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Bespoke Product Solutions to Suite our MSME Customers Leveraging on Technology and Human Connect

Customer

  • MSME customers who are still not part of organized financial system
  • Deserves financing to fulfill their unmet credit demand
  • Those graduating from group borrowing to individual borrowing

Product

  • Unsecured / secured business loans
  • Tenor of 12-36 months
  • Ticket size in the range of INR 51,000- 500,000

Origination

  • ”Direct to Customer” approach
  • Referral from existing customers

Geography

  • Tier 2 and Tier 3 cities
  • Initial focus in Rajasthan, Haryana, Punjab, Madhya Pradesh and Maharashtra

Vision

“Bringing paradigm shift in MSME sector financing resulting in socio-economic upliftment of the families through technological intelligence and human connect”.

Mission

To be “The Lender of Choice” by providing organized, hassle free and cost efficient technology driven financing solutions to the underserved and deserving micro, small and medium enterprises ensuring scalability and sustainability without compromising on our fundamental “Core Values”.

9 Point Philosophy to Deliver Value Thereby Ensuring Highest level of Customer Satisfaction, Risk Management & Overall Governance

Strategy

- Right customer segment
- Right product mix
- Optimum geographical footprint

Customer Experience

“More than just loans”

Sales

“Digitally enabled process to enhance productivity”

Operational excellence

“Digital @scale & agility”

Credit and collections

“Traditional and surrogate analytics model”

Effective pricing

“Value pricing approach”

Partnership model (IT Vendors)

Agile IT & data analytics

Agile organization design and talent model