Fostering vibrant local economies by providing financial services to informal micro-enterprises

InDhan stands for 'Inclusive' 'Finance'

Indhan in Hindi means Fuel, and we are committed to powering informal micro-enterprises in India by providing necessary financial products and services using cutting-edge technology at their doorsteps

India's vibrant economy is driven by its Micro, Small, and Medium Enterprises (MSMEs), which form the backbone of numerous industries and contribute significantly to employment generation (~110 mn) and GDP growth(~30%). However, despite their crucial role, a significant credit gap exists for MSMEs in India

According to various estimates, the credit gap for MSMEs in India ranges from $230 billion to $650 billion USD (approximately ₹17.4 trillion to ₹49.2 trillion INR). This substantial gap represents the difference between the demand for credit by MSMEs and the actual credit extended to them by financial institutions.

At InDhan, we recognize and tailor our business model leveraging the fast-changing transaction ecosystem in the country, coupled with highly nuanced and on-the-ground customer connect

Value Systems

At InDhan, we embody a strong value system ingrained in our approach to business

Inclusive: Accessible financial services for all

Nurturing: Supportive relationships for mutual growth

Diverse: Value diversity for innovation and inclusivity

Holistic: Account for wider impacts, ensuring sustainability

Accessible: Ensure easy access to financial services

Nimble: Adapt quickly to evolving needs

Small Business is a Big Opportunity

Diverse segment with complex vulnerabilities impacting economic outcomes

InDhan's Business approach contextualized to the target segment

Major Challenges

• Information Asymmetry

• Undocumented Income Proofs

• Lower Literacy Levels

• Inadequate & Improper Collaterals

• Uneven cashflow seasonality

• High transaction cost attendant to lower value transactions

Business Imperatives

• Assessment aided by Surrogates

• Relationship approach to lending

• Physical prescence with digital centricity

• Faster Turnaround

• Character assessment over cashflow

If you are an organization looking to empower Micro enterprises you have a perfect partner in us

Our current offering

• Loan ticket Size: 1-3 Lakhs

• Applicant age: 20 to 59 years (Age at Maturity)

• Primary Borrower: Women, Co-borrower: Other primary earning member

• Business stability: At least 2 years in current business

• Banking/credit exposure to be present (e.g., existing bank account)- Six months statement

• Business premise: Permanent roofing/Rented

• Residence: Minimum 5 years at same place

• Proximity: Within the radius operated by branch

Began in Aug'23

1 Branch in Hyderabad

• FY-24- Disbursed over Rs 20mn

• New branch addition in Mar'24

• Model stabilized, poised for growth

• Expanding in Hyderabad & district HQs of Telangana and Andhra Pradesh

Business model strengthened

Set up systems and processes

Our BC partner