Row Labels

*Bangalore
*Chandigarh
*Delhi
*Kolkata
Ahmedabad
Hyderabad
Mumbai
Pune
Grand Total

Sum of Ezyclic spend

2247880723
2159754677
2278885381
3240097584
3698957303
3432645216
5776072090
1676895338
24511188311

Budget
Ezyclic
rem
3698957303
3432645216
5776072090
1676895338
14584569946

allocation
allocation
allocation
allocation
total avlbl

2500000
500000
200000
50724
47072
79208
22995
200000

City
Ahmedabad
Chennai
Gurgaon
Guwahati
Hyderabad
Jaipur
Lucknow
Mumbai
Nagpur
Pune

No. of
Investors
48
31
25
21
46
20
16
60
20
31

Saturation
20.40%
14.10%
4.40%
15.30%
23.40%
3.70%
2.40%
35.40%
6%
22.10%

Parameter
Annual Card
Fee INR

Value

Discount Rate

2.60%

Loyalty Point
Cost

0.80%

Cost of Funds
Annual

5.00%

Cost of
contact for
card offer

Rs. 10

Card Product

Charge

Special
feature

Annual Fee
waived for 1st
yea

1000

13,200,000

Household
Size
3.9

Baseline
Spend
9,276

Spend with
EzyClic
11,131

18.79%

Unemployem
ent
4.00%

Response
Rate
3.10%

11,700,000

3.6

15,400

18,480

11.80%

4.10%

1.80%

Mumbai

16,000,000

10,828

210,600

12,994

13.18%

1.10%

3.20%

Pune

5,900,000

3.2

512,000

17,157

21,446

17.17%

2.40%

1.60%

Gurgaon

12,000,000

3.6

94,400

10,033

13,043

16.70%

0.95%

1.20%

144,000

Guwahati

4,034,000

4.3

Nagpur

7,800,000

4.6

6,453

8,389

13.13%

1.90%

3.00%

121,020

14,652

19,047

11.89%

2.10%

0.80%

Jaipur

8,320,000

5.1

62,400

2,360

3,068

37.82%

2.30%

3.10%

257,920

Lucknow

7,500,000

3.5

2,283

2,968

35.75%

0.60%

2.10%

157,500

Chennai
*Delhi

10,500,000

3.1

3,158

4,737

32.83%

3.20%

4.10%

430,500

7,700,000

5.2

6,453

7,743

13.13%

0.85%

4.40%

338,800

*Kolkata

8,600,000

5.5

18,284

22,855

25.07%

3.50%

2.20%

189,200

*Chandigarh

5,600,000

4.8

17,105

21,381

9.81%

2.60%

2.00%

112,000

*Bangalore

10,280,000

4.2

18,816

23,520

7.03%

2.10%

1.00%

102,800

*Cochin

7,001,000

3.8

9,517

14,275

25.86%

1.80%

1.00%

70,010

City

Population

Ahmedabad
Hyderabad

Attrition Rate

Respondents
409,200

Resp with
attrition
332,311

Basespend

Ezyclic spend

3,082,519,804

3,698,957,303

185,749

2,860,537,680

3,432,645,216

444,518

4,813,245,235

5,776,072,090

78,192

1,341,531,909

1,676,895,338

119,952

1,203,478,416

1,564,533,936

105,130

678,404,368

881,936,191

54,981

805,576,337

1,047,216,250

160,375

378,484,188

492,029,445

101,194

231,025,331

300,343,050

289,167

913,188,912

1,369,783,368

294,316

1,899,218,309

2,278,885,381

141,768

2,592,078,067

3,240,097,584

101,013

1,727,823,944

2,159,754,677

95,573

1,798,304,579

2,247,880,723

51,905

493,983,825

740,949,785

Budget
avlbl
Row Labels
*Bangalore
*Chandigarh
*Delhi
*Kolkata
Ahmedabad
Chennai
Gurgaon
Hyderabad
Mumbai
Pune
Grand Total

Sum of Ez&rds
2230289145
2147310910
2257878314
3077264952
3523058375
1077919315
1486633461
3402155154
5243528334
1673159902
26119197860

2230289145
2147310910
2257878314
3077264952
3523058375
1077919315
1486633461
3402155154
5243528334
1673159902

ezclic

1540678
1483357
2125766
I put some amout for ahmedabad

2350200

7500000
10857020161

9500000
7500000 not sure

1500000 RDS

amout for ahmedabad

500000

13,200,000

Household
Size
3.9

Baseline
Spend
9,276

Spend with
EzyClic
11,131

18.79%

Unemployem
ent
4.00%

Response
Rate
3.10%

11,700,000

3.6

15,400

18,480

11.80%

4.10%

1.80%

Mumbai

16,000,000

10,828

210,600

12,994

13.18%

1.10%

3.20%

Pune

5,900,000

3.2

512,000

17,157

21,446

17.17%

2.40%

1.60%

Gurgaon

12,000,000

3.6

94,400

10,033

13,043

16.70%

0.95%

1.20%

144,000

Guwahati

4,034,000

4.3

Nagpur

7,800,000

4.6

6,453

8,389

13.13%

1.90%

3.00%

121,020

14,652

19,047

11.89%

2.10%

0.80%

Jaipur

8,320,000

5.1

62,400

2,360

3,068

37.82%

2.30%

3.10%

257,920

Lucknow

7,500,000

3.5

2,283

2,968

35.75%

0.60%

2.10%

157,500

Chennai
*Delhi

10,500,000

3.1

3,158

4,737

32.83%

3.20%

4.10%

430,500

7,700,000

5.2

6,453

7,743

13.13%

0.85%

4.40%

338,800

*Kolkata

8,600,000

5.5

18,284

22,855

25.07%

3.50%

2.20%

189,200

*Chandigarh

5,600,000

4.8

17,105

21,381

9.81%

2.60%

2.00%

112,000

*Bangalore

10,280,000

4.2

18,816

23,520

7.03%

2.10%

1.00%

102,800

*Cochin

7,001,000

3.8

9,517

14,275

25.86%

1.80%

1.00%

70,010

City

Population

Ahmedabad
Hyderabad

Attrition Rate

Respondents
409,200

Resp with
attrition
332,311

Basespend

Ezyclic spend

3,082,519,804

3,698,957,303

Avg WO
Balance
18,837

185,749

2,860,537,680

3,432,645,216

17,842

62,000

1.23%

0.92%

40,763,888

30,490,062

444,518

4,813,245,235

5,776,072,090

22,477

96,000

7.62%

5.33%

761,347,734

532,543,756

Avg Income
59,000

Baseline Default Default Risk with writeoff with

Risk
RDS
default
3.75%
2.81%
234,740,563

writeoff with
RDS
175,898,928

78,192

1,341,531,909

1,676,895,338

22,749

93,000

0.23%

0.21%

4,091,191

3,735,436

119,952

1,203,478,416

1,564,533,936

13,308

115,000

6.10%

4.88%

97,375,594

77,900,475

105,130

678,404,368

881,936,191

17,844

110,000

0.44%

0.36%

8,254,141

6,753,388

54,981

805,576,337

1,047,216,250

21,314

95,000

7.51%

4.51%

88,006,488

52,850,767

160,375

378,484,188

492,029,445

12,019

83,000

2.43%

1.46%

46,839,295

28,142,128

101,194

231,025,331

300,343,050

13,891

89,000

0.62%

0.49%

8,715,231

6,887,844

289,167

913,188,912

1,369,783,368

12,825

90,000

8.28%

7.87%

307,069,170

291,864,054

294,316

1,899,218,309

2,278,885,381

17,844

114,000

0.44%

0.40%

23,107,774

21,007,067

141,768

2,592,078,067

3,240,097,584

14,576

121,000

9.27%

7.88%

191,555,647

162,832,632

101,013

1,727,823,944

2,159,754,677

24,638

95,000

0.55%

0.50%

13,688,144

12,443,767

95,573

1,798,304,579

2,247,880,723

23,008

64,000

0.94%

0.80%

20,670,104

17,591,578

51,905

493,983,825

740,949,785

17,419

102,000

8.11%

5.67%

73,325,787

51,264,761

Base

Base&rds

Ez&base def

Ez&rds

2,847,779,242

2,906,620,876

3,464,216,740

3,523,058,375

2,819,773,792

2,830,047,618

3,391,881,328

3,402,155,154

4,051,897,501

4,280,701,479

5,014,724,356

5,243,528,334

1,337,440,717

1,337,796,473

1,672,804,146

1,673,159,902

1,106,102,822

1,125,577,941

1,467,158,342

1,486,633,461

670,150,227

671,650,980

873,682,050

875,182,803

717,569,849

752,725,570

959,209,762

994,365,483

331,644,893

350,342,060

445,190,150

463,887,317

222,310,100

224,137,488

291,627,819

293,455,206

606,119,743

621,324,859

1,062,714,199

1,077,919,315

1,876,110,535

1,878,211,241

2,255,777,607

2,257,878,314

2,400,522,420

2,429,245,435

3,048,541,937

3,077,264,952

1,714,135,800

1,715,380,177

2,146,066,533

2,147,310,910

1,777,634,474

1,780,713,000

2,227,210,619

2,230,289,145

420,658,038

442,719,064

667,623,998

689,685,024