British International Investment

SBFC Finance Ltd is a non-deposit-taking non-banking finance company that specializes in providing secured loans to micro, small, and medium enterprises (MSMEs) and loans against gold. The company primarily serves entrepreneurs, small business owners, and self-employed individuals, offering financial products such as MSME loans, business loans, and personal loans. With interest rates starting at 12.50% per annum, SBFC Finance aims to support its clients' ambitions through a unique PhyGital model that combines technology with personalized, in-person service. This approach allows the company to work closely with customers on their loan applications, ensuring a tailored experience that meets their specific needs. The majority of SBFC Finance's revenue is derived from interest income generated through its lending activities.

Sanima Bank Limited, established in 2004 and based in Kathmandu, Nepal, offers a wide range of banking products and financial services to both corporate and retail customers. The bank provides various retail banking services, including savings accounts, current accounts, fixed deposits, and remittance accounts. It also extends credit facilities to individuals, such as home loans, education loans, auto loans, and personal loans, as well as specialized loans for microenterprises and small to medium-sized enterprises (SMEs). For corporate clients, Sanima Bank offers project financing, term loans, and trade finance services. Additionally, the bank features digital banking options, credit cards, and life insurance products, catering to the diverse financial needs of its clientele.

Shubham Housing Development Finance Company Private Limited, established in 2010 and headquartered in Gurugram, India, specializes in providing housing finance solutions to families with informal incomes. The company aims to assist customers who may not qualify for loans from traditional lending institutions by offering home loans, home improvement loans, and loans against property. Shubham stands out for its innovative operating model, which prioritizes an interview-based approach over conventional document-based underwriting, allowing for a better understanding of each customer's income and expense flows. This focus on urban low-income and informal income families reflects Shubham's commitment to facilitating home ownership through accessible and formal credit options.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Fido is a developer of a digital financing platform that provides individuals and entrepreneurs with quick and secure access to instant credit loans. The platform allows users to apply for small credits without any fees, collateral, or guarantors. Utilizing advanced machine learning risk models, Fido's technology enables instant credit decisions for customers who may lack a financial track record. This approach not only facilitates access to essential financial services but also reduces operational costs, making it easier for users to obtain the financial support they need.

Altum Credo is a company dedicated to making home ownership more accessible for first-time buyers, particularly those from low and middle-income backgrounds. It offers a range of services, including long-term home loans tailored for micro, small, and medium enterprises (MSMEs), refinancing options, and support for retail investors. The company places a strong emphasis on affordability, ensuring that equated monthly installments are manageable. By providing low-interest rates and minimal processing fees, Altum Credo aims to empower individuals and families to achieve their dream of owning a home.

Altum Credo is a company dedicated to making home ownership more accessible for first-time buyers, particularly those from low and middle-income backgrounds. It offers a range of services, including long-term home loans tailored for micro, small, and medium enterprises (MSMEs), refinancing options, and support for retail investors. The company places a strong emphasis on affordability, ensuring that equated monthly installments are manageable. By providing low-interest rates and minimal processing fees, Altum Credo aims to empower individuals and families to achieve their dream of owning a home.

Namdev Finvest operates a non-banking finance platform that focuses on providing loans primarily to rural and semi-urban agriculture, as well as to the priority sector. The company offers a variety of financial products, including commercial vehicle loans, car loans, business loans, two-wheeler loans, and gold loans. By targeting unserved and unreached farmers and entrepreneurs, Namdev Finvest aims to enhance their financial access and improve their livelihoods.

Sitara, known as Sewa Grih Rin Limited, is a housing finance company based in New Delhi, India, that was established in 2011. The company specializes in providing affordable housing loans to low-income households, particularly those in urban and peri-urban areas. It offers a range of mortgage products that can be used alongside government subsidies, as well as non-mortgage loans aimed at home and infrastructure improvements. Focused on addressing the needs of informally employed individuals, Sitara empowers these households, especially women, by helping them acquire tangible financial assets and improve their living conditions. Through its services, the company strives to bridge the financing gap for those who typically lack access to formal housing finance, thereby enhancing the overall quality of life for its clients.

Aye Finance is a financial services company that focuses on providing business loans to micro and small enterprises. The company aims to enhance financial inclusion by offering customer-centric financial solutions through the use of technology and efficient processes. Its range of services includes various loan and debt financing options designed to support the growth of small businesses. These financial offerings enable micro and small enterprises to acquire essential fixed and working assets, undertake renovations or construction of business facilities, and consolidate existing debts. Through its commitment to serving the needs of micro-enterprises, Aye Finance plays a pivotal role in fostering the development of this vital sector.

Dashen Bank is a commercial bank based in Addis Ababa, Ethiopia, established in 1995. It provides a range of financial services, including saving deposits, current deposits, and fixed time deposits. The bank also offers various loan products such as consumer loans, term loans, merchandise loans, project loans, and overdraft facilities. In addition to traditional banking services, Dashen Bank features interest-free banking options and digital banking solutions, catering to the diverse needs of its customers. The bank is involved in international trade and provides guarantees, enhancing its role in the financial landscape of Ethiopia.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

African Guarantee Fund is dedicated to fostering economic development in Africa by supporting small and medium-sized enterprises (SMEs). The organization provides various financial instruments, including equity guarantees, loan portfolio guarantees, and individual loan guarantees, aimed at mitigating risks for banks that lend to SMEs. Additionally, it engages in capacity development initiatives to enhance the capabilities of these enterprises. By facilitating access to finance, African Guarantee Fund plays a crucial role in promoting stability and reducing poverty across the continent, striving to become the leading non-bank financial institution that addresses Africa's financing needs.

Kinara Capital is a financing company based in Bengaluru, India, that specializes in providing flexible collateral-free loans to small business entrepreneurs. Founded in 2011 by Hardika Shah, the company primarily targets growing businesses that need funding for working capital, capital assets, and startup expenses. Its lending portfolio encompasses various industries, including agri-products, handicrafts, water, food, and energy. Kinara Capital aims to bridge the gap between microfinance and commercial capital by offering loans ranging from Rs 1 lakh to 15 lakh to micro and small enterprises. The company is recognized for its personalized customer service and rapid loan processing, leveraging data-driven insights to enhance its offerings. Kinara Capital has received accolades such as being named 'Bank of the Year-Asia' by the IFC/World Bank in 2019 and being listed among the Top 100 High-Growth Companies in the Asia-Pacific by the Financial Times.

Light Microfinance Private Limited is a non-banking finance company based in Ahmedabad, India, specializing in micro and meso finance products and services. Established in 1994, the company primarily operates in the Indian states of Gujarat, Rajasthan, and Madhya Pradesh. It focuses on delivering gender and poverty-oriented programs aimed at supporting rural and peri-urban communities, with a particular emphasis on empowering poor women. As a registered entity with the Reserve Bank of India, Light Microfinance is recognized as one of the fastest-growing microfinance institutions in the country, addressing the financial needs of underserved populations.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

Moove is a mobility fintech company focused on providing revenue-based vehicle financing to mobility entrepreneurs across Africa. By leveraging embedded alternative credit-scoring technology, Moove integrates its services within ride-hailing, logistics, and last-mile delivery platforms. This innovative approach allows the company to assess the performance and revenue of mobility entrepreneurs, enabling it to underwrite loans for individuals who have been historically excluded from traditional financial services. Through its unique model, Moove aims to democratize vehicle ownership and enhance access to financial resources for a growing number of mobility operators in the region.

Shubham Housing Development Finance Company Private Limited, established in 2010 and headquartered in Gurugram, India, specializes in providing housing finance solutions to families with informal incomes. The company aims to assist customers who may not qualify for loans from traditional lending institutions by offering home loans, home improvement loans, and loans against property. Shubham stands out for its innovative operating model, which prioritizes an interview-based approach over conventional document-based underwriting, allowing for a better understanding of each customer's income and expense flows. This focus on urban low-income and informal income families reflects Shubham's commitment to facilitating home ownership through accessible and formal credit options.

Moniepoint is a financial technology company that offers a comprehensive digital banking and payment ecosystem tailored for small and medium-sized businesses. The platform provides a range of services, including payment processing, credit access, and business management tools. Moniepoint enables businesses to create accounts and accept payments through various offline and online channels, facilitating efficient financial management. By integrating banking solutions with essential business tools, Moniepoint supports organizations in managing their finances and accessing the resources necessary for growth.

Aavas Financiers Limited is a housing finance company that specializes in providing loans primarily to low and middle-income customers in semi-urban and rural areas of India. The company offers a range of financial products, including home loans for purchasing or constructing residential properties, land purchase and construction loans, home improvement loans, and home equity loans. Additionally, Aavas provides micro, small, and medium enterprise loans aimed at supporting business expansion and working capital needs. Operating through a network of branches across various states, including Rajasthan, Maharashtra, and Gujarat, Aavas Financiers focuses on serving the underserved segments of the housing market. Established in 2011 and headquartered in Jaipur, the company was initially known as AU Housing Finance Limited before rebranding in 2017. As of mid-2020, Aavas Financiers Limited was taken private.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

Equity Bank is engaged in the provision of investment banking, custodial, insurance, philanthropic, consulting, and infrastructure services. They provide mortgage financing for the majority of customers who fall into the low-income population.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Global IME Bank operates as a commercial bank in Nepal, offering a comprehensive range of banking services. The bank provides various deposit products, including savings accounts, fixed deposits, and current accounts. Its lending portfolio features a variety of commercial loans, such as demand loans, cash credits, overdrafts, and term loans, alongside personal and retail credit options. Additionally, Global IME Bank facilitates trade finance and remittance services, ensuring a complete banking experience for its customers. The bank also offers modern conveniences such as internet and mobile banking services to enhance customer accessibility and satisfaction.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

Vayana Network is a financing network that facilitates electronic trade transactions between businesses and their trade partners. It enables companies to efficiently manage their receivables and payables by connecting them with banks and financial institutions for financing options. Through its online lending platform, Vayana Network provides working capital finance specifically designed for small and medium enterprises, allowing them to access short-term business loans to support growth. The company also offers a Commercial Card solution in collaboration with MasterCard and various banks, enhancing payable financing options for its clients. By streamlining the trade financing process, Vayana Network aims to empower businesses in managing their financial operations more effectively.

Commercial Bank of Ceylon PLC is a prominent financial institution based in Colombo, Sri Lanka, with operations extending to Bangladesh. Established in 1920, the bank provides a comprehensive range of commercial banking products and services through various segments, including Personal Banking, Corporate Banking, and International operations. Its offerings encompass current and savings accounts, fixed deposits, loans (such as home and personal loans), credit and debit cards, and treasury services. The bank also engages in investment banking, trade finance, and foreign exchange services. Additionally, it provides digital banking solutions, including mobile and online banking, as well as innovative services like WhatsApp banking and e-passbooks. With a network of 287 branches and 865 ATMs, Commercial Bank of Ceylon is committed to delivering accessible financial solutions while also offering products such as bancassurance and Islamic banking.

TeamApt is a financial technology company that develops digital banking and payment platform for financial transactions. It offers an end-to-end omnichannel digital banking service called Moneytor Digital Banking, enabling banks to offer retail, merchant, and corporate banking services through digital channels, Aptpay for automation of digital banking business operations, settlements, reconciliations, and tracks digital transformation processes with web and mobile interfaces. TeamApt was founded in 2015 and is headquartered in Lekki, Lagos, Nigeria.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

Fusion Microfinance, headquartered in New Delhi, operates primarily in the North Central region of India, including Madhya Pradesh, Uttarakhand, Uttar Pradesh, Delhi, and Haryana. Established in January 2010, the company initially focused on microfinance lending to financially underserved women organized into Joint Liability Groups (JLGs). It provides small, collateral-free loans to empower these women and also extends its services to micro, small, and medium enterprises (MSMEs). In addition to lending, Fusion Microfinance leverages its distribution channels to offer various financial products aimed at enhancing productivity, such as loans for purchasing mobile handsets and bicycles. The company's acquisition of the microfinance division Aajeevika, which had a modest initial member base, further strengthened its operations and outreach in the sector.

Asirvad Microfinance is a microfinance institution based in Chennai, India, that focuses on providing financial services to women from poor and low-income households. The company specializes in offering microloans, which are small loans designed to support entrepreneurial activities and uplift the financial status of its clients. In addition to microloans, Asirvad also provides housing loans and festival loan services, catering to the specific needs of low-income women. Through its targeted financial products, Asirvad aims to empower women and facilitate their economic independence.

ASA International India Microfinance Limited, based in Kolkata, provides microfinance services targeting both urban and rural populations in India. The company, which was incorporated in 1990 and rebranded in 2009, focuses on offering a variety of loan products, including primary, special, business, and family loans. It aims to empower women, particularly those at the bottom of the economic pyramid, by facilitating their financial independence through accessible funding options. ASA International India Microfinance is registered with the Reserve Bank of India as a Non-Banking Financial Company (NBFC) and operates as a subsidiary of ASA-International Holding Ltd.

Annapurna Finance is a microfinance institution focused on the financial and economic upliftment of underserved women and economically backward clients. The organization aims to expand microfinance operations in areas lacking access to formal financial systems, providing vital livelihood support to impoverished households. Annapurna Finance offers a range of need-based financial services, including micro-loans for clean water, sanitation, home improvement, support for widowed families, and small businesses. Additionally, the company provides customized insurance plans to ensure that customers receive tailored financial assistance aligned with their life cycle needs. By bringing these clients into the financial mainstream, Annapurna Finance facilitates economic empowerment and entrepreneurial skill development.

Chaitanya began its microfinance activities in October 2007 as a non-governmental organization in Nayakanahatti village, Chitradurga district. In October 2009, it transitioned to a for-profit model by obtaining a Non-Banking Finance Company (NBFC) license from the Reserve Bank of India, leading to the establishment of Chaitanya India Fin Credit Pvt. Ltd. Since then, the company has focused on providing a range of financial services, including digital personal loans, home loans, mutual funds, health insurance, and micro-loans. Chaitanya aims to make a positive and sustainable impact on the lives of its customers, helping them improve their livelihoods and overall quality of life.

Arohan Financial Services Limited, established in 1991 and headquartered in Kolkata, India, is a non-banking financial company (NBFC) specializing in microfinance. It provides a range of financial services, including microloans to economically active women in low-income areas, shopkeeper loans, and loans for toilet construction and utility products. Arohan also offers supplementary products like solar, sanitation, mobile, and cycle loans, group term life insurance, and hospi-cash products. Additionally, it provides micro, small, and medium enterprise lending products, such as working capital facilities to POS-enabled merchants and online players through ACH. As of March 31, 2020, Arohan operated through 711 branches, serving customers with loan amounts ranging from INR 10,000 to INR 100 lakh. The company works with local partners to expand its reach in remote, low-income regions and offers financial safety net and non-financial products at affordable costs.

Tata Capital, established in 2007, is a leading Indian financial services firm and a subsidiary of Tata Sons Limited. It offers a wide array of financial products and services to retail, corporate, and institutional customers. These include various loan types such as personal, business, and home loans, as well as commercial finance products and credit cards. Additionally, Tata Capital provides investment advisory services, portfolio management, fixed deposits, and mutual funds. It also distributes wealth products and offers insurance services. The company is committed to customer-centric solutions, operating with transparency and ethical practices.

Equity Bank is engaged in the provision of investment banking, custodial, insurance, philanthropic, consulting, and infrastructure services. They provide mortgage financing for the majority of customers who fall into the low-income population.

RBL Bank Limited is a private-sector scheduled commercial bank based in Mumbai, India, established in 1943. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. It offers a diverse range of deposit products such as savings and current accounts, as well as fixed deposits. RBL Bank provides various lending options, including personal, home, car, education, and business loans, along with financial services like insurance, wealth management, and online banking. The bank also engages in advisory services for mergers and acquisitions, project finance, and trade services. With a focus on expansion, RBL Bank has developed a network of branches and ATMs across India, servicing over 500,000 customers and maintaining a robust business size. Following a transformational journey initiated in 2010, the bank has strengthened its governance and technology infrastructure to support its growth strategy.

Mettle Investments Limited is a specialist financial services company based in Bellville, South Africa, established in 1995. The company focuses on the lending business, offering a variety of financial solutions including asset-backed short-term lending, debtor finance, working capital finance, corporate finance, incremental housing finance, factoring, and invoice discounting. Mettle serves a diverse clientele, which includes international corporations, small and medium enterprises, and individual clients. In addition to its lending services, the company is involved in the solar energy and fintech sectors, highlighting its commitment to innovation and the development of specialised financial solutions.

Indifi Technologies Pvt. Ltd., established in 2015 and headquartered in Gurugram, India, operates an online platform that facilitates loans for small businesses. It connects borrowers with lenders, providing a range of services to support the lending process, including data aggregation, analysis, and loan monitoring. Indifi specializes in serving businesses in sectors such as e-commerce, travel, hospitality, retail, and trading. Its unique approach involves assessing creditworthiness based on industry-specific performance data, enabling it to identify low-risk, high-potential businesses that may lack access to traditional financing. The platform presents these applications to multiple lenders, increasing the chances of loan approval and providing lenders with choices.

Aavas Financiers Limited is a housing finance company that specializes in providing loans primarily to low and middle-income customers in semi-urban and rural areas of India. The company offers a range of financial products, including home loans for purchasing or constructing residential properties, land purchase and construction loans, home improvement loans, and home equity loans. Additionally, Aavas provides micro, small, and medium enterprise loans aimed at supporting business expansion and working capital needs. Operating through a network of branches across various states, including Rajasthan, Maharashtra, and Gujarat, Aavas Financiers focuses on serving the underserved segments of the housing market. Established in 2011 and headquartered in Jaipur, the company was initially known as AU Housing Finance Limited before rebranding in 2017. As of mid-2020, Aavas Financiers Limited was taken private.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

IIFL Finance is a prominent financial services company based in India, focusing on providing a diverse range of financial solutions. Its core offerings include home loans, gold loans, business loans, and microfinance solutions, which cater to various customer needs. In addition to these core products, IIFL Finance also engages in synergistic activities related to capital markets, construction, and real estate. The company operates through two main business units: core products and synergistic products, with home loans and business loans being significant components of its operations. IIFL Finance's comprehensive approach encompasses credit and finance, wealth management, financial product distribution, asset management, and investment banking, generating all its revenue domestically.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

Veritas Finance is dedicated to addressing the financial needs of micro, small, and medium enterprises, particularly those in the informal sector with limited access to financial services. The organization aims to make a significant impact by providing inclusive financial solutions to individuals engaged in informal activities, thereby supporting their growth and contributing to the broader economy. Veritas Finance offers a range of loan products, including short-term loans for working capital, medium-term loans for business expansion, and long-term loans for asset creation. With a team of professionals experienced in the financial services industry, the company strives to simplify the credit process for its customers, ultimately enhancing their ability to thrive in a competitive business landscape.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

Utkarsh Small Finance Bank Limited is a banking institution in India that offers a variety of financial products and services tailored to meet the needs of retail, institutional, and corporate clients. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. Its product offerings encompass savings and current accounts, fixed and recurring deposits, and various loan options such as housing, personal, business, agricultural, and MSME loans. Additionally, the bank provides microbanking services, overdrafts against fixed deposits, and wholesale lending. Utkarsh Small Finance Bank also facilitates remittance services, including NEFT and RTGS, and offers digital banking solutions through ATMs, internet, and mobile banking. The bank is further engaged in treasury operations and the distribution of third-party financial products like insurance and mutual funds. As of March 31, 2020, Utkarsh Small Finance Bank operated a network of 507 branches and 177 ATMs across 15 states and 2 union territories in India. Headquartered in Varanasi, it was incorporated in 2016 and is a subsidiary of Utkarsh CoreInvest Limited.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

RBL Bank Limited is a private-sector scheduled commercial bank based in Mumbai, India, established in 1943. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. It offers a diverse range of deposit products such as savings and current accounts, as well as fixed deposits. RBL Bank provides various lending options, including personal, home, car, education, and business loans, along with financial services like insurance, wealth management, and online banking. The bank also engages in advisory services for mergers and acquisitions, project finance, and trade services. With a focus on expansion, RBL Bank has developed a network of branches and ATMs across India, servicing over 500,000 customers and maintaining a robust business size. Following a transformational journey initiated in 2010, the bank has strengthened its governance and technology infrastructure to support its growth strategy.

Utkarsh Small Finance Bank Limited is a banking institution in India that offers a variety of financial products and services tailored to meet the needs of retail, institutional, and corporate clients. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. Its product offerings encompass savings and current accounts, fixed and recurring deposits, and various loan options such as housing, personal, business, agricultural, and MSME loans. Additionally, the bank provides microbanking services, overdrafts against fixed deposits, and wholesale lending. Utkarsh Small Finance Bank also facilitates remittance services, including NEFT and RTGS, and offers digital banking solutions through ATMs, internet, and mobile banking. The bank is further engaged in treasury operations and the distribution of third-party financial products like insurance and mutual funds. As of March 31, 2020, Utkarsh Small Finance Bank operated a network of 507 branches and 177 ATMs across 15 states and 2 union territories in India. Headquartered in Varanasi, it was incorporated in 2016 and is a subsidiary of Utkarsh CoreInvest Limited.

M-KOPA is a company that offers connected asset financing solutions aimed at underbanked customers. Its platform integrates digital micropayments and Internet of Things (IoT) connectivity to provide access to essential products, including solar lighting, televisions, refrigerators, and smartphones. The platform is designed to be accessible, allowing customers to secure financing without the need for a credit history or collateral. By focusing on life-enhancing products and services, M-KOPA aims to improve the quality of life for individuals in underserved markets.

IIFL Finance is a prominent financial services company based in India, focusing on providing a diverse range of financial solutions. Its core offerings include home loans, gold loans, business loans, and microfinance solutions, which cater to various customer needs. In addition to these core products, IIFL Finance also engages in synergistic activities related to capital markets, construction, and real estate. The company operates through two main business units: core products and synergistic products, with home loans and business loans being significant components of its operations. IIFL Finance's comprehensive approach encompasses credit and finance, wealth management, financial product distribution, asset management, and investment banking, generating all its revenue domestically.

RBL Bank Limited is a private-sector scheduled commercial bank based in Mumbai, India, established in 1943. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. It offers a diverse range of deposit products such as savings and current accounts, as well as fixed deposits. RBL Bank provides various lending options, including personal, home, car, education, and business loans, along with financial services like insurance, wealth management, and online banking. The bank also engages in advisory services for mergers and acquisitions, project finance, and trade services. With a focus on expansion, RBL Bank has developed a network of branches and ATMs across India, servicing over 500,000 customers and maintaining a robust business size. Following a transformational journey initiated in 2010, the bank has strengthened its governance and technology infrastructure to support its growth strategy.

RBL Bank Limited is a private-sector scheduled commercial bank based in Mumbai, India, established in 1943. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. It offers a diverse range of deposit products such as savings and current accounts, as well as fixed deposits. RBL Bank provides various lending options, including personal, home, car, education, and business loans, along with financial services like insurance, wealth management, and online banking. The bank also engages in advisory services for mergers and acquisitions, project finance, and trade services. With a focus on expansion, RBL Bank has developed a network of branches and ATMs across India, servicing over 500,000 customers and maintaining a robust business size. Following a transformational journey initiated in 2010, the bank has strengthened its governance and technology infrastructure to support its growth strategy.

Equitas Small Finance Bank Limited is a banking institution based in Chennai, India, that offers a wide range of financial services aimed at promoting financial inclusion. The bank operates through various segments, including Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Its product offerings encompass savings and current accounts, fixed and recurring deposits, and a variety of loans, such as gold loans, home loans, business loans, and microfinance. Additionally, Equitas provides insurance services, investment options, and digital banking solutions, including internet banking and money transfer services. Established in 1993 as Equitas Micro Finance Limited, the bank rebranded in 2016 to reflect its broader banking capabilities and focus on serving individuals, families, and small businesses across India. As a subsidiary of Equitas Holdings Limited, it emphasizes changing the traditional banking experience while catering to the financial needs of underserved populations.

Utkarsh Small Finance Bank Limited is a banking institution in India that offers a variety of financial products and services tailored to meet the needs of retail, institutional, and corporate clients. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. Its product offerings encompass savings and current accounts, fixed and recurring deposits, and various loan options such as housing, personal, business, agricultural, and MSME loans. Additionally, the bank provides microbanking services, overdrafts against fixed deposits, and wholesale lending. Utkarsh Small Finance Bank also facilitates remittance services, including NEFT and RTGS, and offers digital banking solutions through ATMs, internet, and mobile banking. The bank is further engaged in treasury operations and the distribution of third-party financial products like insurance and mutual funds. As of March 31, 2020, Utkarsh Small Finance Bank operated a network of 507 branches and 177 ATMs across 15 states and 2 union territories in India. Headquartered in Varanasi, it was incorporated in 2016 and is a subsidiary of Utkarsh CoreInvest Limited.

Equitas Small Finance Bank Limited is a banking institution based in Chennai, India, that offers a wide range of financial services aimed at promoting financial inclusion. The bank operates through various segments, including Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Its product offerings encompass savings and current accounts, fixed and recurring deposits, and a variety of loans, such as gold loans, home loans, business loans, and microfinance. Additionally, Equitas provides insurance services, investment options, and digital banking solutions, including internet banking and money transfer services. Established in 1993 as Equitas Micro Finance Limited, the bank rebranded in 2016 to reflect its broader banking capabilities and focus on serving individuals, families, and small businesses across India. As a subsidiary of Equitas Holdings Limited, it emphasizes changing the traditional banking experience while catering to the financial needs of underserved populations.

RBL Bank Limited is a private-sector scheduled commercial bank based in Mumbai, India, established in 1943. The bank operates through several segments, including Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. It offers a diverse range of deposit products such as savings and current accounts, as well as fixed deposits. RBL Bank provides various lending options, including personal, home, car, education, and business loans, along with financial services like insurance, wealth management, and online banking. The bank also engages in advisory services for mergers and acquisitions, project finance, and trade services. With a focus on expansion, RBL Bank has developed a network of branches and ATMs across India, servicing over 500,000 customers and maintaining a robust business size. Following a transformational journey initiated in 2010, the bank has strengthened its governance and technology infrastructure to support its growth strategy.

Equitas Holdings operates as a non-banking financial institution in India, focusing on providing a variety of financial services through its subsidiaries. Founded in 2007 and based in Chennai, the company offers products such as microfinance loans, vehicle finance, housing finance, and loans for micro and small enterprises. It also provides agri loans, gold loans, and business loans, primarily targeting individuals and low-income customers who may not have access to traditional banking services. In addition to its lending activities, Equitas Holdings engages in online freight facilitation through its Wowtruck brand. The company, which was formerly known as Equitas Micro Finance India Private Limited, changed its name in 2012 to reflect its broader scope of operations.

Equitas Small Finance Bank Limited is a banking institution based in Chennai, India, that offers a wide range of financial services aimed at promoting financial inclusion. The bank operates through various segments, including Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. Its product offerings encompass savings and current accounts, fixed and recurring deposits, and a variety of loans, such as gold loans, home loans, business loans, and microfinance. Additionally, Equitas provides insurance services, investment options, and digital banking solutions, including internet banking and money transfer services. Established in 1993 as Equitas Micro Finance Limited, the bank rebranded in 2016 to reflect its broader banking capabilities and focus on serving individuals, families, and small businesses across India. As a subsidiary of Equitas Holdings Limited, it emphasizes changing the traditional banking experience while catering to the financial needs of underserved populations.

AU Small Finance Bank Limited is a financial institution based in Jaipur, India, that provides a wide array of banking services tailored to meet the needs of retail and small to medium enterprises (SMEs). The bank operates through several segments, including Treasury, Retail Banking, Wholesale Banking, and other operations. It offers services such as savings and current accounts, fixed and recurring deposits, insurance products, and various loan options including vehicle, home, personal, and agri-SME loans. Additionally, the bank provides digital banking solutions, trade finance, and government banking services to various public sector undertakings. As of its last reporting, AU Small Finance Bank had an extensive network of branches, banking outlets, and ATMs across India. Established in 1996 and initially known as AU Financiers (India) Limited, the company rebranded to its current name in May 2017 to reflect its focus on expanding its banking services.