Tear Sheet

This tear sheet showcases Osborne Saldanha's deep expertise in early-stage fintech, commerce, and logistics investments across India, highlighting a portfolio built through strategic engagement and community building. Understanding this curated list offers founders insights into investor focus and provides the ecosystem with a benchmark for successful early-stage company building.

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1

Fintech remains a core investment thesis, with significant opportunities in infrastructure for payments, banking, and personalized financial products catering to emerging markets, particularly India.

2

A diversified portfolio across sectors like commerce, health, and logistics, alongside financial services, demonstrates a strategic approach to capturing broader market growth and risk mitigation.

3

Success in early-stage investing requires deep market intelligence and active engagement with founders, as evidenced by the variety of "engagement types" like managed, advised, and exited, indicating value beyond just capital.

4

Building strong relationships and leveraging community platforms are crucial for sourcing and supporting promising startups, reflecting a long-term view on founder partnerships and ecosystem development.

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How to read the tearsheet: [Company name] - [about company] | [engagement type] • [sector] • [associated fund]

Companies Valued >$1bn

Slice - Simplest way for Indians to pay, borrow and invest | Managed • Fintech • EMVC

Companies Valued $100mn to $1bn

Kreditbee - Personal finance products for young professionals | Managed & Exited • Fintech • Xiaomi

M2P - Banking and payments infrastructure for emerging markets financial institutions | Invested & Managed • Fintech • EMVC

Simetrik - Accounts reconciliation and financial closing | Invested • Fintech • Personal

Jar - Savings and investments in digital gold for mass market India | Invested & Managed • Fintech • EMVC

Vance - Cross border payments for retail users | Advised • Fintech • Personal

Companies Valued $1mn to $100mn

Card91 - New-age card issuance infrastructure | Managed • Fintech • EMVC

Bureau - Identity management for verification and fraud prevention | Managed • Fintech • EMVC

Flash - Commerce enablement via unique shopping identity | Invested & Managed • Commerce • EMVC

Zipsure - General insurance company | Invested & Managed • Fintech • Tuscan Ventures

Clinikk - Health insurance and primary care subscription | Managed • Health • EMVC

Monnai - Consumer insights infrastructure across 500+ data sources for brands | Invested & Managed • Fintech • EMVC

Tartan - Payroll data infrastructure and employee benefits solutions | Invested & Managed • Fintech • EMVC

ColdStar Logistics - Long haul, temperature-controlled logistics | Managed • Logistics • Tuscan Ventures

Loantap - Personal finance products for salaried professionals | Invested & Managed • Fintech • Tuscan Ventures

Sanctum Wealth - Wealth management for HNI and UHNI’s | Invested & Managed • Fintech • Tuscan Ventures

Creditail - Supply chain payments and finance | Invested & Managed • Fintech • Personal

Mysa - Better banking and accounting for Indian startups | Invested & Managed • Fintech • EMVC

Shoffr - Ride hailing for scheduled rides | Invested & Managed • Consumer • Personal

Fund Investments

System Two Advisors - Cross border hedge fund | Invested & Managed • Hedge Fund • Tuscan Ventures

Paragon Partners - Consumer brands PE fund | Invested & Managed • Private Equity • Tuscan Ventures

Portfolio Hightlights

Core Focus: Fintech
Other areas: Commerce, Health, Logistics, Consumer, Hedge Fund, Private Equity
Investment Firms: Emphasis Ventures, Xiaomi and Tuscan Ventures
Engagement Types: invested, managed, exited, advised

The portfolio shows a strong focus on financial technology companies in India, with particular emphasis on payment systems, banking infrastructure, and personal finance solutions. There’s also strategic diversification into other sectors like healthcare, logistics, and consumer services.

Selected companies and information, as of Aug, 2024