Personal credit
Short-tenure personal loans from ₹5,000 to ₹1,00,000, decisioned on salary flow and bureau behaviour instead of a single cutoff.
Day oneBuilding in Gurugram · Launching nationwide · NBFC-partnered
हर भारतीय का वित्तीय मित्र
One platform for credit, payments, protection and wealth — engineered for the India that formal finance still hasn't reached. Every income type. Every sector. Every pincode.
Public launch · 26 January 2027
What we're building · Eight sectors, one rail
A salaried borrower, a kirana owner, a farmer and a delivery rider need different products — but the same underwriting intelligence, the same KYC, the same rails. We're building that layer once, and opening it to every sector.
Short-tenure personal loans from ₹5,000 to ₹1,00,000, decisioned on salary flow and bureau behaviour instead of a single cutoff.
Day oneGST returns, UPI settlements and bank cash-flow read as proof of repayment capacity — working capital for the shop as much as the firm.
Day oneCollections, auto-mandates and payouts on one ledger, so repayment is as frictionless as the disbursal was.
Day oneCredit life, health top-ups and device cover attached at the point of borrowing, priced for ticket sizes the market usually ignores.
Phase 2Recurring deposits, micro-SIPs and goal pots that start at ₹100 — built for first-time savers, not portfolio managers.
Phase 2Loans against gold, property and vehicles, with doorstep valuation in the towns where secured lending still means a day's travel.
Phase 3Harvest-cycle repayment, FPO-linked credit and input financing that understands a season, not a 30-day calendar.
Phase 3Any platform — commerce, mobility, EV, payroll — can offer credit at checkout through one set of APIs and our risk engine.
Phase 3The engine · Underwriting is the product
MitraaPay is being built by people who have run live lending books — credit policy, scorecards, collections and regulatory model governance. The platform is the risk engine; the app is just where it surfaces.
CIBIL and CRIF enquiries run as soft pulls, so checking eligibility never costs the applicant a point on their score. Tradelines, DPD history and enquiry velocity feed the policy layer directly.
For thin-file and new-to-credit applicants, UPI activity, utility and rent behaviour, employer stability and device signals build a first score — so no bureau file is a starting point, not a rejection.
Consent-based statement pull, salary-credit detection, bounce and obligation mapping, and a computed FOIR — all inside the application journey, with no PDF uploads or passwords.
Policy rules and an ML scorecard run in the same decision call: eligibility, limit, pricing and tenure returned in seconds, with every rule hit logged for audit.
Geography is a risk variable in India, and so is recovery capacity. Portfolio performance is modelled down to the pincode and fed back into policy every cycle.
Documented model development, validation, drift monitoring and periodic revalidation aligned to RBI's model risk expectations — built in from the first scorecard, not retrofitted at inspection.
Why now · India's credit gap is a design problem
Not because they can't repay, but because the industry built its products around a payslip and a metro pincode. That is a design choice — and design choices can be rebuilt.
Figures describe the market we are building for and our own design targets, not current MitraaPay performance. Replace with audited numbers at launch.
Roadmap · What happens next
Q4 2026 · In progress
Company and licensing groundwork, NBFC lending partnerships, core banking and bureau integrations signed.
Q1 2027 · Launch
Personal loans and UPI collections open to the public, starting with salaried and self-employed applicants.
Q2 2027
GST-linked working capital, merchant credit lines, and insurance attached at the point of borrowing.
Q3 2027
Gold, agri and rural credit, plus a public API so any platform can embed MitraaPay underwriting.
Early access · Be first in the queue
Borrower, business owner, lending partner or developer — tell us who you are and we'll reach out in order, before the public launch.
Talk to us · Partnerships open now
hello@mitraapay.com
partners@mitraapay.com
Gurugram, Haryana, India