2% of entire city population
32%
are street vendors. Vendors in India contribute greatly
to the country’s savings and GDP. Rural
ü Despite tthis, street vending is part of the unregulated Urban
informal economy in the world.
68%
ü The recent bill provides for the establishment of a Town
Source: Population Pyramid
Vending Committee with representation from all F - Forecast

stakeholders – street vendor organisations, civil society Street Vendors in India

groups, traffic police and municipal authorities. Population* 2,56,40,000
ü The committee is required to register vendors, Growth Rate (Per 1.2%
Annum)
providing them with identity cards to better regulate
No. of 26,70,83,333
hawking activities in public areas.
Households
ü Social security and insurance schemes are part of the
Literacy** 64.04%
ambit of the new law, which also promises bank loans to
hawkers to keep them out of the clutches of 1
unscrupulous moneylenders. 2

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BiG Digital Accounting Pvt Ltd

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BiG Digital Accounting Pvt Ltd.
ABOUT LIKH LE APP
Initially the target market is 25 Cities in
India, Maharashtra, Gujarat, Madhya
Pradesh & Andhra Pradesh Region then
we shall move into Rest Of India
followed by Pakistan, Bangladesh,
Nepal, Sri Lanka & other parts of Africa.
ü Likh Le… Simply Digital…
ü During the POC, This App has come out as a star performer and
the apple of the eye for the street vendors.
ü Likh Le is a Digital platform that specialises in offering Credit
Account Management, Order booking, Follow ups, Account
Recievables, Bill Generation with Whastapp and SMS Gateway
Integration.
ü A user-friendly interface combined with pleasant colour
schematics and ease of operation makes Likh Le app a must-have
for every vendor. There are also plans to release this app in
multiple languages so that anyone with a smartphone can have a
smooth experience.
ü The Sales Strategy will be used in such a way that maximum
number of user will download the application with the help of
Sales Associates.
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BiG Digital Accounting Pvt Ltd.

SERVICES & Target Segments

TARGET VENDORS
FEATURES
• Tea Stalls / Chai wala

• Credit Customer Registration • Laundry

• Digital Menu / services • Vada Pav / Snacks

• Paper wala
• Easy order booking
• Haar Wala / Flourist
• One click report generation
• Doodh wala
• Daily Sales Report
• Tiffin Service
• Outstanding Report
• School / Industry Canteen
• Monthly Sales Report
• SME Industry for Contract labour
• Various Data Analytics Reports
• Waste Management Companies

• Paanwala

• Roti Supply segment to Industry

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BiG Digital Accounting Pvt Ltd.

USER INTERFACE

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BiG Digital Accounting Pvt Ltd.

SERVICES & Target Segments

PHASE 1 (JULY-DEC 2018)

PHASE 1

Online Credit Customer Report and Analysis • 25 Cities From

• Maharashtra,

• Gujarat
PHASE 2 • Madhya Pradesh
Simple Basic Accounting Services
• Andhra Pradesh

PHASE 2 (JAN-JUNE 2019)

• 250 Cities in India

PHASE 3

User App for ordering from the street vendors and online PHASE 3 (JULY-DEC 2019)

payments
• Pakistan, Bangladesh, Nepal, Sri
Lanka, Africa
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BiG Digital Accounting Pvt Ltd.

SHAREHOLDERS AND EXPANSION PLAN IN INDIA

INDIA COMPANY STAKE

20%

5%

BiG Business Advisors Pvt Ltd. India 75%

Investor I

Other Investor

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BiG Digital Accounting Pvt Ltd.

APP READINESS

§ EASY TO NAVIGATE
§ EASY TO SEARCH
§ EASY TO ADD CUSTOMER
§ EASY TO GENERATE
REPORTS

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BiG Digital Accounting Pvt Ltd.

CUSTOMER ACQUISITION STRATEGY

CUSTOMER ACQUISITION STRATEGY PRINT ADS:

•Newspaper
ü Low introductory Price for first three months Inserts / Leaflet
PUBLIC
RELATIONS: •Stickers
ü Client referral Programs
•Brochure
•Write-ups for •Poster OUTDOOR:
ü High End Sales Team Advertorials
•Hoarding
ü Campaigns and Promotions •Bus Panels
WEB/DIGITAL •Train Panels
ü Cost per click advertising
DESIGNING:
ü Tie up with popular Apps to increase visibility •Online
campaigns
ü Content Marketing (banners ads/e- ELECTRONIC:
mailers/e-
ü Other Marketing Channels •TVC’s-
newsletters) Concepts
•Social Media ideation /script
campaigns •Radio –
(Facebook,
Jingles/Ads/Spo
Twitter, Linked
nsorships
In)
scripts

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BiG Digital Accounting Pvt Ltd.

MARKETING CAMPAIGN

• Umbrella for Vendors

• T Shirts & Caps for Vendors
• Notepads / Tabs
• Cash back
• Glasses / Key Chains

Year 1 Year 2 Year 3 Year 4 Year 5

Umbrella 15,00,000 60,00,000 1,50,00,000 3,00,00,000 6,00,00,000

T Shirts 11,25,000 56,25,000 1,87,50,000 3,75,00,000 11,25,00,000
Caps 18,75,000 75,00,000 1,87,50,000 3,75,00,000 7,50,00,000
Key Chains 3,75,000 15,00,000 37,50,000 75,00,000 1,50,00,000
Notebook / Smart Phone - - - - -
PR 6,00,000 24,00,000 60,00,000 1,20,00,000 2,40,00,000
Misc 9,00,000 36,00,000 90,00,000 1,80,00,000 3,60,00,000

Total 63,75,000 2,66,25,000 7,12,50,000 14,25,00,000 32,25,00,000 21

 BiG Digital Accounting Pvt Ltd.

THANK YOU
UAE (Head Office)
BIG Strategic Management
FOR ANY FURTHER QUERIES AND INTEREST IN THIS Consultants FZC
INVESTMENT OPPORTUNITY # 806, Rose 6, TECOM,
Dubai, UAE
PLEASE CONTACT Contact No.: 00971 558803641

MAKARAND PATIL, CONSULTING DIRECTOR

Ghana
BIG Strategic Management
+91 95035 95444 / +971 55 880 3641
Consultants - West Africa
World Trade Center, 4th floor,
P O Box CT 8267 –
Cantonments, Accra, Ghana
Business Intelligence Group Contact No.: 00971 558803641

Spain
BIG Strategic Management
Consultants
Mazustegui 21- 3a entreplanta
802/803, Nirmal Corporate Center, LBS Road, Mulund West, Mumbai 80
izquierda 47806 Bilbao
Tel: 91-22-25918522 / 23
Vizcaya, Spain
E-mail id: consulting@big-consultants.com Tel: 0034 674155370
Website: www.big-consultants.com
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