Making Financial Services Affordable And Accessible for The Next 100 Million Households

Ratan Tata

“Avanti will be a platform to impact the poor through credit at individual and community levels to create a lasting improvement in their livelihoods and standard of living, ushering prosperity.”

Dr. Vijay L. Kelkar

"Appreciating the commendable initiative, it is important to acknowledge that access to credit at an affordable cost is still a challenge."

Nandan Nilekani

“In India, people who really deserve loans don’t get them, but today’s technology makes it possible to do things very differently.”

Avanti Edge

The heart of Avanti's strategy is centred around its hyperlocal, hyperflexible digital spine for population scale. This is the foundation on which Avanti will scale. This digital spine will encode all the sophisticated thinking & modelling and instruments into a set of easy-to-access APIs layered within the app that adapts itself to versatile roles.

Hyperlocal Products

Co-creating products focused on customer livelihood by matching their cashflow and end-use by crowdsourcing data through 60+ partners.

Pure Digital

Technology entrenched in each stage of operations allows for a paperless, presence-less and cashless approach.

Platform Play

Connecting diverse pools of capital/products to end users through an assisted model driving holistic financial inclusion.

Rural And
Semi-Urban

60% NTC And Underserved

90% Woman Borrowers

Engaged In Livelihood Value Chain Activites

Next Gen Financial Inclusion Platform

Designed For Population Scale

Highly scalable operations enabled by platform resulting in lower cost of operations moving away from high-cost brick & mortar and high headcount model that are both expensive & have limited scalability.

Co-creation Centric Platform

Hyperlocal livelihood product innovation facilitated by partners ensuring mass customisation at scale tailored to the needs of our users for different livelihoods.

Crowdsourcing

Focused on financial inclusion - where everything from the curation data, the product design and livelihood models are all crowdsourced from the local community to build a trust score for an otherwise data-dark customer.

Livelihood Centric

Anchoring solely on products designed to support livelihood, combined with digitisation of social trust, decreases risk by shifting focus from ensuring repayment to establishing livelihood expansion, thereby enabling the borrowers to repay loans.

Diverse Capital Pools

Driven by a minimalistic, API-driven architecture enabling rapid deployment of capital for distinct purposes solving for priority sector lending, geographical expansion, acquisition digitisation, deployment of capital to new target segments, debt for specific loan programs etc.

Open-Access, Flexible Digital Platform

Avanti platform is an open-access digital financial spine, flexible enough for users and partners to create, curate and deploy the financial products they need in a touchless, presenceless and cashless interface with our users.

Democratizing Financial Access

Unmatched access to financial services for the underserved customer through hyperlocal product development with partner inputs Cashflow based customised products.

Paperless, Presenceless And Cashless

Paperless : Digital end-to-end journey.
Presenceless : The ability to deliver financial services through local networks.
Cashless : Designed for multiple digital repayment alternatives.

Sustainable Impact

Hyperlocal livelihood product innovation facilitated by partners ensuring customization at scale, Low cost, and highly scalable operations.

Partners

Avanti’s partners bring the societal platform construct to life by delivering on the operating principles of “Presenceless, Paperless and Cashless”. Our partners help create a digital footprint for borrowers and provide nuanced inputs into the borrowers' credit, capacity and character. Avanti’s partners truly unlock the power of social networks with their presence and expertise across livelihood value chains.