📘 Business Plan: Subhayani Fincare Private Limited

Subhayani Fincare Private Limited is a private company registered in West Bengal with a focus on providing auxiliary financial services. We aim to bridge the gap between underserved individuals and formal financial systems by offering support services like financial education, credit facilitation, business advisory, and digital financial solutions. Our broader vision includes empowering low-income households, micro-entrepreneurs, and women through access to financial literacy and sustainable support services.

2. Company Overview

• Name: Subhayani Fincare Private Limited
• Incorporated: 29 April 2025
• Head Office: Raiganj, North Dinajpur, West Bengal
• Legal Structure: Private Limited Company
• CIN (To be issued post registration)
• Authorized Capital: ₹1,00,000 (10,000 equity shares @ ₹10 each)
• Founders: Subhagya Paul & Dipak Paul

3. Vision & Mission

• Vision:
  To become a trusted financial support platform for economically marginalized groups, especially women and rural entrepreneurs.
• Mission:
  To deliver ethical, transparent, and inclusive financial auxiliary services through innovative technology and community-driven models.

4. Objectives (First 3 Years)

• Launch pilot operations in North Bengal within 6 months.
• Reach 5,000+ clients with at least 60% being women by Year 3.
• Develop digital platforms for credit advisory, financial literacy, and documentation support.
• Establish partnerships with NBFCs, MFIs, and cooperative banks.

5. Core Services

a. Financial Advisory & Support

• Helping individuals and small businesses access loans from financial institutions.
• Credit score building support and documentation assistance.

b. Financial Literacy & Training

• Workshops and programs to educate people about saving, credit, investment, insurance, and digital banking.

c. Tech-enabled Solutions

• Developing mobile-friendly portals for financial tracking, loan applications, repayment reminders, etc.

d. Women & Youth Empowerment Programs

• Special initiatives for self-help groups (SHGs), young entrepreneurs, and homemakers.

6. Market Analysis

a. Target Market

• Rural and semi-urban individuals with low financial inclusion.
• Small business owners needing advisory for credit access.
• SHGs, local artisans, and first-time entrepreneurs.

b. Industry Trend

• India’s financial inclusion drive post-Jan Dhan Yojana and the rise of fintech in Tier 2–4 cities make auxiliary services highly relevant.

c. Competitive Advantage

• Deep local reach and trust through community presence.
• Hybrid model: On-ground + Digital services.
• Founder-driven social mission with strong grassroots understanding.

7. Marketing Strategy

• Community Workshops: In local language with real-life examples.
• Digital Campaigns: WhatsApp groups, local influencers, and YouTube videos.
• Partnerships: With NGOs, microfinance institutions, SHG federations.
• Referral Programs: Incentives for clients bringing in new members.

8. Operations Plan

• Year 1: Set up office, hire 3–5 field agents, start Raiganj & Siliguri pilot.
• Year 2: Expand into 2 more districts, build mobile platform prototype.
• Year 3: Launch app, build financial partner network, reach 5K+ users.

9. Financial Plan (Projected)

(Based on advisory fees, partnerships, training grants, and digital service subscriptions)

10. Funding Requirements

• Initial Requirement: ₹70 lakhs
• Use of Funds:
  • Infrastructure & office setup
  • Technology development
  • Marketing & outreach
  • Talent recruitment

11. Team Structure

• Subhagya Paul – Founder & Director (Business Strategy, Social Outreach)
• Dipak Paul – Co-founder (Operations & Administration)
• Future hires: Field Officers, Digital Support Officer, Finance Manager

12. Exit Strategy / Long-Term Growth

Explore public-private partnerships or CSR support for scale.

Expand to other states with a franchise or branch model.

Potential merger or acquisition by NBFC/Fintech firm.