Our Story
Unbundling and Rebundling Banking services for Emgerging India
We provide banking services and more to customers in the remotest corners through a unique phygital delivery model, driven by our robust network of (Merchants) Adhikaris.
Read MoreBuilding on India’s digital public infrastructure
India has established an extensive digital public infrastructure called India Stack, unlocking essential economic building. We are leveraging this digital stack to build a financial inclusion network across the country.
Current
Digital Stacks
Internet
Internet penetration in rural 336 lakhs users
JAM
460 lakhs Jan Dhan Bank Accounts, 1300 lakhs Aadhaar penetration
AePS
Biometric identity stack enabling payments
UPI
Instant digital payments
BBPS
Bharat Bill Pay - democratizing bill payments
UMANG
Government to citizen services
Emerging
Digital Stacks
Democratizing commerce
Democratizing credit
Account Aggregator -
leveraging power of data
Udyam Adhaar
Digital Health ID
Business model
Innovating for Bharat
We've designed an innovative ecosystem, effectively catering to lakhs in underserved Bharat—individuals and small businesses with unique small-ticket financial products.
Multi-Service Digital Platform
- Dependable one-stop multi-service shop, saving time, effort, confusion in dealing with multiple entities
Ecosystem Value Distribution
- For Customers: Easy access to various services
- For (Merchants) Adhikaris: Investment business opportunity
- For Service Providers: Cost-effective access to hard-to-reach customers
Open-Network Assisted Digital Distribution
- Local representatives (Merchants) Adhikaris operating booths in remote areas within short home/workplace radius
Fostering Local Connect
- Reliance on familiar faces in community
- Trained, digitally-proficient (Merchants) Adhikaris as service enablers
Digital Public Infrastructure
- Leveraging current digital stacks like JAM, AePS, BBPS and UMANG to provide access to Bharat
Designed for Ease of Adoption
- Aadhaar-enabled Payment Systems (AePS), mobile ATMs as an alternate to sparse physical ATMs
- Bharat Bill Payment System to enable cash collections from agents / rural consumers
Flexible Repayment Schedules
- Daily repayment of loans for nanoprenuers matching with their cash flows
Investors
Nurturing long-lasting
relationships to create value
