A government-backed business loan, right from your phone
PehchanPe helps street vendors and small business owners get government-guaranteed loans from trusted banks and NBFCs. Start with a free financial health check: your PehchanPe Pulse report shows where you stand and connects you to lenders you qualify for.
Get Your Pulse Report
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Why borrowers choose PehchanPe
From your first eligibility check to your last instalment, everything happens digitally, with a local agent to help whenever you need one.
Apply from your phone
No forms, no photocopies, no branch visits. Your application is completed digitally in minutes.
Your documents, fetched securely
With your consent, your KYC documents come directly from DigiLocker and other government sources. Nothing to upload.
Bank statement, simplified
Connect your bank account securely through the RBI-regulated Account Aggregator network. No printouts required.
Fair credit decisions
We look beyond credit scores, so first-time borrowers with no credit history also get a fair chance.
A local agent by your side
Trained PehchanPe agents in your area help you apply, understand your loan, and stay on track.
Repay with a simple QR scan
Pay small daily instalments by scanning your PehchanPe UPI QR code. No bank visits, no due-date stress.
Government-guaranteed loans
Loans under CGTMSE and PM SVANidhi are backed by Government of India guarantee schemes and offered by RBI-regulated lenders.
No surprises
Clear terms, transparent charges and reminders before every instalment, aligned with RBI's Digital Lending Guidelines.
Powerful Strategic Partnerships
Leveraging enterprise-grade infrastructure and strategic alliances with industry leaders to deliver unparalleled value and scalability
SIDBI
Lending PartnerSmall Industries Development Bank of India (SIDBI) is the principal financial institution for the promotion, financing and development of the Micro, Small and Medium Enterprise (MSME) sector in India.
AU Small Finance Bank
Lending PartnerAs India's Largest Small Finance Bank, we offer hassle-free banking services online. Explore our wide range of products like Savings Account, Credit Cards and Loans.
Muthoot Fincorp Limited
Lending PartnerMuthoot Fincorp is a leading financial services company in India, offering gold loans, micro business loans, and property loans across rural and semi-urban areas.
Light Microfinance
Lending PartnerLight is a leading finance company in India, with its headquarters in Ahmedabad, Gujarat. The company provides financial products and services in rural and peri-urban areas.
Hero FinCorp
Lending PartnerHero FinCorp is a leading Indian NBFC, an associate company of Hero MotoCorp, offering personal loans, two-wheeler loans and MSME financing across India.
Know where you stand with PehchanPe Pulse
- Free financial health report
- See the loans you qualify for
- Apply to trusted, RBI-regulated lenders
Incubated with RBIH
PehchanPe was incubated with the Reserve Bank Innovation Hub and won the RBIH Swanari TechSprint 2022.
Stories from our borrowers
Street vendors and small business owners across India use PehchanPe to grow their businesses. Here is what they say.
Komal Tekwani
Momos Seller, Jaipur
"Getting a loan from PehchanPe was so easy. I can now get a new cart, increase the number of menu items, and charge more to earn more, to expand my business."
Hanuman Prajapati
Matka Seller, Jaipur
"I have been selling earthen pots since last 40 years. Through PehchanPe I was able to open an account and get a loan of Rs 10,000 within two days to expand my business."
Jhuma Bano
Vegetable Seller, Jaipur
"I have been a seller for Ten years. Through PehchanPe I was able to get a loan of Rs 10,000 and expand my business and was able to achieve significant growth."
Ready to grow your business?
Get Your Pulse ReportStart with a free financial health check on PehchanPe Pulse. Your Pulse report shows where you stand and lets you apply to the lenders you qualify for.