Next generation credit infrastructure tech stack ​tailored for the unique financial landscape of Bharat

Our Mission

Our mission involves shaping the future of credit technology and revolutionizing the way credit is extended, assessed, and managed for Rural & Semi Urban India

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Designed for Bharat

With cutting-edge technology and deep-rooted understanding of sectoral & local dynamics

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Adaptable & Customizable

Well-positioned to facilitate growth in an ever-changing landscape

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Easy & Uncomplicated

API ready cloud based platform, No Code, Plug and Play

Model

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Interconnected & Efficient

Adopts an ecosystem view, brings together tech, components and partnerships

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Lightening Fast

Our advanced algorithms work at lightning speed to ensure seamless processing

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Compliant & Secure

Maintains compliance and security fostering trust, ensuring the integrity of operations

Solutions

Our unique credit technology solutions collectively alleviate the complexities associated with extending credit and make formal lending more accessible than ever before

For Banks & Financial Institutes

Credit Aggregation & Facilitation

Connects Bharat with Financial Institutions, opens up huge opportunities for Financial Institutions to offer credit to Rural & Semi Urban India.

Sector Specific Credit Modules

Curated credit modules that consider the nuances of the sector and incorporates alternative data sources for deeper understanding of borrower profile.

Advanced Credit Assessment Engine

Effortlessly facilitates configuration of rules and offers comprehensive assessment reports. Enabling Financial institutions to optimize productivity & approval rates.

For Partners

Offer Credit as a Service

Ready to use credit infrastructure for offering credit as a service by any platform. Offer your consumers bespoke & competitive financial products through your platform.

Credit Advisory

Our team of experts specializes in understanding and customizing credit products according to your needs and risk appetite. We work with you to co-create credit strategies for your market.

Supply Chain Financing Solutions

Offers upstream and downstream channel

financing solutions for partners.


Optimize your working capital and increase your business.

Our Team

Team with deep experience in Financial Services, Agriculture, Rural & Technology domain

VIKRANT BAWANE

Founder

Ex. PRM, HDFC BANK-Agri & Rural Credit

15+ years of Experience in Agri-Finance & Agri Industries

SANJOG BAWANE

Founder

Ex. Infra Consultant & PPP Expert

22+ years of Experience in transaction advisory & infrastructure

RITESH DHOOT

Tech Advisor

SVP - Engineering, H1.

Co-Founder - AgriCx Lab

Ex. Director of Engineering - CISCO

R. PARTHASARTHY

Tech Advisor

Co-Founder & CTO, Credit Nirvana

Ex. Exec Director - Morgan Stanley

Ex. Vice President - Accenture