Presentation On New Product Development

Presented By:-
Akansha Srivastava
Management Trainee-Operations-AD-Allahabad
SAP ID- 23175498
 Driving Down Cost

• Cost is something that every organization that is working has to bear in one way or the other.

• But whenever the market sentiments are negative then the organizations actually start to feel the real

need for cutting the costs or as we say driving down the costs.

• But the most important part of driving down costs is driving it down the right way.
Driving down cost in our organization
Strategies for improving services
 New Product Development

•Product development is the process of designing, creating and marketing new products or services to
benefit customers.

•A competitive product development strategy should include a company-wide commitment to creating

items that fulfill particular consumer needs or characteristics.

•These characteristics might include consumers' desire for the following: products that are high-quality or
low-cost; products that provide the consumer with speed or flexibility; or products that offer some other
form of differentiation that posits them a desirable purchase.
Sakhi Shakti Loan- Judey Haath, Badhey Saath

SCHEME FOR BEAUTY PARLOURS /

BOUTIQUES / SALOONS / TAILORING BY
WOMEN
Loan Details-Scheme
• To develop entrepreneurship among women and ensure easy, timely and convenient
access to credit.
• It is a term loan for purchase of Equipments, furniture, fixture, tools for running day to
day activities.
• All the proprietary concerns of women or partnership firms where partners are women
are eligible for loan.
• Quantum of loan is upto 10 lakhs.
• Repayment is to be done within 5 years.
• Lien against Property (LAP) is to be done along with the papers of the immovable
property on which the business is to be setup upto 100% of loan value depending upon
the LTV of loan.
• Shop for Beauty Parlour/Computer Centre/Modern Kitchen : ( Rs 500000 ) Self Owned
• Equipments : Rs 2,00,000/-
• Interior Decoration : Rs 1,00,000/-
• Electrification : Rs 50000/-
• Assistance Personnel : Rs 30000/-
• Misc. Expenses : Rs 20000/-
• Total Expenditure : Rs 4,00,000/-

• Loan:85% of the total investment.

 IRR Slabs of our loan

Thr
ee
Sla
bs
of I
RR Interest Rate

7.3%-8.55%
 Features

•For assisting women to establish their own parlor.

•For purchase /construction of shop purchase of tools and equipment, meeting day to
day expenses of business.
•Tie up with cosmetic company for training of hirer.
•Loan repayment in maximum of 5 years
•Age of applicant min 20 years and max 50 years
 Features

•For assisting women to establish food catering unit for selling tiffin/lunch packs
•Nature of loan-Term Loan
•Age of applicant min 20 years and max 50 years
•Loan repayment in 5 years
Features

•To assist women to establish Child day care center, for purchase of utensils,
equipment etc
•Loan repayment in 5 years
•Age of applicant min 20 years and max 55 years.
Features

•To assist women to establish Computer center, for purchase of computer systems and
internet facilities.
•Loan repayment in 5 years
•Age of applicant min 20 years and max 55 years.
Viability of the Scheme
There are 4 schemes in the women empowerment loan, but I am taking Beauty Parlour loan as
a sample loan for explaining the viability of the loan.

Shop Self Owned: No Cost

Equipments: 2, 00,000/-
Interior Decoration: 1, 50,000/-
Assistance Personnel: 30,000/-
Miscellaneous Expenses: 20,000/-
Total Investment: 4, 00,000/-

Loan: 3, 40,000/-
IRR: 15% ROI: 8.3%
Tenure: 3 years
EMI: 11,796* 36= 4, 24,660/-
Emi for 1 month: 11,796/-

Average Earning Per Month: 1000* 30 = 30,000/-

Total Net Income: 19,000/-
This is an average calculation, in seasons of marriage this earning may very well go beyond 50,000 to 60,000 and then the
variable investment on beauty products will also be per quarter because generally the stock is purchased for 2-3 months
and therefore this project can be a great earning start for an independent woman with the help of our loan.
Documents Required

 Shop registry (On Lady’s Name)

 Voter ID/ Aadhar /PAN Card/Driving License
 Bank Passbook
 Cheque
 4 Photo
 Signature Verification
 2 Notary Stamp
 Product Market & Competition

• For women entrepreneurship loans there are various nationalized banks which are in the
market for the same:-
Vijaya Bank
Oriental Bank of Commerce
Bhartiya Mahila Bank
Corporation Bank
 Legal Aspects of this Product

•Legal Proceedings as like our normal loan agreement.

•In case of complete default our company can exercise right to set off in which the borrower will be
given a notice about the same with full particulars about the remaining claims and conditions under
which our company is entitled to retain the security till the claim is paid and all dues are settled.
Implementation Plan
Thank You for your time & attention !!!!

Akansha Srivastava
Management Trainee-Operations-AD
Allahabad