Opta Credit Fintech Private Limited

CredRight is a digital lending non-banking financial company (NBFC) based in Hyderabad, India, founded in 2016. The company specializes in providing unsecured, collateral-free working capital loans to micro and small businesses, particularly targeting subscribers of chit funds. With a mission to improve funding access for underserved enterprises, CredRight operates a unique "phygital" model that combines digital lending technology with a network of 125 branches across four Indian states. The company offers various loan products, including unsecured working capital loans up to Rs 15 Lakhs, short-term interest-only loans for chit fund subscribers, and personal loans. CredRight's digital platform allows for quick loan applications, with approvals within 24 hours and disbursal within three days. Utilizing machine learning and analytics, CredRight assesses creditworthiness based on over 800 data points, enabling it to serve first-time borrowers who may lack traditional credit histories. The company aims to bridge the significant credit gap faced by micro and nano enterprises in India.

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Credit Fair is an Indian fintech start-up that provides consumer-lending services. It solves the problem of lack of access to credit for individuals in India. The company operates in the financial services industry and is backed by K.M. Global Group. Credit Fair is a fintech start-up based in India that provides consumer-lending services. The company was founded in 2018 by Aditya Damani and is backed by K.M. Global Group, which has over 30 years of experience in financial services. Credit Fair has successfully obtained its NBFC registration from the Reserve Bank of India. The company aims to solve the problem of lack of access to credit for individuals in India. It uses technology to provide quick and easy access to credit for its customers. Credit Fair operates in the financial services industry and offers its services to individuals in India.

CreditMantri was created with the intent to change the way credit is delivered in India by leveraging the power of technology and the digital medium. CreditMantri aims to empower consumers to know their Credit potential and benefit from this knowledge. On the CreditMantri site, customers can access their Credit Scores, learn how they can improve their Credit health, resolve past issues, reduce current borrowing costs and in the process discover products best matched to their credit profile. The website provides the borrowers better control over their credit health by educating and hand-holding them to create or improve their credit scores and eventually discover relevant lender products. This approach enables lenders and borrowers to better understand each other by leveraging the power of data, resulting in efficient credit decision making. The services offered by CreditMantri to consumers with little credit history or negative credit history are unique and helps them build / re-build their credit history. Most importantly, in the process of doing this, CreditMantri matches these customers with the appropriate financial products/solutions based on their Credit standing. CreditMantri has emerged as the first in the market to offer a Free Credit Health Check Online – this includes getting the user his credit report and providing an analysis of the report online. CreditMantri aims to put consumers in the driver’s seat when they make a credit decisions. The diverse 50+ strong team with solid experience in financial services across the credit, collections and digital domains, have their energies focused on addressing the needs of lenders and borrowers of varying credit profiles and risk appetite.

InCred is a new-age financial services platform that leverages technology and data-science to make lending quick and easy. InCred is credit for Incredible India. We use technology and data-science to make lending quick, simple and hassle-free. We believe traditional ways of lending can exclude those most in need because of outdated, rigid and often inefficient processes. At InCred, we have simplified the lending process with a sharp focus on serving our borrowers’ unique needs and circumstances – offering our customers a truly superior borrowing experience.