Onelife Capital Advisors Ltd Management Discussions

Management Discussion & Analysis Report Onelife Capital Advisors Limited Fiscal Year 2024 25

This Management Discussion & Analysis (MD&A) report provides a detailed overview of the global and Indian economy, industry trends, and the performance of Onelife Capital Advisors Limited (OCAL). It outlines our strategic direction, opportunities, risks, and initiatives to drive long-term value creation for stakeholders. The document has been prepared with a forward-looking perspective, reflecting the Companys vision of becoming a technology-driven, diversified financial services and advisory platform.

The global economy in FY 2024 25 navigated through significant changes, shaped by persistent inflationary pressures, geopolitical conflicts, evolving trade dynamics, and the rapid rise of technology-driven solutions. While inflation eased in several advanced economies, central banks maintained relatively high interest rates to stabilize prices, which slowed demand across both developed and developing regions.

World trade remained constrained due to supply chain bottlenecks, regional conflicts, and shifting trade alliances. Energy and commodity prices showed moderate stability, yet risks from climate change, policy shifts, and geopolitical uncertainty kept investors cautious. Against this backdrop, emerging markets particularly in Asia demonstrated resilience supported by domestic consumption, reforms, and increased adoption of digital technology.

Sustainability, clean energy investments, and digital transformation emerged as global growth engines. Businesses are increasingly reliant on financial advisors who can not only secure funding but also provide guidance in navigating regulations, competitive pressures, and complex deal structures. For OCAL, this global backdrop reinforces our role as a trusted partner enabling businesses to access capital, pursue acquisitions, and unlock sustainable growth.

India continued to stand out as one of the fastest-growing economies in FY 2024 25, even as global uncertainties created pressures on growth. The countrys GDP expanded by approximately 6.0% in the first half, lower than the RBIs earlier estimates, reflecting slower capital formation and disruptions arising from elections and weather conditions. Despite this moderation, Indias medium-term growth outlook remains robust, underpinned by structural reforms, infrastructure development, digital adoption, and resilient domestic demand.

Growth momentum was supported by strong services exports, resilient agricultural output, and the gradual recovery in manufacturing. Fiscal discipline was maintained, with the deficit contained at 3.1% of GDP in the second quarter, while capital expenditure is expected to pick up in the latter half of the year. Indias ability to attract global and domestic capital continues to expand, with rising participation across equity markets, mutual funds, and private investments.

For OCAL, Indias dynamic economic environment represents both opportunity and responsibility. We are strategically positioned to guide businesses through capital raising, acquisition financing, and deal structuring, while simultaneously supporting their operational strengthening. Our advisory approach is designed to match Indias evolving business needs with customized financial solutions.

The Indian financial services sector continued its expansion, driven by increasing participation of domestic households, institutional investors, and global players. Mutual funds crossed a milestone with assets under management (AUM) at 53.40 lakh crore as of March 2024, while systematic investment plans (SIPs) contributed 2 lakh crore in inflows over the fiscal year. The number of Ultra High Net Worth Individuals

(UHNWIs) in India is projected to rise 63% by 2027, underscoring the growing importance of wealth management and advisory services.

Stock markets scaled new highs, with Indias market capitalization crossing US$ 3 trillion, supported by foreign portfolio investments and domestic investor confidence. The governments reform agenda simplifying IPO processes, encouraging wider participation, and deepening capital markets further enhances opportunities for financial intermediaries like OCAL. In this context, our expertise in capital raising, deal structuring, and investment management becomes increasingly relevant.

Onelife Capital Advisors Limited (OCAL) has consistently demonstrated agility by diversifying its portfolio and expanding its capabilities. During FY 2024 25, the Company strengthened its presence across Financial Services, IT-enabled solutions, Healthcare, Real Estate, E-Commerce, Travel & Vacation and Automobile technology platforms. Strategic investments in Dealmoney Group companies enhanced our ability to deliver end-to-end advisory and execution services while deepening synergies across subsidiaries.

Our proprietary software platforms, developed under the brand ‘Ready, reflect our commitment to leveraging technology for business growth. From healthcare management systems (Ready HMS) to broking and investment solutions, real estate management modules, HR and payroll systems, automobile aggregation, travel & vacation, and ecommerce platforms, OCAL is creating scalable digital solutions aligned with industry-specific needs. This technology-driven approach allows us to improve transparency, customer engagement, and operational efficiency across sectors.

Financially, the Company reported standalone income of 571.77 lakhs and consolidated income of 3,178.42 lakhs in FY 2024 25, with profit after tax of 50.93 lakhs. Despite a moderation in consolidated revenue compared to the previous year, strategic restructuring, direct subsidiary integration, and continued investment in IT and advisory capabilities are expected to support long-term sustainable growth.

OCALs vision is to emerge as a premier integrated financial advisory and technology-driven solutions provider, creating long-term value for clients, employees, and shareholders. We remain committed to aligning our growth with global trends digital adoption, AI-driven decision-making, sustainable investments, and capital market expansion.

Our key strengths include:

Focus on Technology and Analytics to provide cutting-edge solutions.

Differentiated and customized advisory services tailored to client needs.

Superior customer experience enabled by digital transformation.

Experienced leadership and professional management driving execution excellence.

To capitalize on market opportunities, our strategies include:

Enhancing brand recognition through consistent quality and trust. Building enduring customer relationships through advisory excellence. Promoting a culture of innovation and continuous improvement.

Expanding technology offerings across Financial Services, Healthcare, and other industries.

Onelife Capital Advisors Limited (OCAL) has strategically diversified its portfolio into multiple verticals, each aligned with high-growth opportunities in the Indian economy. Our business plan focuses on leveraging financial advisory, technology platforms, and sector-specific expertise to build scalable and profitable models. The following verticals represent key growth drivers for the Company:

1. Financial Services Capital raising, advisory, broking, and wealth management. The Indian financial services industry is projected to grow at 9 11% CAGR, supported by rising domestic savings, digital adoption, and regulatory reforms.

2. Healthcare Through technology platforms such as Ready HMS, OCAL is addressing the rapidly growing healthcare management market in India, projected to reach USD 650 billion by 2025. Digitization and AI adoption will further enhance scalability.

3. Real Estate & Infrastructure Digital real estate platforms and advisory services are aimed at capturing opportunities in Indias US$ 1 trillion real estate market, driven by urbanization, government reforms, and rising middle-class demand.

4. Automobile & Mobility Solutions OCALs automobile aggregation and IT-enabled services cater to Indias evolving mobility ecosystem. The Indian auto industry, valued at US$ 120 billion, is expected to reach US$ 300 billion by 2030, creating substantial opportunities in sales, financing, and digital platforms.

5. IT & Digital Platforms Through proprietary solutions like Ready ERP, payroll, and sector-specific modules, OCAL is well-positioned to ride Indias US$ 245 billion IT services industry, which is growing at 8 10% annually. These platforms not only generate direct revenues but also enhance customer stickiness across verticals.

Market Size & Potential by Business Verticals (India):

Each of these verticals is carefully chosen to align with Indias long-term economic growth story. By integrating financial expertise, digital technology, and sector-specific solutions, OCAL aims to capture opportunities that provide both revenue growth and sustainable value creation for stakeholders.

Risk management is central to our operations. OCALs business model is exposed to market risks, regulatory shifts, and execution challenges. We have developed a robust governance framework, continuously monitored by management and the Audit Committee, ensuring compliance, operational integrity, and adaptability.

Our people remain our strongest asset. We invest in training, mentorship, and professional development to create a progressive and entrepreneurial work culture. By encouraging innovation, collaboration, and integrity, OCAL ensures that employees remain engaged and motivated to deliver value to clients.

We value transparent and proactive communication with investors, analysts, and stakeholders. As a listed entity, OCAL is committed to maintaining high standards of corporate governance, ensuring timely disclosures, and presenting a clear roadmap of our strategies and performance. Our goal is to position OCAL as a trusted partner for investors seeking long-term growth aligned with emerging opportunities.

In conclusion, FY 2024 25 has been a year of resilience, innovation, and strategic consolidation for Onelife Capital Advisors Limited. As the global and Indian economies continue their transformation, we are poised to leverage our expertise, technology platforms, and financial acumen to create sustainable value across industries. With a clear vision and disciplined execution, OCAL remains well-positioned to capture growth opportunities and reinforce its position as a trusted advisor and partner in progress.