Niyogin Fintech Ltd is a fintech company and a registered NBFC.
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The Co. provides a digital platform that enables access to relevant services & products for MSMEs providing financial inclusion, credit, investments and SAAS services.
Business Offerings
Financial Inclusion:
It includes Domestic Money Transfer, Aadhaar Enabled Payment System, Micro ATM, among others.
Investment:
Direct plans for Mutual Funds, Advisory and Fin. Planning, Insta cash, Corporate Deposit, Bonds, etc.
White Labeled Investment Platform (For distributors):
It supports investment in direct and regular mutual funds.
Institutional Offerings:
Corporate Treasury(Assistance to corporates in investing their idle funds), Analytics Solution (Build customer portfolios using Analytics)
Credit Solutions:
It Offer a wide variety of Secured loans (such as Loan Against Property, Home Loans, Balance Transfer etc) & Unsecured loans (Business Loans, Working Capital loans, etc) [1]
Business Verticals
Rural Tech- iServeU, which is the Co.’s ‘Banking as a Service’ (BaaS) platform, serves the Rural Tech segment. Rural Tech product stack includes Transaction-led Credit, Aadhaar Enabled Payment System (AePS)/Micro-ATM (M-ATM), Bharat Bill Payment System (BBPS), Domestic Money Transfer (DMT), Aadhaar pay, and Microinsurance.
Urban Tech-
Through this segment, the Co. serves the MSMEs on two fronts – Credit aggregation and Wealth Tech. The Wealth Tech segment is served by the Moneyfront platform. The Credit product stack includes unsecured working capital loans, transaction-centric short duration loans, and secured loans. The Wealth tech product stack includes - Direct-to-Individuals Platform, SaaS B2B Platform, and Wealth Analytics Platform.
Target Customer
A majority of the target customer base is the MSMEs, who traditionally have operated in an informal setup without any regulations.