The model that scales last-mile credit.
India's credit gap can't be closed by any single lender. It needs partnerships between digital-first originators who reach customers efficiently and NBFCs like us who have the on-ground branch network for collections and customer service. The RBI's Co-Lending Model framework was designed exactly for this.
We've been an active co-lending partner since 2020, working with fintechs including Money View, Janasha Finance, LoanTap, OTO, Prest Loans, Swastik Finance, Livfin, True Balance and others. We bring institutional credit discipline; our partners bring digital origination at scale.
Partnership structures we support.
RBI Co-Lending Model
80:20 risk-sharing between us and partner NBFC/bank as per RBI's Co-Lending Model framework, with joint underwriting.
FLDG Arrangements
First-Loss Default Guarantee structures within RBI guidelines for digital lending guidelines (DLG).
Business Correspondent
Where you originate as a BC and we book on our balance sheet — useful for emerging fintechs not yet RBI-regulated.
What we bring to the partnership.
- RBI-registered NBFC balance sheet — over a decade of operating history
- 50+ branch network across Haryana, Rajasthan and UP for field operations and collections
- 23+ lender consortium providing diverse funding mix
- Credit underwriting expertise — particularly strong on MSME, vehicle and LAP
- API-led integration stack — origination, KYC, e-NACH, disbursement, repayment APIs
- Regulatory compliance — quarterly returns, CIBIL reporting, KYC/AML, Fair Practices Code
- Customer service infrastructure — grievance redressal, helpdesk, customer education
Our partner ecosystem.
- Money View — Personal lending co-origination
- Janasha Finance — MSME co-lending
- LoanTap — Salaried personal credit
- OTO — Two-wheeler financing
- Prest Loans — Consumer durables
- Swastik Finance — Rural & semi-urban lending
- Livfin — Healthcare financing
- True Balance — Small-ticket personal loans
- Samavesh Finserve, PumPumPum, Shiprocket — and other emerging partners
Frequently asked questions.
What's the typical risk-sharing split?
Under the RBI's Co-Lending Model, the bank/NBFC partner takes a minimum 20% share of each loan, with the originating lender taking the balance. Our typical arrangements are 80:20 to 75:25. FLDG-based structures and BC-style arrangements can vary based on the partner's regulatory standing.
How quickly can a partnership be launched?
From initial discussion to first co-originated loan: typically 6–10 weeks. This covers commercial discussions, legal documentation, technology integration (~3–4 weeks), pilot batch testing and go-live.
What technology integration is required?
We provide REST APIs for loan origination, KYC verification, sanction issuance, e-NACH registration, disbursement, repayment tracking and customer service. Our integration team supports your tech team through implementation and goes live with sandbox testing first.
Who handles customer service and collections?
Front-line customer service is typically handled by the originating partner. Field-level collections in our geographies (Haryana, Rajasthan, UP) leverage our 50+ branch network — one of the strongest reasons partners choose us. Grievance redressal is jointly handled per the partnership agreement.
What's the minimum partnership ticket?
We typically look for partnerships with projected first-year co-origination volume of ₹5 Crore or more. For early-stage fintechs with smaller projections but strong underwriting models, we structure pilot programs at lower thresholds.
How do I initiate a partnership discussion?
Email partnerships@growmoneycapital.com with a brief about your company, business model and partnership requirement. Our partnerships team will respond within 2 working days to schedule an exploratory call.