Company Overview

 Who We Are & What We Do

Paul Fincap Pvt. Ltd., a venture of Paul Group of Companies, founded in the year
2010 aims to serve the customers by providing them with fast and easy gold loan
services. To facilitate the service Paul Fincap has obtained a PPI license from
RBI.
Paul Merchants Ltd, the parent group of Paul Fincap Ltd. has been serving its
customers for the last two and a half decades through different services - Money
Transfer, Foreign Exchange, Travel & Insurance and allied financial products.
With its dedicated service, it has become a trusted and known brand amongst its
customers. Benefiting over 7 lakhs satisfied customers every month, it has always
been the company's endeavor to serve the needs of the customers in best way.
At Paul Fincap Pvt. Ltd, the objective of the company is to provide loan against
gold to its customers for meeting their financial requirements which may be
pertaining to business venture, medical treatment, education etc and using the
value of gold for the helping the common people by aiding them with liquid funds.
With Paul Fincap Ltd. gold loan services, it is easy for an individual to suffice
one’s financial requirement against his/her gold as the process of availing and
repaying the gold loan is easy, fast and simple. This is equally circumscribed in
the Company's corporate tagline, ’Easy to avail, Easy to repay’.

“Trifle neglect may breed great mischief – for want of a nail, the shoe was lost, for
want of a shoe the horse was lost, for want of a horse the rider was lost and for
want of a rider the battle was lost.” This ironically summarizes the need and
importance of good Corporate Governance as we cannot afford to let even a little
neglect happen. My idea of Corporate Governance rides upon key principles;
independence & objectivity in decision making process, transparency &
disclosures, fairness & integrity, Compliance & accountability, Customer
Supremacy and social responsibility. I strongly believe that a responsible business
house must have a self-regulating mechanism whereby it monitors and ensures its
continued support to law, ethical standards, environment protection and social
welfare. Whatever we do as a business house, our activities surely leave an impact
on all quarters of the Society and it becomes our sacred duty to embrace
responsibility for that impact. We earn from the society and we will be failing in
our duty if we don’t return our gratitude to the society.”

As a head of the Organization, I am always of this opinion that ethics and

business go together. By going a yard beyond the usually accepted prudence
norms, we can take a number of steps which can make the society a better living
place. The history of this country is replete with instances of big business houses
coming forward to assist the society in testing times. The trade & commerce
going all out to surpass its commercial targets and yet keeping a humane face,
ironically differentiates our country from rest of the world.

At PML, we are always up on our heels to do our bit to combat poverty, hunger,
unemployment, illiteracy, disease and environmental degradation. The
Management of PML has always focused on integrating these principles into
business processes. In this pursuit, we have reached out to even the remotest
parts of the country where presence of a business house not only helps people
with its commercial services but lends a lifeline to the society as a whole.
I look at the future and find PML steadfast on its vision to create value for all its
stakeholders and to do its best in building a better society.
  LOAN

 Paul Fincap offers easy loan against your gold helping you live your dreams and
fulfill your needs. The Paul Fincap gold loan service is not only easy and quick
but also benefitting as the loan is served to the customers against the market
value of gold at attractive and low interest rates.To facilitate the service Paul
Fincap has obtained a PPI license from RBI.


 Use your gold to avail Paul Fincap Gold Loan to fulfil your dreams and
requirements.
 Quick loan disbursal
 Minimum loan amount of Rs 1500 with no maximum limit
 Pre-payment option-without any penalty
 Minimal documentation
 In-house gold evaluation
 Best customer service with a shorter response time
 Safe custody for gold ornaments

BENEFITS

 Maximum value for gold

 No hidden charges
 No gold appraisal charges
 Easy Documentation
 Fast Processing
 No prepayment penalty
 Easy repayment options.
 Free insurance of your gold
 Maximum rate per Gram

PHOTO ID

 Voter /Election card

 Passport
 Pan card
 Driving License
 Govt. Id Proof
 Aadhar Card

ADDRESS PROOF

 Voter /Election card

 Passport
 Driving License
 Govt. Id Proof
 Aadhar Card

APPLICATIONS FOR GOLD LOAN WILL BE ACCEPTED FROM:

 Between 20-68 years of age

 Self-employed professionals/non-professionals/Salaried Individuals

Note: Please note that the loan is granted for Agricultural/Business/ personal
purposes. The loan amount cannot be used for purchase of Gold Coins, jewels,
land or other speculative purposes.
  PAUL MONEY

“Trifle neglect may breed great mischief – for want of a nail, the shoe was lost, for
want of a shoe the horse was lost, for want of a horse the rider was lost and for
want of a rider the battle was lost.” This ironically summarizes the need and
importance of good Corporate Governance as we cannot afford to let even a little
neglect happen. My idea of Corporate Governance rides upon key principles;
independence & objectivity in decision making process, transparency &
disclosures, fairness & integrity, Compliance & accountability, Customer
Supremacy and social responsibility. I strongly believe that a responsible business
house must have a self-regulating mechanism whereby it monitors and ensures its
continued support to law, ethical standards, environment protection and social
welfare. Whatever we do as a business house, our activities surely leave an impact
on all quarters of the Society and it becomes our sacred duty to embrace
responsibility for that impact. We earn from the society and we will be failing in
our duty if we don’t return our gratitude to the society.”

As a head of the Organization, I am always of this opinion that ethics and

business go together. By going a yard beyond the usually accepted prudence
norms, we can take a number of steps which can make the society a better living
place. The history of this country is replete with instances of big business houses
coming forward to assist the society in testing times. The trade & commerce
going all out to surpass its commercial targets and yet keeping a Humane face,
ironically differentiates our country from rest of the world.

At PML, we are always up on our heels to do our bit to combat poverty, hunger,
unemployment, illiteracy, disease and environmental degradation. The
Management of PML has always focused on integrating these principles into
business processes. In this pursuit, we have reached out to even the remotest
parts of the country where presence of a business house not only helps people
with its commercial services but lends a lifeline to the society as a whole.

I look at the future and find PML steadfast on its vision to create value for all its
stakeholders and to do its best in building a better society.

OUR BRANCHES

BRANCHES

Paul Fincap Pvt. Ltd. , a venture of Paul Group of Companies,founded in the year
2010 aims to serve the customers by providing them with fast and easy gold loan
services. To facilitate the service Paul Fincap has obtained a PPI license from
RBI.

 OUR SERVICES

 INTERNATIONAL (INWARDS) MONEY TRANSFER

Indians living abroad may send money to their family members living in India
through International Money Transfer Services. For this purpose, Western
Union Money Transfer Services Inc, USA is the world leader in providing fastest,
safest and reliable money transfer services. Western Union has been in existence
since 1871 and is a fortune 500 multinational company with corpus of over USD 5
Billion, presence in more than 200 countries with more than 4,00,000 locations in
its fold.
Paul Merchants Limited(PML) had joined hands with Western Union in the year
1998 and was the last primary agent in private sector to join Western Union for
providing international money transfer services in India. For this purpose the
Company holds a license issued by Reserve Bank of India. In a short span of time
PML surpassed all other Primary Agents in terms of business and as of now is
boasting of around 650 own offices and more than 18000 franchisee locations
located across the length and breadth of country.

Over the years Paul Merchants Ltd. has emerged as the biggest Primary Agent of
Western Union in whole of South Asia and is gaining more and more strength in
terms of network growth with every passing day. There is a PML franchisee in
every nook and corner of the country and PML's own offices are located in every
big city of the country. So if you intend to send money to someone in India then
make sure you do it through Western Union Money Transfer to Paul merchants
for disbursement.

 POS MACHINES
  SAFE:

A person in India can receive money in just minutes after his sender has sent
money from Abroad.Each transaction is electronically remitted through Western
Union central server and is generated through a software which is absolutely safe
and easy to use. Robust security features are inbuilt. The documentation and
payment process has been designed in a way to ensure that the payment is made
only to the actual receiver. For this purpose all the locations of Paul Merchants
Limited have been geared with all state of the art infra structure to provide timely
and safe services to the customer.

 EASY:

For receiving money in India a customer has to fil up a very simple form which is
called To Receive Money (TRM) Form. This form contains basic information
relating to the transaction like MTCN no.name of the receiver, name of the
sender, amount, country etc. which any person having elementary education can
also fill up. Otherwise, our Front Office Executive can also help the customer to
fill up the TRM. Further, to receive money , a person do not need to open a bank
account if his transaction is less than Rs. 50,000/-. Payment in those cases is
made in cash. The Receiver will be required to present a proper photo
identification for any transaction and will be paid immediately. This way Paul
Merchants and Western Union are much more convenient than any Bank.

 LEGAL:

Money Transfer services in India are being provided by Paul Merchants in

association with Western Union as per the license issued by Reserve Bank of
India. The conditions prescribed by RBI in this regard are strictly adhered to by
 the Company and its entire network all Anti Money Laundering laws, KYC
norms and other regulations are duly complied with.

WHY USE PAUL MERCHANTS MONEY TRANSFER SERVICE?

 Reserve Bank of India certified
 Powered by Western Union, leading brand in money transfer services
 Instant Money Transfers
 Money transferred to beneficiary within 24hrs for Domestic Money Transfers
 Faster and secured money transfer solutions.

 TRAVELER CHEQUE

As businesses are growing global, foreign exchange services are fast becoming
widely evident across various segments. Be it for travelling abroad, or for sending
money for your child’s education, people need foreign exchange solutions at
competitive rates and in the quickest way. As a leading foreign exchange provider
in India, Paul Merchants provides complete transparency in all the types of
transactions through a trusted network.

Even if you have to send money abroad, we offer ultimate comfort and
convenience to remit money. Backed by our number of partner banks in most
parts of the world, you can send money abroad in the most secured way.

So, whenever you plan to visit any country overseas for pleasure or business or
need to send money to your children studying abroad, or go for medical check-
up/treatment to an overseas hospital or pay medical bills for any of your
relatives, you can rely on the forex services offered by Paul Merchants Ltd
 WE OFFER EXCHANGE SERVICES IN THE FORM OF :

 Currency Notes
 Traveler Cheques
 Travel Cards
 Outward Remittance
 Foreign Currency Draft

 CURRENCY NOTES

An ideal choice for an ideal currency will certainly be of an ideal destination

country. Paul Merchants offers currency notes in all major currencies of different
denominations. Paul Merchants has proved themselves as the best company
offering the best currency rates for selling or buying foreign currency. It’s the
best mode to carry foreign currency for your everyday needs when travelling
abroad, however the amount of foreign currency which you are eligible to carry
with you is subject to RBI regulations.

TRAVELER CHEQUE

As businesses are growing global, foreign exchange services are fast becoming
widely evident across various segments. Be it for travelling abroad, or for sending
money for your child’s education, people need foreign exchange solutions at
competitive rates and in the quickest way. As a leading foreign exchange provider
in India, Paul Merchants provides complete transparency in all the types of
transactions through a trusted network.
Even if you have to send money abroad, we offer ultimate comfort and
convenience to remit money. Backed by our number of partner banks in most
parts of the world, you can send money abroad in the most secured way.

So, whenever you plan to visit any country overseas for pleasure or business or
need to send money to your children studying abroad, or go for medical check-
up/treatment to an overseas hospital or pay medical bills for any of your
relatives, you can rely on the forex services offered by Paul Merchants Ltd

WE OFFER EXCHANGE SERVICES IN THE FORM OF:

Currency Notes

Traveler Cheques

Travel Cards

Outward Remittance

Foreign Currency Draft

CURRENCY NOTES

An ideal choice for an ideal currency will certainly be of an ideal destination

country. Paul Merchants offers currency notes in all major currencies of different
denominations. Paul Merchants has proved themselves as the best company
offering the best currency rates for selling or buying foreign currency. It’s the
best mode to carry foreign currency for your everyday needs when travelling
abroad, however the amount of foreign currency which you are eligible to carry
with you is subject to RBI regulations.

TRAVELER CHEQUES

The finest range for choosing the travelers cheque would surely be based on the
selection of a destination country. In particular, travelers cheques can be availed
in form of US Dollars, Sterling Pounds, Euros, Australian Dollars, Canadian
Dollars, Japanese Yen, Swiss Francs .In case, you choose a country that does not
have traveller cheques, then go for traveller cheques for US Dollar as it is second
best choice or just opt for a Travel Card. Just like cash, one can save all travellers
cheques which are not being spent anywhere and can be used anytime in future as
they do not have any expiry date. Therefore, these traveller cheques should be
treated exactly same as cash. It can be used at hotels, shops or any other
establishment. It’s a secured and easy to use when travelling abroad. You can an
save the unspent money for the future trips or the same can be en-cashed from
any of the branches.(Please refer to the FEMA guidelines as prescribed by RBI on
the amount and period for encashment of Forex on Return)

BRANDS

Paul Merchants is one of the top sellers of American Express Travelers cheques
in India. However, individual choice particularly depends on a particular travel
destination.

ENCASHMENT

Once a person comes back from the trip, he can convert traveller cheques into
cash at the principal rates. In case, a person misplaces traveller cheques, he should
immediately contact an issuing office in the locality and within 24 hours, he has to
inform the police and obtain the FIR from them.

REFUND

In case, you find that a traveller cheque is misplaced or stolen somewhere, the
issuer agency will refund the face value of the cheques provided to you, subject to
your following the prescribed process in this regard.

BEFORE LOSS

* When you receive the traveller cheques from the issuing agency, instantly upon
receipt, sign each and every cheque on the column for “Signature of the Holder”,
but make sure to not to countersign any of these cheques.

* You should protect every cheque from theft or loss same way as you protect
your cash.

* You should not use these cheques as a collateral security.

AFTER LOSS

* It is mandatory to inform the issuer about the theft or loss of the traveller
cheques within a day or 24 hours, and also give the police complete details about
the circumstances how this incident took place and get a report that should have
reasonable information.

* While claiming the refund for a theft or misplaced traveller cheque, you have to
provide a valid ID proof and the copy of purchase receipt of the PAFF.

* You have to provide prescribed documents for refund claim with complete
satisfaction and attest them in full faith.
* You should give your full support during investigation procedure of the theft or
loss of cheques, and also in ultimate prosecution as well.

Though, the issuing agency holds the right to make any kind of refund and effort
is made to ensure processing of the refund at the earliest possible, it is not
answerable for any kind of expense or loss raised on any account. Except it, the
issuer will not refund these cheques, in case they are being confiscated or seized
by government, revenue, customs, state, military, police or any kind of such
personnel or officials. The issuing agency would not be indebted to pause the
payment of these cheques at any cause.

TRAVEL CARDS

Travel Cards are prepaid foreign currency cards that help you travel abroad
conveniently without worrying about money. It gives you an advantage to travel
cashless and is an alternative to currency notes and travelers cheques.

GLOBAL CURRENCY CARDS – Multi-currency Travel Cards

Paul Merchants’ Global Currency Cards co-powered by Axis Bank are the White
Labelled Multi Currency cards that allow travellers to use funds across 15
currency wallets and save the cross currency charges when on their trips to
foreign countries. USD, EUR, GBP, SGD, AUD, CAD, JPY, CHF, SEK, AED,
SAR, THB , NZD, HKD, and ZAR can be loaded at once for your travel across
the world.

OUTWARD REMITTANCES/ WIRE TRANSFERS

Outward Remittances or more commonly called SWIFT Transfers is the easiest

and most common way of sending funds overseas. Paul Merchants Ltd. provides
hassle –free outward remittance facility at the best rates with minimum charges
and complete transparency and convenience. The outward remittance
facility/SWIFT Transfers are available in all major currencies across the globe.

FOREIGN CURRENCY DRAFTS

In a way to provide one stop solutions to its customers, Paul Merchants Ltd has
partnered with few banks to issue Foreign Currency Drafts to its customers.
Customers can avail Foreign Currency Drafts over the counters through our
branches.

TRAVEL CARDS

Travel Cards are prepaid foreign currency cards that help you travel abroad
conveniently without worrying about money. It gives you an advantage to travel
cashless and is an alternative to currency notes and travelers cheques.

GLOBAL CURRENCY CARDS – Multi-currency Travel Cards

Paul Merchants’ Global Currency Cards co-powered by Axis Bank are the White
Labelled Multi Currency cards that allow travellers to use funds across 15
currency wallets and save the cross currency charges when on their trips to
foreign countries. USD, EUR, GBP, SGD, AUD, CAD, JPY, CHF, SEK, AED,
SAR, THB , NZD, HKD, and ZAR can be loaded at once for your travel across
the world.

OUTWARD REMITTANCES/ WIRE TRANSFERS

Outward Remittances or more commonly called SWIFT Transfers is the easiest

and most common way of sending funds overseas. Paul Merchants Ltd. provides
hassle –free outward remittance facility at the best rates with minimum charges
and complete transparency and convenience. The outward remittance
facility/SWIFT Transfers are available in all major currencies across the globe.

FOREIGN CURRENCY DRAFTS

In a way to provide one stop solutions to its customers, Paul Merchants Ltd has
partnered with few banks to issue Foreign Currency Drafts to its customers.
Customers can avail Foreign Currency Drafts over the counters through our
branches.

TRAVEL

PML Holidays ,the travel division of Paul Merchants is a leading and reputed
travel management company. Established in 2007,the company has exapnded it’s
operational travel domains enabling customers availing wide range of travel
services . Paul Merchants Travel Division holds IATA accreditation for
conducting International air ticketing services. For International tours , it has
obtained coveted membership of American Society of Travel Agents (ASTA)
which is world's largest association of travel professionals. Paul Merchants
Travel Division has also acquired the membership of GTA (Gullivers Travel
Associates), Switzerland, Tourico USA, Travco UK and Kobra Switzerland.It has
also acquired PSA of EURAIL, making it possible to book rail tickets in Europe
online from its offices.

With accreditations from reputed Travel Associations, the company is

empowered with friendly assistance of major travel players and thus offers
premium and standard services at competitive rates.

The principal services offered by the company are:

 AIR TICKETING

Explain your requirement of booking a ticket and we can get it booked for
you.We have tie ups with almost all the airlines across the globe , enabling us to
offer tickets be it a national tour or an international trip. You can book tickets
based on travel duration, rates and offers or airline , all we guarantee is a hassle
free ticket booking at best rates.

HOTEL ACCOMMODATION

We provide complete assistance in booking the best hotel accommodates in most

of the popular touring locations. At attractive prices and top notch amenities, our
aligned hotel accommodations offer supremely comfortable experience as long as
you stay.

BUSES

If you wish to tour around the destination, we can book special bus tours to make
your trip a thrilling ride. We have allied with some of the most preferred tourists’
bus services in most of the popular destinations to spruce up your travel
experience at attractive rates. Even if you are up for business travel, we have
allied with some selective taxi services to give you affordable rides to meet your
traveling needs.

HOLIDAY PACKAGE

You can choose the best location within India and abroad through our exclusive
holiday packages. Perfectly priced, these holiday packages offer a wide range of
tours with essential sightseeing and other popular activities, hotel
accommodations, food, spa etc. Personalized to meet your coveted tastes and
preferences, our holiday packages also offer irresistible holiday deals to provide
unparalleled experience.

TRAVEL INSURANCE

As you travel abroad, we ensure that you get best travel insurance cover in case
of any unwarranted medical and non-medical emergency. You can choose any of
the best travel insurance packages to make your overseas journey safe and
secured against any unforeseen situation. Be it for leisure or for business, we have
the best plans that suit your traveling needs at unbelievably comfortable cost.

DOMESTIC MONEY TRANSFER

Our direct money transfer service offers a convenient and cost effective solution
to send money to any bank account anywhere in India for personal purpose.

Paul Fincap Pvt. Ltd., a group Company of Paul merchants has acquired a PPI
license from RBI by virtue of which it can operate as a Payment System for
issuance of semi closed prepaid instruments under RBI guidelines. The system of
the Company is well devised to ensure a safe and secured money transfer to the
designated bank accounts of the beneficiaries across the country. Our direct
money transfer facility lets you enjoy transfer of money from remitter to the
beneficiary through Intra bank (home bank), Inter bank (NEFT) and IMPS
facility, without consuming much time.

Our premier services are readily available in over 300 own outlets widely spread
in various cities, and we intend to grow our reach in the times to come by offering
the services through our agent locations spread across the geography of the
country. We patiently assist all walk-in customers to successfully transfer money
 online, even if they don’t have any bank account, to any other bank account in
India. Our skilled and well trained customer associates understand customers’
anxiety and urgency when it comes to online money transfer. Henceforth we
invest our best IT resources and capabilities to develop a secure money transfer
system to safeguard customer interests. As and when the need arises, we stretch
our customer services beyond the regular banking hours. Our fast and reliable
direct money transfer services eliminate every minute scope of delay or customer
discontent. It’s our constant endeavour to improve direct money services to
achieve complete customer satisfaction.
WHY USE PAUL MONEY DOMESTIC MONEY TRANSFER SERVICE?
 Reserve Bank of India certified
 Safe and quick money transfer solutions.
 Flexible and extended business service timings.
 Money transferred to the beneficiary bank account instantly.
 Best practice client services.
 Customer satisfaction being other ultimate objective
 Extremely cost effective

BUSINESS PAYMENT SOLUTIONS

BUYING & SELLING OF ALL MAJOR CURRENCIES

WUBS enables companies of all sizes to send cross-border payments and manage
foreign exchange . With long expertise in moving funds around the globe, access
to over 135 currencies and a global financial network spanning over 200
countries, we help companies spend less time managing international financial
transactions, and more time growing their businesses. With extensive experience
 working with clients in a variety of sectors, we offer customized solutions for
legal, financial and educational institutions.

Following the acquisitions of Travelex Global Business Payments, WUBS will

become one of the world’s leading providers of cross-border business payments.
WUBS operates through locally licensed affiliates in over 18 countries. With over
140 years of experience in moving money, we understand the importance of
speed, accuracy and reliability. Our solutions are tailored to how you would like
to work – booking payments at your convenience without going to the bank and
avoiding unnecessary fees.

WHY WILL SOMEONE USE WUBS ?

 Free relationship management , with door-step service delivery to the importer.
 Competitive transaction fee and foreign exchange rates
 Email notifications to remitter and beneficiary on transaction booking – first of
it’s kind.
 Clear communication of all charges upfront.
 Get professional advice for managing accounts and foreign exchange.
 Complete visibility into transaction processing status.
 Fast and reliable payment

WHO SHOULD USE WUBS?

 Importers expecting better service delivery, relationship management, speed and
reliability
 Importers whose payments are reaching their exporters with a delay.
 Importers who are dissatisfied from current service on Trade Transactions
 Importes who need confirmation of their funds (e-mail notifications)
 Instant Rate Confirmation

ENJOY HASSLE FREE INTERNATIONAL CALLING

If you are a frequent traveller to different parts of the world, then Paul Merchants
has something very unique to offer – Talk More international roaming cards.
Make your international travel convenient than ever before, with these calling
cards for you perpetual calling needs while abroad. We offer finest and aptly
priced international roaming cards to keep you connected with your loved ones
sitting miles away.

CONVENIENCE

With Talk More, if someone is calling you on your international numbers, the
incoming call is diverted to your Indian number, almost hassle free.

 You get a lifetime international roaming number that works in 200 countries with
incoming free in 100 countries.
 A lifetime validity with no rental charges
 Easy tracking of the usage on real time basis; through the online account
provided. You can track the usage by accessing your account through your mobile
number and a secret PIN provided to check all the international calling details.

AFFORDABLE

If you are a frequent traveller to different parts of the world, then it’s a must have
roaming card to enjoy top notch calling services at cheap prices. You can call back
in your home country at exceptionally low calling rates.
 Call back to India from any corner of the world at only 4 INR.
 Enjoy free incoming calls on international roaming in 100 Countries.
 You can enjoy unlimited free incoming calls through Wi-Fi calling facility across
the globe and outgoing calls as low as 2 INR.

UNMATCHED QUALITY

This international card offers exceptional calling quality across the globe.
Irrespective of your traveling destination, the unparalleled international calling
will impress you abound.

ATTRACTIVE PLANS

Get best plans for Talk More – International SIM card; plans that fit your calling
needs. So no more worries for huge bills as Talk More empowers you to talk
incessantly .You can also recharge it with any amount as and when required to
enjoy uninterrupted calling. Buying packs and recharge plans can be through the
online account or through our call centre, or through any of our branches or
retail network across India.

SUPPORT 24*7

Talk More has set up a call centre in Ahmedabad to provide round the clock
technical assistance to all the customers. For any issue, you can reach out to the
customer specialists at any time in the day.

For more information and enquiries customers can call the call centre at +91
7932455091 or +91 7932455092 Write an e mail to info@talk-more.in or visit
www.talk-more.in Talk More’s coveted travel features marked with competitive
rates beat the best among the international roaming service providers. Next time,
you plan a trip with family or for business; purchase our international SIM card
to enjoy smooth connectivity with your loved ones at unbeatable rates. With so
many benefits packed in one international SIM card, you surely can’t miss
traveling with it.