35
Financial Institutions
$
3.5
Disbursement
75
Cities
2.5
Members
Cultivating Financial Self Reliance and Growth of underserved micro, small and medium enterprises and Next Half Billion
Vision
Cultivating Financial Self Reliance and Growth of underserved micro, small and medium enterprises and Next Half Billion.
Mission
A physical platform that integrates all aspects of lending and drivers that promote financial self-reliance and growth of the users of the platform by leveraging state of the art technologies.
Differentiators
The microfinance industry reported a healthy 24% CAGR over FY18-23 despite high inherent business cyclicality. In FY23, the Gross Loan Portfolio of microfinancing loans was $35B. As per CRISIL, the microfinance industry is likely to post a CAGR of 18-20% over FY23-25 to $50B. Today, around 40% of total MSME credit demand is still served by informal sources of credit which are subject to exploitation and fraud. Unlike existing lending platforms in marketplace, Kapiital Kapslock leverage technology to provide fraud-proof, transparent digital financing platform that unlocks the economic value of valuable collateral of the MSMEs and enable them to grow financially to the next level and increase their ability to create additional jobs and opportunities.
A trusted, transparent, cost-effective, SaaS platform, marketplace for Borrower, Lender, Agent that is transformational and redefining. The platform integrates:
- Transparency, Traceability and Accountability through Distributed Ledger Technology based on blockchain.
- AI/ ML and AR based phygital KYC that is comprehensive, drastically reducing the lending risks.
- Proprietary and dynamic credit rating algorithm developed by Kapiital that goes far beyond the existing credit ratings, yet building on them, again significantly reducing the lending risks.
- State-of-the-art dashboards and analytics with customizable reports.
- Significantly enhanced credit rating system beyond what is available today.
Customer Benefits
We provide best in class solution for NBFC, MFI, Nidhi Companies, Cooperative Societies, Rural Banks or any other financial institutions.
- 150% Funding Utilization.
- 90% Reduction in manual tasks.
- Increased Business Growth.
- Reports and Analytics in Real-Time.
- Lead Generation.
- Distributed Ledger Technology.
- Collection of relevant documents.
- Verification of Records.
