Northern Arc Capital

Pahal is a Non-Banking Financial Services Company that specializes in providing microfinance services aimed at low-income households, particularly those in marginalized communities. The company offers a diverse array of financial and non-financial products and services designed to meet the evolving needs of its customers. By focusing on understanding the specific requirements of its clientele, Pahal enables individuals and families to enhance their standard of living through accessible financial solutions.

RevFin is a fintech company established in 2018, offering digital lending solutions. Its platform provides customers with revolving credit limits for convenient access to loans, along with a rewards program for on-time payments and other activities. As of now, RevFin has funded over 12,000 electric vehicles (EVs) with negligible non-performing assets (NPAs).

S.M.I.L.E. Microfinance Limited is a non-banking finance company based in Chennai, India, established in 1995. It specializes in providing microfinance services, primarily focusing on offering micro and small loans to women. These loans are intended to support small businesses, income-generating activities, and personal consumption needs in both urban and rural areas of Tamil Nadu. The company operates a network of 105 branches, facilitating access to financial services for its clients.

Avanse Financial Services Limited is a Mumbai-based non-banking finance company that specializes in education financing for students in India. Established in 1992, the company provides a range of loan products tailored to different educational needs, including higher education loans for studies both in India and abroad, e-learning loans for vocational training, and institutional loans for educational institutions. Avanse Financial Services aims to make education financing accessible and affordable, offering financial solutions that cover course fees and living expenses without imposing a cap on loan amounts. By leveraging technology, the company ensures a seamless borrowing experience, supporting students from pre-school through post-graduation and contributing to the overall growth of the education sector. As a subsidiary of Olive Vine Investment Limited, Avanse Financial Services continues to focus on empowering deserving students to achieve their academic aspirations.

Kissht is a fintech platform that enables instant consumer credit for purchases at online and offline points of sale. Its plug-and-play gateway APIs can be integrated into merchant checkout pages to offer loans at purchase. Kissht is operated by Onemi Technology Solutions, which uses a proprietary self-learning algorithm to assess credit profiles from digital footprints and process loans instantly, offering financing options with multiple repayment choices across India.

Credit Fair is a fintech startup focused on providing consumer lending solutions in India. It aims to serve the underserved population by offering accessible and affordable credit options for both businesses and individuals.

Shiksha Finance is a licensed Non-Banking Financial Company (NBFC) that specializes in providing financing solutions within the education sector. The company focuses on offering loans to education entrepreneurs who aim to enhance access to quality education, particularly for middle and low-income communities. These entrepreneurs often face financial challenges in expanding their schools' infrastructure and acquiring necessary academic and extracurricular resources. By addressing this capital shortfall, Shiksha Finance enables these institutions to improve their facilities and services. The company’s offerings include loans for asset creation, working capital, and school fees, thereby supporting both educational institutions and families seeking to finance their children's education.

Kanakadurga Finance Limited, established in 1994 and headquartered in Vijayawada, India, is a non-banking financial company specializing in providing accessible financing solutions to rural, semi-urban, and urban borrowers across five Indian states: Andhra Pradesh, Telangana, Karnataka, Tamil Nadu, and Gujarat. The company operates through approximately 100 branches, offering loans for the purchase of various vehicle types such as small commercial vehicles (SCVs), light commercial vehicles (LCVs), school buses, tractors, used cars, two-wheelers, three-wheelers, and gold loans. Its services aim to cater to underserved groups and low-income individuals, facilitating credit access at affordable costs.

SMECorner is an Indian financial services firm established in 2014, headquartered in Mumbai. It specializes in providing swift access to business loans for micro, small, and medium enterprises (MSMEs) through its online platform. The company combines machine learning, data science, and artificial intelligence to evaluate loan applications, using both traditional and alternative data sources. SMECorner offers two primary products: unsecured business loans and loans against property, aiming to bridge India's SME lending gap.

Chaitanya India Fin Credit Private Limited is a non-banking financial company (NBFC) that specializes in microfinance and micro lending services. Established in 2004 and headquartered in Bengaluru, India, the company primarily serves low-income families across the states of Karnataka, Maharashtra, Bihar, and Uttar Pradesh. Chaitanya focuses on providing business loans to women clients organized in groups, empowering them to enhance their economic activities and improve their livelihoods. As a wholly owned subsidiary of Svatantra Microfin Pvt. Ltd., Chaitanya plays a significant role in promoting financial inclusion among underserved communities in India.

Oxyzo specializes in transforming small and medium-sized enterprises (SMEs) into larger ones by providing customized credit solutions. It offers low-interest rates, collateral-free options, and rapid loan processing times to help SMEs expand operations and boost profits.

StashFin is a digital lending platform that specializes in providing personal loans and Credit Line Cards, allowing individuals to access funds flexibly and convert borrowed amounts into affordable equated monthly installments (EMIs). Focused on enhancing financial health and promoting economic independence, StashFin aims to disrupt traditional banking with its customer-centric approach. The company offers a variety of loan options, including personal, unsecured, and specialized loans for purposes such as travel and home renovation, ensuring a seamless and transparent borrowing experience. With a commitment to inclusivity and trust, StashFin has already served millions of clients and continues to build a solid reputation through its innovative financial solutions and robust technological infrastructure.