Our Story

Building Credit for the Backbone of India

India runs on small retailers

From kirana stores and pharmacies to electronics shops and neighborhood distributors, more than 50 million small businesses keep the economy moving every single day. Yet for decades, these entrepreneurs have faced one persistent challenge—access to timely, fair, and reliable credit.

Traditional lending systems were never designed for high-frequency, cash-flow—driven retail businesses. Lengthy documentation, collateral requirements, slow approvals, and poor last-mile reach have kept millions of capable retailers underserved.

Retail Pe was built to change that.

Why Retail Pe Was Founded

Our founder, Kaushik Chatterjee, has spent over 33 years in retail and MSME financing. Across cycles, geographies, and market conditions, one insight remained constant:

Retailers don’t fail because of lack of demand. They fail because credit doesn’t reach them when it matters most. Retailers don’t fail because of lack of demand. They fail because credit doesn’t reach them when it matters most.

RetailPe was born from this belief—to create a modern, technology-driven credit platform that understands the realities of small retail businesses and delivers capital at the speed of commerce.

What We Do

RetailPe is a fintech-enabled lending platform with NBFC capabilities, purpose-built to empower small retailers and micro-entrepreneurs with:

Instant, paperless digital onboarding
Fast access to working capital and business loans
Flexible repayment models aligned to real cash flows
Credit access for even first-time and zero-history borrowers

Our platform removes friction from lending and replaces it with speed, transparency, and trust.

How We Do It Differently

At the core of Retail Pe is our proprietary Smart Platform Technology,powered by:

TrueScore™ Credit Engine — Advanced underwriting that goes beyond traditional bureau scores
Zero-history credit assessment using transaction and behavioral signals
Risk-first lending approachfocused on sustainability, not just growth
Cash Flow base repayment DEI (Daily Equated Instalments)

This allows us to responsibly scale credit while maintaining strong portfolio quality.

Proven Traction

Retail Pe is already making an impact on the ground:

65,000+ customer onboarded
₹968 crores’ loan processed toward working capital needs
99% repayment disciplineachieved

We are proud to be trusted by retailers and ecosystem partners alike.

Our Vision

Our vision is to become India’s most trusted digital credit partner for retailers—one that enables millions of
small businesses to stock better, sell more, and grow sustainably.

At Retail Pe, we don’t just lend money

We power ambition, resilience, and growth at the heart of India’s retail economy

Founder’s Note

When I began my journey in retail and MSME financing over three decades ago, I saw first-hand how critical timely working capital is for small businesses. Strong retailers with healthy demand often struggled—not because their businesses were weak, but because retailer loans and formal MSME credit were slow, inflexible, or simply unavailable when they needed it most

At Retail Pe, our mission is deeply personal. We are building a responsible, technology-led lending platform that understands the realities of daily cash-flow businesses and delivers working capital solutions that are fast, transparent, and sustainable. Our focus has always been to create long-term value—not just for retailers, but also for our lending partners, investors, and the broader financial ecosystem

As we scale Retail Pe, we are actively engaging with investors, financial institutions, and ecosystem partners who share our belief in inclusive growth. We see strong potential for co-lending opportunities, balance-sheet partnerships, and strategic collaborations that can responsibly expand access to credit across India’s retail economy

Our vision is clear: to build India’s most trusted digital credit platform for retailers—one that combines prudent risk management with deep last-mile impact

— Kaushik Chatterjee
Founder & CEO, Retail Pe

Retail Pe is a fintech platform with NBFC (Ayush Fiscal Pvt Ltd) capabilities. All lending activities are conducted in compliance with applicable RBI guidelines.