Helping Rural India Shape its Future
Aadhar India aspires to succeed precisely where other institutions have either failed or are struggling. By combining advanced digital technologies, smart underwriting approaches, and a highly efficient process, Aadhar India makes financial products available to rural women quickly and conveniently.
Microloans and Other Solutions
Aadhar India provides doorstep credit services to rural women quickly and affordably, under the highly successful model of “shared liability”, without demanding any collateral from them. They also get a variety of financial solutions, including insurances, savings, and investment options to expand their income sources.
Easy and inexpensive credit can help rural Indians achieve their life goals – be it good education, quality healthcare, investment opportunities, and more. Our financial solutions are designed to help them realize their life goals and develop a financially smarter and self-sufficient household.
Financial and Digital Literacy
Aadhar India raises awareness about the various financial products and social upliftment opportunities available to rural Indians. Aadhar India also provides digital literacy services to women and enable them to access financial and digital banking solutions.
People with poor credit history get guidance on how to improve their credit history. Everyone is educated of the investment opportunities as well as the welfare schemes available to them. Every effort is made to bring low-income, marginalized households into the mainstream financial system and digital economy.
Aadhar India Works because It’s Unique and Sustainable
01
Smart, Sustainable
and Progressive
We make use of a proprietary underwriting process that combines demographic, economic, medical, behavioural, and credit history of the applicant to assign them credit scores. As a result, our risk exposure is significantly reduced in comparision to traditional microfinance institutions.
Extensive data collection makes household-level profiling possible, enabling Aadhar India to deliver highly customized solutions to customers. Applicants with low credit scores are educated on how to improve their score. The approach improves the credit culture in the rural economy while limiting our risk exposure.
02
Truly Digital: End
to End
Aadhar India offers end-to-end services to the customers at their doorstep, including the application process, document collection & verification, service delivery, and everything else.
Aadhar India has deployed a service partner app to simplify the customer onboarding and loan management processes. The customers too are able to track their loans, savings, and investments digitally through the dedicated customer app. They are now able to plan better and be more financially responsible.
03
Disuptively Efficient
We disburse 100% cashless microloans 70% faster than most other microfinance companies. Even the repayment collections process is digitized and entirely cashless.
We eliminate redundancy, distributed infrastructure, and a bulk of the operational inefficiencies in the traditional microfinance structure. The resulting cost savings enable to us to offer highly competitive microloans to our customers. As a result, we are able to maximize customer satisfaction which is guaranteed to improve customer retention.
04
Easy Credit When
It Matters
Aadhar India offers easy and timely credit to rural women, freeing them from the debt traps laid out by the informal channels.
Unlike the traditional channels, Aadhar India does not demand collateral from them. They are also not required to forgo precious daily wages to grind through the application process by visiting the banks. This also saves them the additional transaction costs involved with visiting branches miles away. Most important of all, Aadhar India’s financial solutions are tailored to each customer’s unique needs.