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<keyword id="2947589" type="UNKNOWN" weightage="20" keywordseo="Droom">Droom</keyword> has launched India’s first marketplace to get auto loan for used automobiles. <keyword id="4412414" type="UNKNOWN" weightage="20" keywordseo="Droom-Credit">Droom Credit</keyword> is end-to-end online and fully automated credit marketplace to get loan approval in 30 seconds with its own proprietary credit risk engine, unbeatable credit terms, paperless process, and fully automated work-flow management. The platform aims to capitalise on its world-class technological and data science capabilities to make the loan assessment process fully dynamic, hassle-free, and paperless to facilitate near-instant loans from lenders to borrowers. As part of the initiative, Droom has on-boarded BFSIs comprising commercial banks, <keyword id="6354598" type="ORGANIZATION" weightage="20" keywordseo="NBFCs">NBFCs</keyword>, and other financial entities with its initial service rollout. A proprietary algorithm-based credit risk management engine is used to power this consumer credit marketplace. <div type="embedgroup"> <div type="Article" hostid="261" msid="58163436" title="This is what will happen if Snapdeal gets acquired by Flipkart" rank="1.0" kind="RELATED" publishDate="Apr 13, 2017, 4:16 PM" mstype="2" mssubtype="0"></div></div>
 How does it work The platform conducts comprehensive loan assessment through its algorithm which computes multiple raw data points to analyse the creditworthiness of an applicant. This includes leveraging the India Stack i.e. Aadhaar, e-Sign and Digital Locker. The Marketplace also uses, PAN verification, credit score validation, income statement authentication, along with many other variables for objective, unbiased and instant credit evaluation. The proprietary algorithm comes up with an accurate credit decision within 30 seconds for 95% of the transactions. The decision also includes approximately 5% pre-approved applications that require further lender-side inspection. Thereupon, approved and pre-approved applicants are required to choose a lender with appropriate credit terms which comprise factors such as amount, duration, interest rates, and down payment. The application of the candidate is subsequently forwarded to the selected lender along with the assessment report.<div type="embedgroup"> <div type="Article" hostid="261" msid="58166464" title="BankBazaar data shows 126% increase in financial decisions online by women" rank="1.0" kind="RELATED" publishDate="Apr 13, 2017, 6:09 PM" mstype="2" mssubtype="0"></div></div>
 How does it help the lender Apart from the assessment report, Droom Credit comes equipped with Store Manager, a lender’s dashboard, raitngs and reviews, lender/buyer KYC and self-configurable credit risk panel . Store Manager grants higher flexibility and greater command to the lenders over the loan origination process. It allows lenders to modify profile settings, set credit terms, post document requirements, and set or manage credit risk profiles, along with other vital features. They can also override default algorithmic settings for all categories through the Store Manager. By doings so, lenders can set their own scores and weightages for their desired buckets. The platform will initially cater to automobile loans including used and new vehicles with a vision of becoming India’s most comprehensive, unbiased and independent way of acquiring instant loans. <div type="embedgroup"> <div type="Article" hostid="261" msid="58132345" title="Exclusive: Here’s what Google VP Rajan Anandan said about Jio’s Impact on the Telecom Sector" rank="1.0" kind="RELATED" publishDate="Apr 11, 2017, 8:55 PM" mstype="2" mssubtype="0"></div></div>
 Droom Credit gives buyers/borrowers the freedom to apply for loan anytime, anywhere using any device. There’s the flexibility to apply for a loan 24x7 not just following the traditional hours of 10 – 5. We keep user at the centre of everything, to ensure borrower and lender are equally benefited by this technological revolution. Lenders will no more have the headache of collecting the hard paper documentation, compiling files and explicitly checking the credit history.

Droom Launches Droom Credit – A Facility to get Auto Loan for Used Automobiles

New Delhi, Feb 19 () Automobile marketplace Droom on Wednesday said the company is confident of hitting profit by the end of this year, and said it plans to raise about USD 150 million before it launches an initial public offering (IPO) in 2021. Droom clocked a gross merchandise value of USD 1.2 billion on its platform with a net revenue of USD 32 million in 2019. Its platform processed over 6.1 lakh orders last year. "The plan has always been to take the IPO route and we have considered four options (Mumbai, US, Singapore and Hong Kong) and it will most probably be NASDAQ in the US. We appointed KPMG and Grant Thornton as auditors and also roped in Credit Suisse that is likely to take us to IPO as well," Droom founder and CEO Sandeep Aggarwal told . He added that the company will raise one more round of "pre-IPO" funding of about USD 150 million this year. Aggarwal said given that the US Department of Justice (DoJ) has dropped all charges against him pertaining to a previous insider trading case, there should be no issues with listing Droom in the US. The CEO said a civil settlement has been reached with the US Securities and Exchange Commission (SEC), while the US DoJ has dropped all charges against him pertaining to the case. He had been charged by the DOJ and sued by the SEC in July 2013, relating to events that took place in July 2009, when Aggarwal was a Wall Street analyst. "Both the matters have been resolved. The charges by DOJ have been dropped and dismissed. A civil penalty of USD 32,500 was levied by SEC, which I have paid. The bar on being associated with any investment advisor, broker and securities analysis -- which I quit long ago -- continues," Aggarwal said. Aggarwal, who founded Droom in April 2014, said the company is focussing on keeping its cash burn low and is confident of hitting profit by the end of the year. "Our cash burn is low. Unless we make some big investments that have not already been baked into estimates, we should be profitable by November this year," he said. He added that Droom expects to clock a gross merchandise value of about USD 3 billion and a net revenue of USD 120 million in 2021. The company has so far raised close to USD 125 million over six rounds of funding from investors like Lightbox, Beenext, Beenos, Digital Garage, Toyota Tsusho Corporation, and Integrated Assets Management. SR HRS

Droom aims to hit profit by year-end, to raise USD 150 mn before IPO

RateGain, Shriram, MapmyIndia and more — Check out the important dates of these upcoming IPOs and their grey market premiums

<ul><li>The monsoon session of the <keyword id="145182" type="ORGANIZATION" weightage="20" keywordseo="Indian-Parliament">Indian parliament</keyword> began on July 19 and is almost half way through.</li><li>Several pressing matters have been raised during this session regarding the COVID-19 situation, farmers' protest and more.</li><li>However, when faced with questions, the government has cited lack of data on at least four issues listed below.</li><li>The session is scheduled to close on August 13 and several other matters like Pegasus spyware are yet to be discussed.</li></ul>It has already been more than 10 days since the Indian parliament kicked off its monsoon session on July 19, 2021. Lot of important questions have been raised over several long hours of discussions and brawl, however, not all have been answered. From death due to oxygen shortage during the pandemic to cryptocurrency investments, these are the pressing issues for which the <keyword id="44734" type="ORGANIZATION" weightage="20" keywordseo="Indian-Government">Indian government</keyword> has simply slid past saying it has no data in hand. ‘No one died due to oxygen shortage’ If the first wave of COVID-19 brought Indian healthcare system to its knees, the second one was a blade on the neck. The South Asian country witnessed the worst healthcare crisis in its history, with people looking for hospital beds, oxygen cylinders and concentrators, COVID-19 medicines and other necessary equipment over Twitter. Many lost their lives in this struggle. However, Union Minister of State for Health and Family Welfare Bharati Pravin Pawar in the Rajya Sabha, a day after the monsoon session began,<a href="https://www.thehindu.com/news/national/parliament-proceedings-no-deaths-reported-due-to-lack-of-oxygen-health-ministry-tells-rajya-sabha/article35428791.ece"> said</a>, “no deaths due to lack of oxygen have been specifically reported by states/union territories’ during the second wave of COVID-19. This led to a nationwide outrage. ‘Farmers death, what?’ The farmers of <keyword id="3658" type="COUNTRY" weightage="20" keywordseo="India">India</keyword> took to streets in September 2020, after the government passed three farm acts. On 30 November 2020, an estimated crowd of 200,000 to 300,000 farmers were walking to the national capital of Delhi to make their voices heard. The protest went on for close to ten months, however the government has no data on how many people have lost their lives during this course. As per a press release issued by the Samyukt Kisan Morcha (Joint Farmers’ Force), a coalition of over 40 farmers’ unions, 537 farmers have died in the agitation till date. SKM has also updated the<a href="https://humancostoffarmersprotest.blogspot.com/2020/12/list-of-deaths-in-farmers-protest-at.html"> list of farmers</a> who have died during the protest since November 24 last year. However, the Minister of Agriculture and Farmers Welfare Narendra Singh Tomar, in the parliament, said that the government has no record of farmers having died or fallen ill during the protests. ‘Black money is white money painted in a different colour’ Indian Prime Minister Narendra Modi’s speech of 8 November 2016, while announcing the demonetisation of some currency notes, was a historical moment against black money in India. <div type="ExtQuote" text="“To break the grip of corruption and black money, we have decided that the five hundred rupee and thousand rupee currency notes presently in use will no longer be legal tender from midnight tonight, that is 8th November 2016. This means that these notes will not be acceptable for transactions from midnight onwards. The five hundred and thousand rupee notes hoarded by anti-national and anti-social elements will become just worthless pieces of paper.”" auname="— Narendra Modi, demonetisation speech of 2016."></div> He also highlighted the government passed a law 'The Black Money (Undisclosed Foreign Income and Assets) and Imposition of Tax Act, 2015', soon after taking over the office, for disclosure of foreign black money. The country had signed agreements with many countries, including the USA, to add provision for sharing banking information. Cut to 2021, there is no data available. The Minister of State for Finance, Pankaj Chaudhary, has informed that there is <a href="https://www.dnaindia.com/india/report-no-official-estimate-of-black-money-stashed-in-swiss-banks-centre-tells-parliament-2902569">no official </a>estimate of the amount of black money deposited in Swiss banks in the decade. According to data shared by Switzerland's central bank, Indian individuals and firms have deposited over CHF 2,554.7 million or<a href="https://scroll.in/latest/997838/indian-deposits-in-swiss-banks-rise-to-over-rs-20700-crore-highest-in-13-years"> ₹20,700 crore</a> in Swiss Banks in 2020. All of this may not be black money, but it’s a good data point to begin with. The Indian government, in 2019, said that it has an information sharing agreement with the Swiss authorities. Yet they have no data to show in 2021. ‘Cryptocurrency bill on the way, but no data yet’ Indian Finance Minister Nirmala Sitharaman informed the Rajya Sabha (Upper House) on July 27 that the government does not collect any information on the number of cryptocurrency exchanges and investors in India. It does sound fair, but not when the government of India has been pushing to <a href="https://www.businessinsider.in/cryptocurrency/news/indias-crypto-bill-is-unlikely-to-be-up-for-discussion-this-month-and-it-may-be-a-while-before-we-see-it-in-parliament/articleshow/84401863.cms">regulate cryptocurrency</a> in India since 2019. As per the <a href="https://www.moneycontrol.com/news/business/economy/no-information-collected-on-number-of-crypto-exchanges-and-investors-in-india-finance-minister-nirmala-sitharaman-7232611.html">data </a>shared by crypto exchanges, there are about 15 million Indian cryptocurrency investors, with holdings worth ₹15,000 crore ($2 billion) cumulatively. There are 350 startups that operate in the blockchain and crypto space, as per the crypto currency exchanges. Besides this, Sitharaman also mentioned that the government of India has no information on drug trafficking and money laundering that is being carried out through crypto exchanges. ‘No one dies due to manual scavenging’ No deaths have been reported due to manual scavenging in India over the last five years, the minister for Social Justice and Empowerment Ramdas Athawale said in the Rajya Sabha on <a href="https://thewire.in/government/centre-says-no-death-reported-due-to-manual-scavenging-activists-decry-govt-response">July 29</a>. If only, the ministry had thought of going through this year’s budget session thoroughly. Athawale, during his own speech during the budget session, highlighted<a href="https://www.thehindu.com/news/national/340-sewer-cleaning-deaths-in-past-5-years-government/article33732992.ece"> 340 people </a>died while cleaning sewers and septic tanks in the last five years till December 31, 2020. He also noted that 66,692 manual scavengers have been identified across the country. ‘Information on witnesses killed, turned hostile not maintained centrally’ The Minister of State for Home Affairs, Nityanand Rai, has informed the parliament that the government has no data of the cases where key witnesses were killed or turned hostile. “The Witness Protection Scheme, 2018 provides that the witness protection measures ordered shall be proportionate to the threat and shall be for a specific duration not exceeding three months at a time," Rai added. However, these cases are fairly common in India. In March 2021, the family and lawyers of the 19-year-old Dalit girl who was allegedly gang raped and murdered in Hathras in 2020, were <a href="https://www.ndtv.com/india-news/allahabad-high-court-on-threats-to-hathras-family-will-consider-shifting-trial-2395571#:~:text=The%20affidavit%20said%20that%20the,stated%20that%20it%20was%20%22evident">threatened </a>before the special court where the case was pending. ‘Hospital beds data not available’ The Minister of State for Health and Family Welfare, Dr. Bharati Pravin Pawar, informed that the government of India does not centrally maintain the data of hospital beds. This is majorly because health is a state subject, meaning it's up to the governments in states and union territories (UT) to increase the bed strength in their hospital. Despite this, Pawar shared that India has an isolation and ICU bed capacity of 18.21 lakh and 1.22 lakh, respectively. If the government had data on isolation and ICU beds, then the question remains why doesn’t it have information on hospital beds. ‘No data available for MSMEs that went under’ When the member of parliaments (MPs) asked the government for details on the number of micro, small and medium enterprises (MSMEs), which shut down during the pandemic. Instead of the data, the government listed the steps taken by the Reserve Bank of India (RBI) for extension and restructuring of credit. It even cited two surveys, which stated 88% of MSMEs were affected by the pandemic. ‘No data on deaths due to air pollution’ Minister of State for Environment, Forest And Climate Change Ashwini Kumar Choubey informed the parliament that they do not have any conclusive data to establish a direct correlation of death/disease exclusively due to air pollution. According to ‘States of India: The Global Burden of Disease Study 2019’ <a href="https://www.thehindu.com/news/national/17-million-deaths-in-india-were-attributable-to-air-pollution-in-2019-says-study/article33394600.ece">report</a>, nearly 1.7 million deaths in India were attributed to air pollution in 2019. This was 18% of the total deaths in the country. ‘No updates on how many lost jobs during second wave of COVID-19’ A few MPs asked the government for details on the number of casual or contractual employees who lost their jobs during the second wave of COVID-19. However, the government did not share any such details. Instead, it listed out several initiatives undertaken by the government to boost hiring. [This is a developing story. The article will be updated as the government shares more details about the lack of data in their repository.] SEE ALSO <a href="https://www.businessinsider.in/business/startups/news/droom-automobile-marketplace-raises-200-million-in-a-pre-ipo-round-at-unicorn-valuation/articleshow/84818567.cms">Automobile marketplace Droom is raising $200 million in a pre-IPO round at unicorn valuation</a> <a href="https://www.businessinsider.in/business/startups/news/the-whole-truth-a-healthy-packaged-food-brand-raises-6-million-from-sequoia-capital/articleshow/84815594.cms">The Whole Truth, a ‘healthy’ packaged food brand, raises $6 million to enter new categories</a> <a href="https://www.businessinsider.in/stock-market/news/rolex-rings-ipo-opens-on-july-28-and-closes-on-july-30-with-a-price-band-of-880-900/articleshow/84813639.cms">Rolex Rings IPO opens today with a price band of ₹880-900</a>

There are at least 10 hot issues in India that the government has no data for

Meet Hyderabad-based Hug Innovations and Gurgaon-based Fitso, winners of <keyword id="6354480" type="UNKNOWN" weightage="20" keywordseo="T-hub">T-hub</keyword>'s Global Mobile Challenge Nationals. They will now represent India at a larger Asia Pacific event in Singapore on the 20th January next year. This will be followed by the global event, the Mobile World Congress, in <keyword id="6355518" type="COMPANY" weightage="20" keywordseo="Barcelona">Barcelona</keyword> in February. 
 
Founded in 2015 by Naman Sharma, Saurabh Aggarwal, Rahool Sureka, Fitso is a fitness based mobile app striving to help individuals achieve their fitness goal, be it running, weight loss/gain, bodyweight training. In January this year, the startup has raised $2,00,000 in an angel round from Jugnoo founder – Smamar Singla, Grofers Ex-CTO and CEO of Droom. 
 
The brainchild of Raj Neravati, Hug Innovations, on the other hand, is a maker of gesture control enabled Hug Smartwatch which is capable of flying drones, navigating smart televisions, and controlling virtual reality-based applications through hand gestures. 
 The platforms of both the winning startups combine the power of wearable technology and health coaching services on the cloud. They get a sponsored ticket for the event to be held in Singapore, $500 worth of credits from <keyword id="3257059" type="UNKNOWN" weightage="20" keywordseo="digital-ocean">Digital Ocean</keyword> and a Smartron phone. 
 
Meanwhile, Growfitter, a B2B SAAS based platform for Fitness centres and a B2C Fitness discovery portal enabling customers to book real-time sessions, stood second in the challenge and get the opportunity to participate in the Singapore finals. They too won a Smartron phone along with $500 worth of credits from Digital Ocean. 
 On the basis of relevance, effectiveness, innovation, ability to scale and go-to-market strategy, these teams emerged as the best among 10 teams that were judged by a panel of expert jury members comprising of Sreekanth, Hyderabad Angels, Rajeev Menon, <keyword id="1919619" type="UNKNOWN" weightage="20" keywordseo="anthill">Anthill</keyword> Ventures, Srinivas Kollipara, Founder &amp; COO, T-Hub and Sri Pedhu of Powerhouse Ventures. 
 
Jay Krishnan, CEO, T-Hub says, “We are glad to have partnered with Anthill for The Global Mobile Challenge 2016 and are happy to announce Hug Innovations &amp; Fitso as the winner. It’s a great opportunity for them to network at a global level, explore opportunities and achieve scalability. It was, undoubtedly, a tough competition and we saw great innovations from all the participants. The competition gets even tougher on the road to the finale at Barcelona and we hope Hug Innovations &amp; Fitso succeed.” 
 
The winning team will also receive training, education and access to an international network of mentors, angel investors, venture capitalists and industry leaders.

Meet T-Hub's National Winners of Global Mobile Competition, who will represent India in the Asia Pacific Challenge in 2017

Here’s how the advertising and marketing industry reacted to Union Budget 2021

Some of the bigger start-up companies like <keyword id="541988" type="COMPANY" weightage="20" keywordseo="SnapDeal">Snapdeal</keyword>, <keyword id="6354742" type="COMPANY" weightage="20" keywordseo="Flipkart">Flipkart</keyword>, OYORooms etc are now opinion makers. Gone are their initial days of struggle. It’s the survival-of-the-fittest race now they want to win as opposed to some of the early stage start-ups, who are the ones reeling under real problems while facing huge challenges on the ground. 
 
We spoke to some of them and in no time, learnt some of the pertinent challenges. We thought it was best to let the government know what these new kids on the block seek from Mr Arun Jaitley’s upcoming Budget even though it’s just a week away. 
 
Some of the recommendations are real food for thought and therefore hard to ignore. Read on! 
 
Capital Float - Online lending platform 
 “The Prime Minister’s action plan on <keyword id="6362513" type="ORGANIZATION" weightage="20" keywordseo="Startups">startups</keyword> was the first step to aid the growth of the entrepreneurial ecosystem in India. We hope that the budget will lay the groundwork to create more opportunities for innovation in the startup sector especially in the Fintech space. We expect this Budget to bring parity between the NBFCs and other financial institutions and kick-start the SARFAESI measures, which has been the long standing demand of the NBFCs thereby bringing the regulatory framework in parity with banks,” says Sashank Rishyasringa and Gaurav Hinduja, Co-Founder, Capital Float. 
 
We believe that this budget would also look at providing monetary incentives under Skill India to small-scale entrepreneurs to help them impart specific training to unskilled labour and a flush of capital into the Technology Acquisition and Development Fund (TADF), meant to help business to acquire the requisite machinery and technology to expand their operations. Incremental steps promised in the Startup India initiative by the Prime Minister will need to become a reality which can in turn set the stage for something big, bold and a game-changer,” he adds. 
 
CUBE 26 – A Technology innovation firm 
 “This <keyword id="6360189" type="COMPANY" weightage="20" keywordseo="Union-Budget">Union Budget</keyword>, we expect the government to make patents simpler, and offer schemes and incentives that encourage startups to take risks. We also expect government to approach India’s smart devices market through supportive and encouraging regulations to expedite the ecosystem for smart device manufacturing. To promote Make in India, we believe that the government should offer subsidies on investments and incentives for Indian device manufacturers. This will help them to build a price advantage over the increasing international competition from brands. Also, reduction of import duties with an option to allow businesses to Make in India will be a welcome move. Digital literacy and mobile internet penetration in tier 2, tier 3 cities are other areas onto which we would like to see the Union Budget’s focus. Substantial funds should be allocated to develop a robust network infrastructure and realise the government's 'Digital India' mission,” says Saurav Kumar, CEO &amp; Co-founder. 
 
Grabhouse – Online portal for flats, PG, House for rent without broker 
 “PM Modi’s recent Startup India Standup India campaign has definitely heightened the aspirations of the Startup community and now everyone is pinning hopes on an equally encouraging union budget. We look forward to a startup friendly tax budget with reduced interference and easy access to capital. As proposed by <keyword id="6372077" type="CITY" weightage="20" keywordseo="Nasscom">NASSCOM</keyword>, removing angel tax and exempting startups from direct and indirect taxes will go a long way in assisting startups to get a foothold in the market. Most startups run on bootstrap funding initially and waiving off service tax for a period of 3 years will build the risk-taking ability for startups in their nascent stages. Another area which we are keen about is the <keyword id="6354553" type="COMPANY" weightage="20" keywordseo="real-estate">real estate</keyword> space, we would like to see the execution of initiatives like smart and connected cities which deploy technology at the heart of their existence. We have always believed that technology will be key to resolve India’s real estate issues and we hope this budget will help make this dream possible at a faster rate,” says Pankhuri Shrivastava, Co-Founder &amp; CMO. 
 
PaySe™ - Fintech start-up 
 “The government said in one of its communications to the Payment Council of India that merchants with more than 50% of their transactions done digitally could get a tax rebate or a 1-2% reduction in value-added tax on all electronic transactions. Consumers could get some <keyword id="6354751" type="COMPANY" weightage="20" keywordseo="Income-Tax">income tax</keyword> rebates if they showed a certain portion of their net expenses was incurred digitally. A similar initiative was implemented in South Korea and helped transform a predominantly cash nation. Success of the initiative in Korea was driven by the willingness of the government to allow various payment instruments including open, semi-closed and closed pre-paid instruments to be within the gambit of digital payment. A similar policy will help the merchants and consumers overcome the initial inertia”, says Ashutosh Pande, founder &amp; Chief Innovation officer of PaySe. 
 
Droom - Online marketplace to buy &amp; sell used cars, bikes, scooters, bicycles, aero planes 
 “Internet is an enabler of growth and visitor Highways should be simulated, similar to our rail and road infrastructure. Allocation of budget for creating a robust network of Internet connectivity across India is elementary. In the union budget we wish to see avenues of public private participation with telecom Operators. The same is the key to Internet growth; unless our telecom providers do not fuel our masses with bandwidth and affordability, Digital India would be a distant dream. Subsidy on smartphones is my next expectation, buying a smartphone is much easier than buying a desktop / laptop. The current Tier 2 and 3 cities and rural India thrives on these devices and smartphone reach will only make them stronger and smarter. It may give rise to evolution of many new Enterprises. Lastly, <keyword id="6354679" type="ORGANIZATION" weightage="20" keywordseo="GST">GST</keyword> would be a game changing reform, it will enable a country wide, single market with reduced transaction costs for businesses and controlled economic volatility,” says spokesperson, Sandeep Aggarwal, Founder and CEO. 
 
TravelKhana – Online portal to book meals onboard trains 
 
"Being an online platform to book meals especially while travelling by train, in this year’s budget, we expect the government to include only the transportation cost in the ticket. Other facilities like food, blankets, bedsheets, etc, should be kept as optional charges while booking tickets online or offline, even for the premium trains. There should be preferences to upgrade tickets based on the availability on paying an additional cost. Also, there needs to be a system to utilize the terabytes of data generated by the Railways everyday for upgrading functions like fuel &amp; energy costs, sources of delay in timings etc. For those who intend to create new startups, the Government must ensure that data is available to them and a separate railway startup policy should be announced as well," says Pushpinder Singh, CEO &amp; Co-founder. 
 
(Image credits: PTI)

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Meet T-Hub's National Winners of Global Mobile Competition, who will represent India in the Asia Pacific Challenge in 2017

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Here’s how the advertising and marketing industry reacted to Union Budget 2021

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