Current Update · Live MIS
The ledger, as it stands.
A quiet, disciplined engine running out of two branches in the Bellary district — filtering ninety-two percent of applicants and lending only where the ground data agrees.
Live Traction · First 3 Months
₹0.0 Cr
Disbursals Achieved
~0
Loans Disbursed
₹0.0 L
Avg. Ticket Size
0 months
Avg. Weighted Tenure
0%
On-Time Repayment
₹1.5 Cr of early equity + debt raised to back the underwriting stack. Zero delinquency on-ledger.
The Journey
Built in public, one milestone at a time.
Dec 2025
Officially registered
Feb 2026
Partnership with Vani Commercials, BSE listed
Mar 2026
Opened first branch in Kurugodu, Bellary
Jun 2026
Opened second branch in Siruguppa, Bellary
Funnel Discipline
~7.5% approval.
By design.
400+ sourced files pass through a hardened gating grid; only ~30 prime merchants survive. Ledger quality is treated as the product — growth is the consequence.
Portfolio Quality
Rural prime, verified twice.
Weighted Age
38 / 34 yrs
Applicant / Co-applicant · peak productive horizon
Family Footprint
5.3 members
Anchored inside the operational grid
Verticals
10 non-correlated
Sector shock diversification by construction
Spatial Geofence
Every borrower, minutes away.
Inclusion, Underwritten
Where formal credit ends, our data begins.
0%
New-to-Credit book
0%
Female primary applicants
0%
Verified without PAN
Two active POC hubs — Siruguppa and Kurugodu — running a repeatable hub-and-spoke framework. Every number above is on-ledger, in production, and refreshed as the book grows.