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We build and deploy innovative financial solutions for inclusive economic growth.
Enrich the lives of millions of financially underserved Indians with a bundle of built-to-last financial innovations.
Integrate our IMPACT tech stack to provide innovative financial products and services across savings, investments, credit and insurance, to the underserved population of India.
Fixed Deposits
Mutual Funds
Indian Equities
US
Equities
Empower millions of Indians on their path to financial upward mobility with our Blended Finance solutions by infusing capital for returnable grants and credit guarantee-backed loans, as well as funding new-to-world innovations such as credit analytics for individuals.
Returnable
Grants Disbursal
MSME
Credit
Loan
Origination
Meet national goals for priority sector lending and acquire an untapped customer base with demonstrable creditworthiness, supported by a robust pre-credit score model and synthetic matching-based MEL framework.
Credit
Analytics
Social Sector Distribution Network
Integrate our IMPACT tech stack to provide innovative financial products and services across savings, investments, credit and insurance, to the underserved population of India.
Fixed Deposits
Mutual Funds
Indian Equities
US Equities
Meet national goals for priority sector lending and acquire an untapped customer base with demonstrable creditworthiness, supported by a robust pre-credit score model and synthetic matching-based MEL framework.
Credit Analytics
Social Sector
Distribution
Network
Empower millions of Indians on their path to financial upward mobility with our Blended Finance solutions by infusing capital for returnable grants and credit guarantee-backed loans, as well as funding new-to-world innovations such as credit analytics for individuals.
Returnable
Grants
Disbursal
MSME Credit
Loan Origination
Quick Scalability
Scale up distribution quickly in a complex regulatory environment by deploying our tech stack across the value chain from customer acquisition and onboarding to customer growth.
Blended Finance Toolkit
Break the barriers to financial inclusion with financial interventions including micro-savings and investments, health savings wallet, pre-credit score, returnable grants and credit guarantee-backed loans – to help underserved Indians access the financial system.
Our Partner Network
Leverage our partnerships with large institutions at the top of the financial service value chain, as well as 100+ social sector organisations, and alliances.
Compliant Product Innovation
A reputable track record of receiving regulatory approvals for new processes and product innovations built in concurrence with regulators through transparent dialogue.
Our comprehensive Blended Finance Graduation Model is envisioned to deliver a measurable increase in income, resilience and access to affordable credit for individuals and micro-entrepreneurs.
Building saving and investing habits with
pay-for-performance incentives.
A dedicated wallet created with incentives based on health savings milestones.
Delivering credit analytics for deserving new-to-credit individuals.
Linking qualified potential borrowers to existing credit products.
For disbursal and collection of zero-collateral loans with no obligation to repay.
A dedicated wallet created with incentives based on health savings milestones.
Delivering credit analytics for deserving new-to-credit individuals.
Linking qualified potential borrowers to existing credit products.
For disbursal and collection of zero-collateral loans with no obligation to repay.
Aligned with national priority goals
Creating new-to-world public goods
Responsible use of AI for good
Low-Cost Integration For Enterprises
Unlock additional revenue streams keeping both integration charges and running costs low.
Budget-Friendly End-User Cost
Keep the end-user costs low, making financial services accessible to all.
Plug-And-Play
Transform intricate processes into seamless integration with powerful SDKs and APIs.
Configure Your Way
Fine-tune the moving parts exactly as you need to elevate your fintech services.
Tech Advantage
Be ever-ready for business growth with a robust platform designed for scale.
Unmatched Processing Speed
Unleash high-load capabilities as you scale, processing millions of transactions per second, efficiently.
Round-The-Clock Support
Get 24x7 expert technical support to resolve service queries with reliably quick turnarounds.
Dedicated SPOC
Manage your requirements end-to-end, from contracting, to production, and integration, with a dedicated senior SPOC.
Fully-Compliant Tech
Rest assured with our tech stack built in compliance with SEBI, RBI, SEC, and IFSCA.
Reporting And Audits
Receive regular detailed reports to audit your workflows transparently.
informal workers in
the economy
Firms are outside tax & social security nets
informal workers in
the economy
Firms are outside tax & social security nets
The Build For Billions Fintech Accelerator Programme by Reserve Bank Innovation Hub (RBIH), Indian School of Business (ISB) and Union Bank of India aims to bridge the gap between financial services and India’s informal economy. We are among the few start-ups selected for the first cohort of this programme.
Beneficiaries of our Impact Finance solutions include:
How
Appreciate in partnership with Samhita Social Ventures & Collective Good Foundation built a pathway to formal credit for micro-enterpreneurs.
Problem 1
India currently has 63 million micro-entrepreneurs (MEs) who have the potential to employ 107 million people But, Greater than 60% of Micro Enterprises have no access to formal credit.
Problem 2
Current financial institution underwriting models are not equipped to assess the creditworthiness of New-to-Credit (NTC) MEs.
Solution 1
Returnable Grants i.e. zero-interest, zero-collateral loans with no legal obligation to repay were provided to help MEs “graduate” to formal credit.
Solution 2
Over 90% of the Returnable Grants were repaid — demonstrating the creditworthiness of a perceived high-risk segment. $3 Mn+ disbursed to over 40k people.
Solution 3
Over 90% of the Returnable Grants were repaid — demonstrating the creditworthiness of a perceived high-risk segment.
Solution 4
We also plan to bridge the gap with Pre-Credit Score (PCS) as a proxy for assessing the creditworthiness of new-to-credit MEs.
Solution 5
Credit-Guarantee Backed Loans Plan for extending access to formal credit from banks & NBFCs to informal credit borrowers and former RG participants.
Outcome
700K+ micro-entrepreneurs & informal workers given access to digital & financial literacy.
40K+ micro-entrepreneurs empowered with blended finance solutions.
$3 Mn+ capital disbursed at affordable rates to new-to-credit segment.
