Welcome Banks to
Retail Pe Partnership
Retail Pe Partnership
Banks
No last mile reach
MSME ticket sizes are small
High CAC — Branch Cost
Thin-file — No formal doc’s
Legacy CBS — Traditional Credit Decisioning
EMI centric collection, not cashflow linked
MSME-Retailer’s
Low on Stock
Thin Borrowing
No access to formal credit
Manual KYC,
collateral heavy and complex procedures
| Bank Concern | Retail Pe Capability |
|---|---|
| Thin-file MSMEs | True Score + POS/GST |
| Legacy IT Legacy Core Banking | API-first stack |
| Compliance | RBI-aligned flows |
| Fraud | Multi-layer detection |
| Portfolio Concentration | Zero Concentration |
| High CAC | Embedded merchant ecosystem |
| Collections | Hybrid digital + field |
| Audit trails | Explainable models |
Instant digital onboarding via Mobile/Web
Automated credit analysis via True Score
Quick loan processing and limit assignment
Direct credit access
Smart Dashboard to track limits & offers
Instant digital onboarding via Mobile/Web
Automated credit analysis via True Score
Quick loan processing and limit assignment
Direct credit access
Smart Dashboard to track limits & offers
Key Feature: First of its kind unique collection model designed to minimize default friction
Empowering Retailers with Smart Credit: Retail Pe is a fintech platform with NBFC capabilities, empowering India’s 50+ million retailers and micro-entrepreneurs. Backed by 33+ years of financing legacy and driven by our proprietary Smart Platform Technology, we enable fast, reliable, and accessible credit—making us the trusted credit partner for growing small businesses across India
Increased MSME reach and offtake, improved topline sales with quality asset
Reduced working capital stress, faster primary sales, improved liquidity increased stock capacity, stronger cash flows, Higer Margin
Increased stock capacity, stronger cash flows
Configurable API’s - Fast "plug-and-play" integration
Configurable LOS - Pre-built workflows to quick launch
Credit Rules Engine enables True Score TM (AI) technology with smart FI feature’s
Ready to use customisable mobile application for customer onboarding
CRM-Smart Dashboards, Portfolio visibility, real-time tracking
RetailPe a fintech platform empowering India's small retailers and micro-entrepreneurs with access to instant, paperless credit opportunities with NBFC capabilities Ayush Fiscal pvt. ltd
“Innovation must serve the common entrepreneur. If technology doesn't simplify life for a small retailer, it's not complete." -
Kousik Chatterjee
India's retail ecosystem-is driven by over 60million small retailers, face severe credit limitations
Despite contributing a massive share of national consumption, this segment remains under-financed.