Northern Arc

Pahal is a Non-Banking Financial Services Company that specializes in providing microfinance services primarily aimed at low-income households and marginalized communities. The company offers a diverse range of financial and non-financial products and services designed to meet the evolving needs of its customers. By focusing on the unique requirements of its target demographic, Pahal aims to empower individuals and families, helping them to enhance their standard of living.

RevFin is a digital lending fintech company based in Delhi, India, founded in 2018 by Sameer Aggarwal. The company specializes in providing convenient and accessible loans through its innovative platform, which features a revolving credit limit that users can utilize and repay at their convenience. In addition to flexible borrowing, RevFin offers a rewards program that allows customers to earn points for timely repayments, referring friends, or simply logging into the application. This user-friendly approach enables individuals to access loans anytime and anywhere, facilitating the funding of over 12,000 electric vehicles while maintaining non-performing assets (NPAs) of less than 2%.

Avanse Financial Services Limited is a non-banking financial company based in Mumbai, India, specializing in education financing for students. Established in 1992, the company provides a range of financial solutions including loans for higher education in India and abroad, e-learning initiatives, and vocational training programs. Avanse also offers loans to educational institutions to support their operational and growth needs. The company's goal is to ensure that deserving students have access to affordable financing options to cover course fees and living expenses, without a cap on the loan amount. By leveraging technology, Avanse aims to streamline the loan application process and enhance access to education-related financial support across the entire educational ecosystem, from pre-school to post-graduation.

Indifi Technologies Pvt. Ltd. operates a digital lending platform that connects lenders with small businesses seeking loans. Established in 2015 and based in Gurugram, India, the company focuses on assisting businesses that often struggle to secure financing from traditional institutions due to a lack of collateral or financial data. Indifi utilizes technology to gather and analyze data from various sources, assessing the creditworthiness and performance of potential borrowers within their respective industries. This approach allows Indifi to identify low-risk, high-potential businesses, thereby expanding access to both short- and long-term funding options. Additionally, the company provides lifecycle support services for lenders, including marketing, customer relationship management, data aggregation, and loan monitoring, while facilitating communication between borrowers and multiple lenders to enhance the likelihood of loan approval.

Shiksha Finance is a RBI licensed Non-Banking Financial Company (NBFC) that specializes in providing loans in the education sector. The company's primary focus is on supporting education entrepreneurs who aim to enhance access to quality education, particularly for middle and low-income communities. These entrepreneurs often face financial challenges that hinder their ability to expand school infrastructure and acquire necessary academic resources. Shiksha Finance addresses this gap by offering loans for asset creation, working capital, and school fees, enabling educational institutions to improve their facilities and services. In doing so, the company plays a crucial role in fostering better educational outcomes for children in underserved areas.

Chaitanya India Fin Credit Private Limited is a non-banking financial company focused on microfinance and micro lending services, primarily targeting low-income families in India. Established in 2004 and headquartered in Bengaluru, the company operates in the states of Karnataka, Maharashtra, Bihar, and Uttar Pradesh. Chaitanya specializes in providing business loans to women clients organized in groups, supporting their entrepreneurial activities and financial independence. As a wholly owned subsidiary of Svatantra Microfin Pvt. Ltd., Chaitanya plays a significant role in promoting financial inclusion among underserved communities.

Fibe is a prominent consumer lending app in India, catering to the credit needs of young, aspirational, and tech-savvy individuals. The company has developed an online financial platform that specializes in providing ultra short-term loans and salary advances. Fibe's services include small bridge loans to cover expenses until the next salary is credited, as well as loans designed to assist customers during challenging financial periods at the end of the month. This focus on quick and accessible financial solutions positions Fibe as a valuable resource for those seeking immediate support in managing their finances.

Oxyzo is a financial services company dedicated to transforming small and medium enterprises (SMEs) into larger businesses. It provides customized credit solutions designed to support SMEs in expanding their operations, increasing revenue, and improving profit margins. Oxyzo's offerings include low-interest rates, collateral-free credit options, and rapid loan processing within 72 hours. The company serves over 3,000 SMEs across India, disbursing more than 4,000 crores annually, with assets under management exceeding 1,500 crores. Key features of Oxyzo's services include a pay-as-you-use model that charges interest only for the duration of credit utilization, minimal documentation requirements for loan processing, and potential savings on raw material purchases, allowing businesses to benefit from a more flexible and accessible lending experience.