Emerald Finance Limited Company Profile: Products,Promoters and Clients

Emerald Finance Company Description

Emerald Finance Limited( formerly Emerald Leasing Finance and Investment Company Limited) is a dynamic association led by a different platoon committed to realizing the vision of getting a world- class finance company. We give a range of banking products and fiscal services, particularly to traditionally overlooked guests, through multiple delivery channels. Our operations are guided by principles of fidelity and trust, fostering enduring connections with each customer. This commitment remains at the heart of our success as one of India's foremost fiscal institutions.

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Q1. What are the Product and service offerings of Emerald Finance ?

Below is a deep insight into the core services that they offer:

1- Loans and Financing Solutions

• Personal Loans: Emerald Finance provides unsecured personal loans based on medical emergencies, traveling, home renovations, education, and so forth. These loans are executed to ensure that people have immediate access to cash without the need for any collateral.
• Business Loans: Targeted at small and medium-sized enterprises (SMEs), such loans are meant for business growth, cash flow management, or purchase of equipment. The company provides such terms because businesses need financial support for growth and expansion.
• Home Loans: An individual wishing to purchase a new home or an existing home but wishing to refinance the old loan can enjoy the various home loans that are available with Us at Emerald Finance, which have competitive rates and flexible repayment terms.
• Vehicle Loans: Be it personal cars, bikes, or even commercial vehicles such as trucks and buses, at Emerald Finance, we have loans that help purchase either new or second-hand vehicles with flexible repayment terms.
• Education Loans: In order to achieve their academic dreams, Education Loans assist students with tuition and their educational needs, such as books and other facilities with reasonable interest rates and neat repayment plans.
• Consumer Durables Loans: Individuals intending to acquire appliances or other property for long-term use can find financing options with Emerald Finance for such purposes as making the products easier to obtain.

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2- Investment Products

• Mutual Funds: According to the risk profile of short-term/specific needs investors, Emerald Finance provides a wide variety of fund options, including equity fund investments that carry the highest risk and debt fund investments that are less risky for long-term investors.
• Fixed Deposits (FD): For cautious investors who prefer to avoid risk, Emerald Finance provides a straightforward, fixed-return investment over a specific time frame that involves no risks thanks to fixed deposit plans, which also offer ease of liquidity and tax benefits.
• Bonds and Debentures: The present and future earnings can be generated by exploring avenues of investment in both government and corporate bonds with interest income stream from interest payments at regular intervals.
• Equity Investments: With a strategy that is designed towards long-term wealth accumulation, Emerald Finance assists customers in investing in the stock market by providing stock investment advice and strategy for well-balanced portfolios for capital appreciation.
• Real Estate Investment: Emerald Finance also supports its clients in making investments into both residential and commercial property through direct investment into real estate and project consultancy.

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3- Insurance Products

• Life Insurance: With Emerald Finance, the clients have several life insurance policies to choose from; these policies include term insurance, whole life policies, unit-linked policies, and many others to guarantee loved ones’ financial stability after an untoward event happens.
• Health Insurance: Individuals and families are under any of their health insurance policies; these policies cover medical emergencies, critical illnesses, hospitalization, and so much more.
• General Insurance: Such risks include those of everyday life, and to help clients cope with them, Emerald Finance also deals with insurance for non-life assets – car insurance, house insurance, travel insurance, etc which extends their client's risk management capabilities beyond all life policies.

4- Wealth Management & Advisory Services

• Financial Planning: With the Emerald group, one can always find a suitable retirement savings plan, a college education plan, and a well-organized tax plan, among other long-term financial plans.
• Portfolio Management: To high net worth individuals, High Net Worth Individuals, Emerald Finance offers customized portfolio management whereby appropriate investment strategies are devised for clients based on their set financial objectives and appetite for risk.
• Retirement Solutions: Many clients in Emerald Finance are able to have a retirement plan as there are pension plans and mutual funds that are designed for this.
• Tax Advisory: Emerald Finance’s team offers structured and knowledgeable tax advice that is aimed at wealth maximization and not just tax avoidance. It ensures clients remain compliant yet also have minimal tax exposure.

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5- Corporate and Business Services

• Corporate Finance: Working capital, term loans, trade financing, and any other funding for businesses for operation, growth, or product development are the types of assets provided by Emerald Finance.
• Treasury and Cash Management: The company’s cash management solutions can assist businesses in enhancing efficiency, liquidity management, and cash flow.
• Mergers and Acquisitions (M&A) Financing: The company offers mergers, acquisitions, and restructuring of companies, as well as advisory services, including valuation and due diligence services.
• Corporate Insurance: Several business insurance coverages have been configured, including group health insurance, employee benefits, and other business assets liability and property coverage to protect the assets and the workers of the business.

6- Digital Financial Services

• Online Investment Platforms: The company assists Emerald Finance customers in investing by purchasing shares online from the convenience of their homes. It also provides platforms for investment in mutual funds, stocks, bonds, and more.
• Robo-Advisory: Automated investment services in the form of robo-advisors are offered at the firm to its clients based on their risk profile and financial objectives to build diversified portfolios.
• Digital Loan Application: In order to be efficient, the underlying company provides its customers with an opportunity to apply for personal, home, and vehicle loans from the comfort of their homes through an online portal.
• Mobile Banking Services: Using the platform provided through their mobile banking app, customers are capable of performing a number of functions, including managing their accounts, making a loan payment, viewing the status of their investments, and various other operations offered by the bank from the convenience of their phones.

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7- Foreign Exchange & Remittances

• Foreign Exchange: Traveling individuals and businesses or those that carry out international trade can access Emerald Finance’s favorable currency exchange rates and services.
• Money Transfers: Sending and receiving money from abroad has been made easy by Emerald Finance’s quick, affordable, and reliable international transfer modes.

8- Financial Education and Literacy

• Workshops and Seminars: To enable people and enterprises to improve their financial literacy in areas such as investment, economic design, and taxation, the company hosts community educational activities like workshops, seminars, and webinars.
• Online Learning Resources: The company provides various online resources, including blogs, e-books, and videos. It helps customers understand the financial aspects of any product and make gleeful decisions.

9- Other Services

• Credit Scoring Systems Monitoring: Individuals can utilize Emerald Finance credit score monitoring tools, which will enable them to manage their scores over time and enhance their credit rating.
• Presenting Debt Managing Strategies: To people in debt, poverty is an illness, so Emerald Finance outlines guidance and mechanisms for dealing with and converting debts to clients so as to restore them to a stable financial future.

Q2. Who are the Promoters of Emerald Finance?

Anubha Aggarwal, Sheetal Aggarwal are the major shareholder of the company together holding 57% of the company. 

Q3. Who are the Clients of Emerald Finance? 

As of FY24 the Company has Onboarded 13 corporates for the EVAP product and is aiming to reach 100 by the end of FY25.  DSA business, business loans compromise a major chunk for companies revenue.

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