Innovation We help people pursue their dreams by making it easy and affordable to manage money. We offer small monthly loans starting from INR 2,000/- up to INR 1Lakh to small and medium-sized enterprises in cases when they want to stock up for an eventful sale or store renewal or simple cashflow mismatch. We have partnered with merchant aggregators to identify and assess borrowers. We customise the product for micro-entrepreneur mainly for short term (90-day, weekend, 1 day) & small amount (Average ticket size is 35000) as the requirement of the merchant. Artificial Intelligence & Machine learning based risk modelling. 100% Digital – one-click disbursal & automated repayment from POS/BC wallet sales per day. Won 2 national awards – Best AI startup of the year & Most innovative startup of the year. Improvement Current products have a long tenure with a greater amount and have a Phygital model (at least one leg of the process is physical). Happy Loans is 100% digital and based on Artificial intelligence & machine learning. This tech-based solution makes the user experience far more amazing. The disbursal happens within 5 min

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Source: Ministry of Corporate Affairs company master (open data). Capital figures are as-of the 2021 registry snapshot, not live.