Slide 1 of 9
Positioning: Slide 1 of 9

Nilai


Tech partner for MSMEs

Nilai is not one product. Nilai is an technology infrastructure partner that enables MSMEs to manage equity, compliance, and shareholder relationships digitally.

Nilai
Core platform (SaaS engine + infra layer)

First product (naming direction)

  • EquiNilai(Equity + Value - Recommended)
  • Nilai Equity
  • Nilai Cap
  • Nilai Ledger
Choose your identity: Slide 2 of 9

What should we call
this platform?

Six name options. Each designed to work across all generations, rooted in Tamil Nadu. Click to select your favourite.

✓
Tamil root
Mudhal
From Tamil āŽŽā¯āŽ¤āŽ˛ā¯ (mudhal), meaning "capital" or "first." Short, punchy, universally pronounceable.
Trust ¡ Roots ¡ Growth
✓
Tamil-inspired
PaNmai
From āŽĒāŽŖā¯ (pan) wealth/tune — reimagined as "PaNmai" evoking richness, culture, and local identity.
Community ¡ Belonging ¡ Culture
✓
Action word
Seyyal
Tamil for "to create / to do." Signals action, momentum, and entrepreneurship. Clean and startup-ready.
Modern ¡ Tech-forward ¡ Action
✓
Pan-India friendly
Thodar
Tamil for "connection / link." Captures the platform's core purpose. Connecting MSMEs with investors and shareholders.
Trust ¡ Opportunity ¡ Network
✓
Universal
Varam
Tamil for "blessing / gift." Evokes prosperity and opportunity. Short, elegant, easy for all generations.
Growth ¡ Stability ¡ Belonging
✓
Recommended
Nilai
Tamil for "value / position / standing." Directly relevant to shares and equity. Memorable and meaningful.
All four vibes ¡ Perfect fit
The problem: Slide 3 of 9

63 million MSMEs.
Zero easy way to raise equity.

The gap between unlisted small businesses and those willing to buy shares in those small businesses has no digital infrastructure in India.

6.3Cr
MSMEs in India
~4%
ever access formal equity
4th
TN largest MSME state
₹0
digital infra for this gap

Pain points today

  • Share allocation done manually via spreadsheets or CAs
  • No single place to show investors and shareholders a company's cap table
  • Documentation is expensive, inconsistent, and slow
  • Investors and shareholders have no trusted portal to discover unlisted MSMEs
  • Our platform solves all four — end to end
The solution: Slide 4 of 9

How it works, end to end

One platform. Structured flow. From onboarding to live cap table.

🏭

MSME onboards

Uploads company data and shareholders.

↓
🛠

Platform processes

Creates cap table and compliance docs.

↓
🔍

Investors and Shareholders discover

Browse verified MSMEs.

↓
📋

Deal closes

Shares allocated and records updated.

↓
📊

Dashboard lives

Real-time cap table + shareholder portfolio.

Revenue model — Slide 5 of 9

Subscription tiers


Simple and scalable

MSMEs pay to be listed. Shareholders pay for premium access to purchase shares. Nilai earns both ways from day one.

MSME Starter
₹2,999 / year
Small businesses, up to 10 shareholders
  • ✓ Company profile page
  • ✓ Up to 10 shareholders
  • ✓ Basic cap table view
  • ✓ 3 compliance docs / year
MSME Growth
₹7,999 / year
Growing MSMEs with active share activity
  • ✓ Unlimited shareholders
  • ✓ Live cap table + dilution tool
  • ✓ Unlimited compliance docs
  • ✓ Shareholder discovery listing
  • ✓ Share allocation workflows
Shareholder
Free + ₹999 / yr premium
Retail investors, shareholders, HNIs, friends & family
  • ✓ Browse MSME listings (free)
  • ✓ Basic company info (free)
  • ★ Full financials (premium)
  • ★ Portfolio dashboard (premium)
  • ★ Deal notifications (premium)
Tech stack: Slide 6 of 9

Built lean. Built free.
Built to scale.

Every tool chosen for economic efficiency. Only domain + hosting space to be initially invested in.

Frontend
HTML, Javascript, Typescript + Vite
Fast, modern, excellent for dashboards and real-time updates
Auth
Firebase Auth
Safe, secure, scalable
Database
Firestore
Real-time, Google-grade security
File storage
Google Storage
Store docs, PDFs, and shareholder files securely
Doc generation
jsPDF
Generate compliance PDFs entirely in-browser, no server needed
Hosting
Hostinger
SSL Encrypted, Cloud-flare Embedded, Safe
Payments
Razorpay
UPI, cards, net banking — no monthly fee, 2% per transaction
Roadmap: Slide 7 of 9

From computer screens
to Tamil Nadu launch

Milestone by milestone. Honest. Achievable.

Phase 0
April 19
Prototype for kickstarting discussions with SMEs, Company Secretaries, Project Funding Investors
Ready portal ¡ MSME onboarding form ¡ Shareholder sign-up ¡
Design Develop Live deploy
Phase 1
May 2026
Core platform live + first 3 MSMEs onboarded
Share allocation engine ¡ Dilution calculator ¡ Shareholder register ¡ Compliance doc generator (jsPDF) ¡ Email notifications
MSME contacts First revenue
Phase 2
June 2026
Shareholder portal + premium tier + revenue grows
Investor & Shareholder discovery listings ¡ Premium subscription tier ¡ Portfolio dashboard ¡ AI-assisted doc drafting via Claude ¡ CA partner integration ¡ Demat advisory workflow
Phase 3
July 2026
Tamil Nadu launch — target 50 MSMEs
Full compliance suite ¡ Demat workflow via bank DP partner ¡ Analytics dashboard ¡ Mobile-optimised PWA ¡ Razorpay Integration for automated subscription collections ¡ Begin expansion to rest of India
Compliance & legal — Slide 8 of 9

Built-in documentation —
not an afterthought

The platform generates paperwork. A CA partner reviews and stamps. Nilai is the infrastructure layer.

Documents the platform generates

âœĻ Share allotment letter
âœĻ Shareholder register (Form MGT-1 style)
âœĻ Share transfer deed
âœĻ Board resolution template
âœĻ Cap table PDF export
âœĻ Subscription agreement draft

What needs human oversight

! Demat creation (requires bank / NSDL / CDSL DP partner)
! Stamp duty on share transfers (state-specific, needs CA)
! SEBI compliance if scale crosses certain thresholds
~ Platform generates docs. CA certifies.

On demat accounts

âœĻ Unlisted shares can be held in demat via NSDL or CDSL
âœĻ Need a DP partner (approach HDFC, ICICI, or Zerodha Broking)
âœĻ To be confirmed by a CS: Would physical share certs + digital register be sufficient?

Legal positioning

✓ EquiNilai is a Tech SaaS platform — not a broker or stock exchange
✓ MSMEs and shareholders transact directly — Nilai provides the tools
✓ Nilai should register as a Private Limited company early
Product ecosystem — Slide 9 of 9

Beyond EquiNilai —
the Nilai product ecosystem

EquiNilai is the starting point. Nilai expands into a full-stack digital infrastructure layer for MSMEs — across equity, finance, compliance, and growth.

Core layer (launch)

1
EquiNilai
Cap table management, share allocation, investor discovery, and compliance documentation.
2
Nilai Verify
MSME verification layer — business identity, financial credibility, and trust scoring for investors.
3
Nilai Docs
Automated compliance engine — generates, tracks, and manages legal documents for MSMEs.

Expansion layer (next)

4
Nilai Capital
Structured fundraising layer — connects MSMEs with investors through curated deals and pipelines.
5
Nilai Ledger
Financial tracking for MSMEs — revenue, expenses, and investor reporting in one dashboard.
6
Nilai Network
Community layer — connects MSMEs, investors, and service partners (CAs, legal, banking).
Equity infrastructure for MSMEs
Built by Rashika ⚡