Investor Overview
Financial Access Designed for Real Life
Credit Plus connects India’s non-fixed-income population — gig workers, delivery partners, students, drivers and small merchants — to formal banking, savings and credit, through a technology platform built on regulated partner-bank rails.
“Your income may be irregular. Your financial future doesn’t have to be.”
The Problem
Millions earn every day. Almost none of it counts on paper.
India’s non-fixed-income workforce is growing fast — gig workers, delivery partners, students, drivers, small merchants. Formal credit wasn’t built for how they actually earn.
Indians earning outside a fixed monthly salary
of India’s workforce works informally
have access to a formal credit product
Figures are illustrative approximations used to frame the opportunity, not sourced third-party statistics.
The Vision
One Platform. Multiple Financial Journeys.
Every customer starts with access — and builds a track record that grows with them.
First Credit
A starter credit product opens the door to formal finance.
Banking
A digital banking relationship anchors every transaction.
Savings
Structured saving habits build financial discipline.
Track Record
Every transaction becomes verifiable credit history.
Credit Growth
Track record unlocks higher limits and better terms.
Asset Financing
Long-term financing for vehicles, equipment and more.
The Platform
Three Journeys. One Infrastructure.
Purpose-built pathways for the three people who move Credit Plus forward.
Customer
Apply for a starter RuPay credit card, build a financial track record, and grow into savings and credit products.
Merchant
Accept payments by QR, manage cash flow, save digitally, and unlock merchant credit as revenue grows.
CSC Partner
India’s Common Service Centre network extends Credit Plus into underserved geographies through assisted, in-person distribution.
Flagship Product
The Micro RuPay Credit Card
A deliberately low-friction entry point into formal credit.
Indicative terms only. Final limits, fees and eligibility are set by the issuing partner bank and subject to change.
How It Works
Technology & Distribution. Not a Balance Sheet.
Credit Plus originates demand and delivers the experience. Regulated partners underwrite and hold the risk.
Choose Your Journey
Customer, merchant or CSC-assisted.
Complete Registration
Simple, mobile-first onboarding.
Select Financial Product
Credit, banking or savings.
Submit Application
Routed to the relevant partner.
Partner Review
KYC and underwriting by the bank or NBFC.
Get Decision
Approval and activation.
Partner banks and NBFCs own KYC, underwriting and approval. Credit Plus owns reach, experience and data.
Roadmap
Built in Phases. Designed to Compound.
Each phase deepens the relationship, and the data, before the next begins.
Micro Credit
Launch the Micro RuPay Credit Card and establish the first credit relationship.
Merchant Banking
QR payments, merchant savings and merchant credit.
Structured Savings
Daily, weekly and monthly savings products.
Consumer Financing
Asset and consumer financing for vehicles, devices and more.
Why Credit Plus
Why Now
Simple
A guided journey, not a paperwork maze.
Accessible
Built for mobile-first, low-documentation reality.
Technology-Enabled
Digital journeys replace manual underwriting friction.
Customer-Centric
Designed around real income patterns, not assumed salaries.
Partnership-Led
Regulated partners hold the risk; Credit Plus holds the reach.
De-Risked by Design
We Don’t Lend. We Connect.
Credit Plus is a technology and distribution layer. Partner banks, small finance banks and NBFCs hold the license, the balance sheet and the risk, including partners such as Shivalik Small Finance Bank.
Get in Touch
Let’s Build Formal Finance for Real India
We’re raising to accelerate the roadmap, from Micro Credit to full-spectrum financial access for India’s non-fixed-income workforce.