Micro-credit for the 190 million India left behind.
Loans from ₹2,000 to ₹50,000 underwritten on platform earnings data — not salary slips, not bureau scores. Repaid through future payouts on the same wallet.
Talk to us
Earnings → underwriting → payout-netted repayment.
A worker's payout history on a Paynorma-integrated platform is itself the credit application. Disbursal is instant; repayment is automatic.
No CIBIL required
First-time-to-credit borrowers approved on platform earnings data alone.
Disbursed in minutes
Funds hit the same worker wallet that already receives daily payouts.
Repaid at source
Each future payout nets the EMI before it ever reaches the borrower.
The collections problem is solved before the loan exists.
Because repayment is netted from incoming earnings on the same wallet, Paynorma never has to chase a borrower. The platform earnings stream is the collateral.
Target default rate: under 1.5%. NIM on the credit book: 10–14%.
Ready to plug Paynorma in?
30-minute call. We will walk you through what one signup unlocks.