Unlocking Capital for the Missing Middle
Over 63 Million Micro, Small, and Medium Enterprises (MSMEs) in India generate nearly 30% of GDP, yet remain underserved by formal banking channels due to a lack of audited balance sheets.
MicroFin, founded by banking veteran Pankaj Poddar, bridges this gap by deploying field-assisted digital appraisals. Instead of relying solely on CIBIL scores, MicroFin assesses cash velocity through daily UPI merchant settlements and warehouse inventory audits.
Technology Meets Physical Distribution
Poddar describes MicroFin as a "Phygital" lender: local relationship managers operate on mobile tablets, capturing biometric e-KYC and digital land records within 24 hours of loan application.
