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Abhiyan Capital is a mission-driven Non-Banking Financial Company (NBFC) founded to empower micro-enterprises and small businesses that lack access to formal financial services. We specialize in providing secured business loans, specifically targeting entrepreneurs with informal income, often operating in the underbanked, challenging markets of India. Our focus is to help businesses grow by offering credit solutions, even when formal documentation is scarce.
Our founders, Arvind Hali and Rohit Tiku, have over two decades of experience in retail lending. With an unwavering passion for transforming the lending landscape, they envisioned Abhiyan Capital to unlock financial opportunities for millions of micro-entrepreneurs, delivering simple and accessible credit solutions across the country.
India is home to over 20 crore self-employed households, many of which are located in 6 lakh villages and are underserved by traditional financial institutions. Despite contributing significantly to the economy, these businesses often face credit shortages due to their informal nature. Most lack the necessary income documentation and standard collateral banks require, leaving them outside the realm of formal credit systems.
This gap in access to finance is a critical problem that hampers the growth and potential of micro-enterprises. Without access to proper funding, these businesses struggle to expand, leading to stagnation and missed opportunities for economic development.
At Abhiyan Capital, we believe that technology is the key to solving the credit access challenges faced by small businesses. However, the technology must work with traditional physical presence and create a Phygital Business Model. By combining deep industry expertise with cutting-edge technology, we are building a system that addresses the specific needs of micro-enterprises and ensures seamless credit solutions. Our approach involves:
Secured Business Loans:
We offer loans secured against property ( even if the property is nonstandard) without the need for formal income documentation, making it easier for micro-enterprises to access credit.
Tech-Enabled Credit Decisions:
Leveraging advanced algorithms and data analytics, our technology stack automates credit evaluation, enabling instant credit decisions. This allows us to serve small businesses quickly, ensuring they receive the funds they need in real-time.
System-Based Risk Management:
Our tech-enabled risk management platform centralizes control, reducing human error and ensuring that risk assessment is efficient and reliable, even as we scale rapidly.
Cost Efficiency through Automation:
By automating key processes such as underwriting, loan disbursement, and collections, we reduce operating costs. This enables us to offer more affordable financial solutions, providing us with a competitive pricing advantage.
Scalability and Expansion:
Technology allows us to scale our operations across regions without compromising the quality of our portfolio. As we expand, we maintain efficiency and ensure consistent service standards, reaching more underserved businesses across the country.
Extensive Distribution Network:
Supported by both physical and digital channels, our operations span across NCR, Haryana, Rajasthan, and UP, making our services accessible to small businesses in even the most challenging markets.
Abhiyan Capital is led by a team of experts with over 25 years of experience in retail lending and financial services. Our leadership team has a proven track record of building successful businesses in complex environments, which enables us to understand the unique needs of underserved segments.
Our founders, Arvind Hali and Rohit Tiku, have played pivotal roles in some of the largest financial institutions in India. They have navigated the challenges of lending to informal sectors and bring this wealth of knowledge to Abhiyan Capital. Coupled with our passionate team and growing presence across multiple regions, we are well-positioned to solve this critical gap in the market.
At Abhiyan Capital, our strategy is built on three core pillars—Accessibility, Availability, and Affordability. These pillars guide our approach to providing financial solutions and building a long-term competitive advantage:
Accessibility: We are committed to being the most accessible financial partner for small businesses, with a vast and expanding distribution network. Our multi-channel distribution strategy will enable us to reach underserved markets and establish an early-mover advantage in locations before serious competition arrives. This extensive network will include:
Partnerships:
We will form strategic partnerships with local businesses, financial advisors, and community leaders, creating referral pipelines that connect us directly to small businesses in need of financial services.
Branch Network:
Expanding our branches into small towns and rural areas will allow us to be closer to our target customers. We will engage in local area marketing activities to generate awareness and build trust within the community.
Digital Channels:
By leveraging online platforms and digital marketing, we will increase our reach and make our services more accessible to a wider audience. Our digital presence will ensure customers can engage with us at their convenience, wherever they are.
Business Correspondents:
We will develop and enroll a wide network of Business Correspondents who share our business philosophy and act as virtual branches. These correspondents will serve as our extended arms, reaching customers in areas that may not have immediate branch access.
Our Tech-Enabled Risk Management System will play a crucial role in facilitating this rapid expansion. By mitigating risks typically associated with fast growth through system-based controls, we can scale with confidence, ensuring portfolio quality and operational efficiency without being overly dependent on human oversight.
Availability: Abhiyan Capital will stand out as the most reliable financial partner, always available to meet the evolving needs of our customers. Our advanced loan processing system is designed to deliver the fastest turnaround times in the industry, ensuring customers receive loans precisely when they need them, in a seamless and efficient manner.
Faster Turnaround Time:
Our tech-driven loan processing system allows us to approve and disburse loans quickly, reducing the waiting time for customers. This gives us an edge in customer satisfaction and allows us to attract and retain more customers.
Lifecycle Financing:
We aim to deepen our engagement with customers by becoming their long-term financial partner. As their needs evolve, we will offer a variety of financial products such as small-ticket business loans, two-wheeler loans, and commercial vehicle loans, delivered instantly to existing customers. This ensures customer loyalty and superior traction over time.
Affordability : Our goal is to be the most affordable player in this segment, offering competitive interest rates and flexible repayment terms. Technology will be central to our ability to maintain low operational costs while delivering high productivity and portfolio quality, giving us significant pricing power.
Tech-Enabled Efficiency:
By automating key operational processes, we can significantly lower costs, which allows us to offer better pricing than competitors. This affordability is combined with flexible repayment structures that suit the unique needs of small businesses.
Competitive Rates:
Our efficient, tech-driven operations give us the ability to offer lower interest rates without compromising on the quality of our service. This makes us the preferred financial partner for micro-enterprises, enhancing our ability to scale rapidly.
Our Vision for the Future
By solving the access-to-credit problem for micro-enterprises, Abhiyan Capital aims to contribute to India’s larger economic growth. Our vision is to make formal credit a reality for millions of small businesses, fostering financial inclusion at the grassroots level. As we expand our reach to more regions and continue to develop our technological capabilities, we are committed to being the go-to financial partner for micro-entrepreneurs.
Together, we are not just lending money—we are enabling dreams, creating opportunities, and fostering sustainable growth for the future.
