#slicepay

[nickyysharmi]

10 Best Personal Loan Apps in India: Quick Cash at Your Fingertips

In today's fast-paced world, financial needs often arise unexpectedly. Whether it's for emergency expenses, travel plans, or fulfilling personal aspirations, having access to quick cash can be a game-changer. Thankfully, with the rise of technology, obtaining a personal loan has become more convenient than ever before, thanks to a plethora of personal loan apps available in India. Let's delve into the top 10 personal loan apps that can provide you with the financial assistance you need at your fingertips.

Understanding Personal Loan Apps

Before we dive into the list of the best personal loan apps in India, let's understand what these apps are all about. Personal loan apps are mobile applications that allow individuals to apply for and receive personal loans directly from their smartphones. These apps streamline the loan application process, making it faster and more convenient for users to access funds whenever they need them.

Factors to Consider

Before choosing a personal loan app, it's essential to consider various factors such as interest rates, repayment terms, processing fees, and customer reviews. Opting for a reputable app with transparent policies and favorable terms can make your borrowing experience hassle-free and cost-effective.

Top 10 Personal Loan Apps in India

MoneyTap: MoneyTap offers instant personal loans with flexible repayment options. With features like a line of credit and quick approval process, MoneyTap is a popular choice among borrowers.

Credy: Credy provides personal loans with minimal documentation and competitive interest rates. The app offers personalized loan options tailored to meet the unique needs of each borrower.

EarlySalary: EarlySalary is known for its lightning-fast loan disbursal process, allowing users to access funds within minutes. The app also offers budgeting tools and financial education resources to help users manage their finances effectively.

CASHe: CASHe offers hassle-free personal loans with no credit history required. The app uses advanced algorithms to assess the creditworthiness of borrowers and provides instant loan approvals.

KreditBee: KreditBee offers instant personal loans to young professionals and salaried individuals. The app's simple application process and quick disbursal make it a preferred choice for those in need of urgent funds.

LazyPay: LazyPay offers instant personal loans with flexible repayment options. The app also provides a convenient 'buy now, pay later' feature for online shopping, making it a versatile financial tool for users.

FlexSalary: FlexSalary provides instant personal loans with no collateral required. The app offers flexible repayment tenures and competitive interest rates, making it an attractive option for borrowers.

PaySense: PaySense offers instant personal loans with minimal documentation and quick approval process. The app also provides financial planning tools and credit monitoring services to help users improve their financial health.

SlicePay: SlicePay offers personal loans to college students and young professionals with no credit history required. The app's user-friendly interface and transparent policies make it a popular choice among millennials.

MoneyView: MoneyView offers instant personal loans with low-interest rates and flexible repayment options. The app also provides personalized financial insights and budgeting tools to help users manage their money better.

Conclusion

In conclusion, personal loan apps have revolutionized the way individuals access financial assistance in India. With features like instant approvals, flexible repayment options, and minimal documentation, these apps offer a convenient solution to meet short-term financial needs. However, it's essential to choose a reputable app that offers transparent policies and competitive terms to ensure a positive borrowing experience. So, explore the options mentioned above and find the personal loan app that best suits your requirements.

[stpaulscollegebangalore]

CORPORATE JOBS AT YOUR DOORSTEPS!! 10 STARTUPS/COMPANIES HIRING BCom GRADUATES IN 2023

Have you ever felt like working in the corporate world? Does reading about the famous CEOs and their work excite you? There are so many opportunities open to BCom graduates in 2023. The past few years in India have been revolutionary for the startup culture. These start-ups and established companies offer more than 10 lakh jobs to freshers every year. In this article, we will tell you about some famous companies that hire Bcom graduates so that you don’t miss out on opportunities.

Deloitte

Deloitte is a global name for auditing, insurance and consultancy services. They offer jobs to Bcom graduates who are skilled in accounting and are well versed with insurance policies. You can join their off-campus drives or apply directly to land a job in this esteemed company.

KPMG

KPMG is a renowned company that offers tax, audit and treasury services. They are always on the lookout for Bcom students that can provide accountancy services. You can apply to their firms directly or can get a job via campus placements.

Digital Lending business

In recent times startups like SlicePay, and KreditBee have seen massive growth in active users. They have made getting loans more straightforward and easier. These companies need commerce graduates to handle accounts and tallies. Interested candidates can apply to these companies.

FintechCompanies

Fintech companies like Paytm, BharatPe, GPayand PhonePe have changed the economic ecosystem of our country. They collectively account for 40% of jobs for commerce graduates. These companies hire Bcom graduates assessing their skills and previous work experience.

Accenture

Accenture is an Irish company well known for its IT and consultancy services. They hire people from both IT and accounts backgrounds. If you are someone who enjoys working with clients and handling accounts, go ahead and apply at Accenture.

Ernst and Young Private limited

EY is famous for providing consulting, tax benefits and assurance services. They have job vacancies at regular intervals. In big cities like Mumbai and Bangalore, they hire Bcom freshers. They offer both on and off-campus placements.

Private Banks

Private banks like HDFC, ICICI and AXIS banks hire most Bcom graduates. They offer consultancy services, insurance policies etc. Working under these banks gives students the required work experience and exposure.

PWC(Pricewaterhouse coopers)

Pwc is an international professional service network of firms and consulting agencies. This is one of the big 4 for hiring in the economic services sector. They hire Bcom students with exceptional academics and a keen interest in the field.

Small case

Small case is an Indian startup that works closely with the stock trading companies. It is mainly famous for making stock baskets and is used by more than 10 million people. If you are someone who knows stocks/shares and stock exchange, you will enjoy working at small case.

Razorpay

Razorpay is a payments service platform used by various e-commerce websites to handle their payment gateway. It leads the charts of payment services. Razorpay also hires Bcom students via off-campus drives.

HOW CAN ST PAULS COLLEGE, BENGALURU HELP YOU GET THESE JOBS

As a BCom graduate, you need to keep in mind that landing a job in these companies is not easy. You need to have excellent academic records and extra skills to land a decent job in these companies. St Paul’s Bangalore, we’re the Best UG College in Bangalore offering BCOM Degree with the best excellence of academics and understood the latest job trends and trained our students accordingly. Experienced faculty members guide students. We have various competitions where students can gain exposure. We have a placement cell that will guide the students in their careers. Last year more than 30 companies visited our campus, and many Bcom students were placed in reputed companies. For more information on these companies and startups, you can check their websites and see where your interest lies.

For more information about our courses, you can check St Pauls College website or read other articles to clear any further doubts regarding your career.

[awesometeennews]

Fintech firm slice raises Rs 46 crore in funding led by Japan-based Gunosy

Fintech firm slice raises Rs 46 crore in funding led by Japan-based Gunosy

[ad_1]

NEW DELHI: Fintech startup slice (formerly known as SlicePay) on Thursday said it has raised Rs 46 crore in funding led by Japan-based investor, Gunosy.

The pre-series B round also saw participation from US-based EMVC, Kunal Shah of CRED, Better Capital and existing investor, Das Capital, a statement said.

“This round of funding will help slice double its management team, explore banking…

[anuragsinghs-blog]

भारतीय स्टार्टअप स्टाल कोरोनावायरस प्रसार के उपाय करने के लिए सरकार से आग्रह कर रहे हैं के रूप में Coronavirus महामारी अब 110 से अधिक देशों में फैल गई है, और विश्व स्वास्थ्य संगठन (डब्ल्यूएचओ) प्रसार को रोकने के लिए अधिकारियों द्वारा आक्रामक कार्रवाई की मांग कर रहा है। के रूप में कई के रूप में 51 भारतीय …

[inventiondiaries]

Slicepay – Loan/Borrow Money App for Students

Slicepay is a loan app for the student which works as Buy Now Pay Later service. I’ve been using this app for almost 4 years now and my experience with it is Awesome…!!! It saves me in Emergencies and charges a very low amount of fees.

Download Slicepay

About

It is a Fintech startup that mainly focuses on young Indian students. It is a less time consuming and transparent platform for students who need money in emergencies or for entertainment and any other reasons. Today more than 2 million students are using it. Slice (formerly known as SlicePay) a company that operates a digital credit platform. Its product’s target audience is students and graduates. The company gives its clients access to products and services, allowing them to pay over time. It was founded in 2016 and established in cities Bangalore, Chennai, Pune, Vellore, Hyderabad, Delhi and Mumbai.

How To Use

You can download Slicepay through Google Play or an App Store.

After downloading you need to register with your mobile no.

After registering you need to fill in the details, upload few documents like College ID, Adhaar Card ( Used as an Identity Proof in India ). And they’ll ask you for a video or an image in a specific pose.

After reviewing your application they approve on basis of your documents.

You can then transfer money to your Bank or PayTM account Or you can just use a digital VISA Slice Card to make online purchases.

Slicepay Money

There 3 ways to use Slicepay money…

You can transfer money to your bank account using IMPS or UPI.

You can transfer money to your PayTM account.

You can use No Cost EMI to purchase something online from only selected brands ( including Amazon, Flipkart, etc. )

The borrow limit is from 10 Thousand to 10 Lakh

Transfer to your Bank

Advantage:

This is the best way to use the money to transfer to your Bank. Because you can do anything with that money without any restrictions.

Disadvantage:

You can only transfer 20-30% of your allowed money to your bank. Other than that you can only make an online purchases.

Taxes:

Slicepay charges you 7-15% of your money depending on the length of your EMI option.

Transfer to your PayTM

Advantage:

The transferred money goes into your PayTM wallet thus you can make any purchases or any transactions that PayTM allows.

Disadvantage:

You can only transfer 20-30% of your allowed money to your bank. Other than that you can only make an online purchases.

Taxes:

Slicepay charges you 7-15% of your money depending on the length of your EMI option.

No Cost EMI

Advantage:

This is the best option if wanna buy something online using a digital VISA Card. This EMI does not charge you for taxes. So you can pay only the money you borrowed and not an extra penny.

Disadvantage:

While you no need to pay extra money you have to buy products from only selected brands.

Taxes:

There are no taxes for No Cost EMI.

Slicepay Card

Slicepay provides you physical Slicepay VISA Card which you can carry anywhere and make payment to any merchants. The Slicepay VISA Card works everywhere in India.

Note: You can not use Slicepay Card to withdraw money from ATM.

Deals

There is a new feature in the Slice that is Spark which you can activate to make a purchase and in return, you get 50 Rs. Cashback. Also, the Top Offers gives you 20-40% off on your favourite brands. It works with over 100 Brands. New offers are updated daily.

Rewards

Monies are the latest feature of Slicepay which gives Monies for spending money. Now you may be thinking what is Monie. Monie is Slicepay currency which can be converted in Rupees. When you spend 1 Rupee on Slicepay you get 1 Monie. And 1000 Monie can be converted into 10 Rs.

Advatages and Use

When you shouldn’t always borrow money. You can always use Slicepay in emergencies. So even if you’re not using it you can keep it for emergencies.

You can use it to increase your Credit Score which decides your capacity of repaying the debt. Which can be very useful for future Loans. Here’s how you do it…

You pay your rent or bills with Slicepay and then when the 5th of the month comes you pay the rents money to Slicepay. Not that it makes much difference but hey your Credit Score is improving in the background.

My Credit Score is 836/900. What’s yours? Tell me in the comments…

Warning: While some people may think it’s a bad thing because some students may use it for fun without repaying debts and then their debts will pile up making it more difficult to repay.

Repaying the debt

While saying it is a debt than borrowed one is kind of rude but the fact is it is actually a loan so you need to pay it back at any cost. And on time.

You pay the debt or EMI’s every 5th of the month. The EMI can be divided up to 3-12 months or maybe more depends on the amount and your decision.

That’s all about Slicepay till now it may add new features in the future and we will love to know about them.

We learned that Slicepay is a Loan Or Money Borrowing App, Very useful if used correctly, It can save you in emergency money needs.

And yes the most important thing.

Refer and Earn

You get 500 Rs. when you refer a friend and your friend makes his first transaction.

Download Slicepay

[coolchocomanualart]

Choco ManualART What to Put in a Birthday Gift Basket

₹ 775.00 FREE Delivery.

Send to Your Loved Ones. Customize Birthday Gifts with Photos, Message, Name & etc. Printed on Chocolate & Box Top. The box is a sturdy wooden box with dimensions of 230 X 150 X 32 mm. There are 12 chocolate pieces in the box. Each Chocolate Wrapped with a Personalized Cover with The Name & Design. How to Customize Your Order - After placing the order, you can directly send your needful materials like message, name, date or photograph etc directly on seller Whatsapp number +91 78 3882 3637, with your order number or mail to chocomanualart@gmail.com. There are 3 different filings in the chocolates - Roasted Almonds, Fruit & Nuts, Butterscotch. Each filling has three chocolate pieces. Each Chocolate piece would Weigh approximately 13 to 15 Grams.

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[un-enfant-immature]

Slice raises $6M to help young Indians pay digitally and build credit score

The streets of Koramangala, one of the largest neighborhoods in Bangalore, are plastered with hoardings and banners of digital payment services. Every few steps, you find a bank, and offices of fintech startups.

But when Mohammed Nayeem wanted to get a credit card, he realized his options were limited. He applied for a credit card at RBL Bank, a Mumbai-headquartered bank that has been around for more than 70 years. In the days that followed, he answered many of their questions over phone calls and provided them with a number of documents.

The calls kept coming, but the card never did.

Nayeem works as a freelance interior designer and earns an average of $580 each month, he told TechCrunch in an interview last year. Though this is more than enough for most banks in the nation to issue him a credit card, the fact that he does not have a traditional kind of job was off-putting to all of them.

Tens of millions of people like Nayeem in India today can’t get a credit card. They have lived much of their lives on debit cards and with little to no credit score. There are close to 1 billion debit cards in use in India today, but only about 50 million credit cards in circulation.

Eventually, Nayeem came across a startup called Slice, which provided him with a Slice Card that for all intents and purposes, serves as a credit card. For more than a year now, he has been using Slice’s offering and his experience has been “wonderful,” he told TechCrunch.

Slice offers a prepaid card that comes with a pre-approved credit line, Rajan Bajaj, co-founder and CEO of the four-year-old startup, told TechCrunch in an interview. The Koramangala-headquartered startup focuses on people like Nayeem — young demography comprising mostly of students, freelancers, startup employees and blue-collar workers.

Bajaj said more than 250,000 customers use Slice’s card today. In the course of a month, an average user performs about 10 transactions to digital services such as Swiggy and music apps and spends about Rs 10,000 ($132). As users spend more, Slice increases their monthly limit to up to Rs 100,000 ($1,320).

Employees at Slice, a Bangalore-based fintech startup

But giving these users a card is only part of the value proposition. The biggest attraction perhaps for users is that they are able to build credit scores, which would eventually make them eligible for better credit cards from other firms and banks, and enable them to secure loans for various purposes. In about six months with Slice, most users have a credit score of more than 700, said Bajaj.

The startup also offers users the ability to secure small sachet of loan products and pay them at zero-cost interest and track their expenses.

On Thursday, Slice announced it had raised $6 million in a pre-Series B financing round. The round was led by Japan-based Gunosy, while the U.S.-headquartered EMVC, Kunal Shah of CRED, Better Capital, and existing investor Singapore-headquartered Das Capital participated in it. It also counts Blume Ventures, Traxcn Labs, and China’s Finup among its investors.

Bajaj said Slice plans to deploy the fresh capital to expand its reach. It plans to reach 500,000 young customers in the next one year.

Raising capital at the height of a global pandemic is a testament to Slice’s technology to determine the creditworthiness of customers and its underwriting methodology, he said. But Bajaj cautioned that he expects to see slightly more number of defaults in the coming months due to local conditions and new rules.

But for Slice, formerly known as SlicePay, that figure would still remain below 5%, and the startup, which has been profitable since last year, is well positioned to navigate it.

“We believe slice has a sustainable advantage as it has decoded young credit users’ demands and has built a deep understanding of credit risk and low-cost distribution using technology,” said Yuki Maniwa, Director of Gunosy, in a statement.

[satech17]

WhatsApp's head in India, Abhijit Bose recently hinted this in an event. How many of you would sign up for credit in WhatsApp? . . Follow @saiabhijat.tech for latest Updates, Tips & Tricks, Facts, How-tos and Reviews in Tech! #saiabhijattech #satech #tech #technews #techno #technology #latest #news #instatech #instanews #picoftheday #whatsapp #whatsappindia #whatsappcredit #whatsapploan #whatsapppay #creditsystem #loanapps #paytm #slicepay #satech_whatsapp — view on Instagram https://ift.tt/2VKSKvU

[homecreditindiaonline]

Get Instant Personal Loan for Students in India

Typically, students are not easily given out credit by banks and financial institutions. This is owing to their low payback capacity. Students do not have an income source which is why they are hard for consideration. Another important hurdle is that students cannot be counted credible.

Students may require loan amount anywhere between Rs. 1000 to Rs. 30000. This range of personal loan is not that interesting for Banks and NBFCs. They need huge amounts for lending, to get their business running. The level of effort and time that goes into verifying one individual for personal loan is huge (including KYC and underwriting). So, this set of individuals is just not profitable for Banks. Nowadays, a long column of enterprises is venturing into the market using artificial intelligence and machine learning to deliver all ticket size personal loans. They retrieve and analyze online data to understand the market better and create loan packages accordingly.

Most students have acute financial challenges however they do not nudge banks and NBFCs, since they do not support much. These named institutions prefer salaried individuals more over the unemployed ones.

Today many companies offer quick and reliable instant personal loan to students in India. These loans are available online in any denomination needed.

Let us quickly highlight 5 instant personal loan platforms for aspiring students:

Home Credit is the most known platform for instant student personal loans. Students can use the Home Credit Android App for a quick personal loan. Students can apply for an amount upto 2 lacs and this will come directly to your savings account.

KrazyBee Student Credit is again good for instant personal loans. Krzybee provides easy money to assist students in times of great need.  With an easy installment option, the portal offers quick credit, college trivialities, college fee, expensive purchases, etc. Just the student ID (college ID) and address, somewhat alike mpokket. It is offering a tenure upto 12 months or lesser.

SlicePay is also doing well amongst students for being an app based lending platform. It also provides quick instant loans, with cheap EMIs. The EMIs can be easily paid later as per availability and convenience.  This works similarly as well with students to submit their college and address proof.

Udhaar Card offers short term personal loans to students. This identically provides fast and affordable loans to student to finance their needs.  The amount of loan falls within the comfortable range of 500-5000 with a payback tenure of 3 months or lesser. The entire is fully automated and needs no manual input too.

RedCarpet is just another important tool for students to take on instant personal loans and payback whenever feasible. The EMIs are interest free on an amount between Rs. 1000-50000. Based on a tenure pattern of 3/6/9/12 months, RedCarpet gets you fast cash through online and offline transactions.  

[m-n-a-critique]

Slice raises ₹46 crore from Japan's Gunosy Capital, others

#Slice raises ₹46 crore from Japan's Gunosy Capital, others

Online credit and payments startup Slice, formerly known as SlicePay, has raised ₹46 crore in a pre-series B round led by Japan-based investor Gunosy Capital.

The round also saw participation from US-based EMVC, Kunal Shah of CRED, Better Capital and existing investor Das Capital. This round of funding will help Slice double its management team, explore banking partnerships to launch…

[freelancingbuzz]

New-age loan options for gig workers, freelancers and young students

In some cases even without any income you can get small ticket personal loans While it is easier for individuals with decent income proofs and established repayment track to get loans quickly, many people such as gig workers, part-time workers, freelancers or young students, who have never accessed any credit, have been struggling to get loans to meet even small funding requirements. However, technology has facilitated the borrowing options for these people. Many new-age lenders are coming up with innovative tools to provide lending to hitherto unattended segment of borrowers. Credit to all Whether you are a part-time worker without any income document, or a freelancer with irregular income pattern or a self-employed person with inconsistent income, you can still get a loan today. “The majority of our customers are new to credit and we have built our policies and products in a way that it enables smooth experience for these first-time credit users. The range of products that we offer to these new-age professionals is often not available in the market,” says Rajan Bajaj, Founder & CEO, SlicePay. In some cases even without any income you can get small ticket personal loans.”Any Indian college student over the age of 18 is eligible to borrow money instantly using the mPokket mobile app. It’s a very simple process where the user needs to install the application from the Play Store and then do a phone number-based registration. Once he is registered, he/she needs to provide basic documents such as identity and address details. We validate the details entered and then they are ready to take the loan. Our primary target is college-going students,” says Gaurav Jalan, Founder & CEO, mPokket. Also Read: Medical emergency – what are your last minute funding options? Typically the amount needed by students is not bigger so the loan option also comes in small ticket size. “The average ticket size of borrowing on mPokket typically ranges from Rs 500-2000, but the limit could go up to Rs 20,000, depending on special scenarios and emergencies. However, we primarily cater to those who do not have huge monetary needs. This explains why the average ticket size on mPokket is relatively smaller than other players in the market. Borrowers get up to three months to repay their loans,” adds Gaurav Jalan of mPokket. Not necessarily a costly option Revolving credit that is given by credit card providers is one of the costliest forms of credit as it allows you to postpone repayment by paying a high finance charge and a very small part of principal. You get EMI conversion option in your credit card to bring down the interest cost and repay the dues in instalments. Some of these features you can get from these new-age lenders as well. “We have no minimum due concept, unlike traditional credit card companies. Hence, if a customer is unable to pay the whole bill, he can convert them into monthly EMIs. Our EMIs tenures are up to 18 months,” says Bajaj […]

Click here to view original web page at www.businesstoday.in

from Freelancing Buzz https://freelancingbuzz.com/new-age-loan-options-for-gig-workers-freelancers-and-young-students/?utm_source=rss&utm_medium=rss&utm_campaign=new-age-loan-options-for-gig-workers-freelancers-and-young-students via https://freelancingbuzz.com

[sheminecrafts]

8-month-old startup FPL Technologies raises $4.5M to improve credit card experience in India

An eight-month-old startup in India that wants to improve the user experience of credit card holders in the nation has received the backing of at least two major investors.

Pune-based FPL Technologies said Thursday it has raised $4.5 million in its maiden financing round from Matrix Partners India, Sequoia Capital India, and others.

In an interview with TechCrunch earlier this week, Anurag Sinha, co-founder and CEO of FPL Technologies, said the startup aims to build a full stack solution to reimagine how people in India get their first credit card and engage with it.

Even as hundreds of millions of people in India today are securing loans from organized financial lenders, most of them are unable to get a credit card. Fewer than 25 million people in the country today have a credit card, according to industry estimates. And even those who have a credit card are not exactly pleased with the experience.

Vibhav, Anurag, Rupesh, co-founders of FPL Technologies, pose for a picture

Much of the blame goes to banks and other credit card issuing firms that are largely relying on archaic technology to operate their plastic card business.

Sinha, an industry veteran, said through his startup, he aims to address a wide range of pain points of credit card holders such as in-person meeting or telephonic interaction with bank representatives for getting a credit card, or having to talk to someone to get basic support, and not being able to mask the card’s identity when shopping online.

The startup, which employs about 20 people currently, aims to build the mobile credit card service in the next couple of months, but in the meantime, it is offering an app called OneScore to help users check their credit score and learn how to improve it. Sinha said OneScore, unlike most of its rivals, doesn’t sell the data of customers to third-party agencies.

The app was launched two months ago and has already amassed over 100,000 users, Sinha said. These users would get the first dibs on the startup’s mobile credit card, he said.

In a statement, Shailesh Lakhani, Managing Director of Sequoia Capital India, said, “When they presented a plan to modernize credit cards in India it immediately resonated with the Sequoia India team. It’s a delight to partner with them as they work on developing more flexible, affordable and easier to use financial products for Indian consumers.”

In recent months, a handful of startups in India have started to explore ways to expand the reach of credit cards in the nation and incentivize users to become more responsible with how they engage with it. Bangalore-based SlicePay offers a credit card to students in India. CRED, a startup by industry veteran Kunal Shah, recently raised $120 million to motivate users to improve their financial behavior.

from iraidajzsmmwtv https://ift.tt/2NPtMYU via IFTTT

[coolchocomanualart]

Gifts for Girlfriend

9 Chocolates Box

₹ 835.00

This is a

Vegetarian

product.

Customize Your Birthday Return Gifts with photos, message, name etc. Printed on chocolate box top and wrapper and send it to your loved ones.

The box is a sturdy wooden box with dimensions of 230 X 150 X 32 mm. There are 12 chocolate pieces in the box, each wrapped with a personalized cover with the name/designs of the recipient on it.

How to Customize Your Order - After placing the order, you can directly send your needful materials like message, name, date or photograph etc directly on seller Whatsapp number +91 78 3882 3637, with your order number or mail to chocomanualart@gmail.com.

There are 3 different filings in the chocolates - Roasted Almonds, Fruit & Nuts, Butterscotch. Each filling has three chocolate pieces. Each Chocolate piece would Weigh approximately 13 to 15 Grams.

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[technicalsolutions88]

An eight-month-old startup in India that wants to improve the user experience of credit card holders in the nation has received the backing of at least two major investors.

Pune-based FPL Technologies said Thursday it has raised $4.5 million in its maiden financing round from Matrix Partners India, Sequoia Capital India, and others.

In an interview with TechCrunch earlier this week, Anurag Sinha, co-founder and CEO of FPL Technologies, said the startup aims to build a full stack solution to reimagine how people in India get their first credit card and engage with it.

Even as hundreds of millions of people in India today are securing loans from organized financial lenders, most of them are unable to get a credit card. Fewer than 25 million people in the country today have a credit card, according to industry estimates. And even those who have a credit card are not exactly pleased with the experience.

Anurag, Rupesh, and Vibhav, co-founders of FPL Technologies, pose for a picture

Much of the blame goes to banks and other credit card issuing firms that are largely relying on archaic technology to operate their plastic card business.

Sinha, an industry veteran, said through his startup, he aims to address a wide range of pain points of credit card holders such as in-person meeting or telephonic interaction with bank representatives for getting a credit card, or having to talk to someone to get basic support, and not being able to mask the card’s identity when shopping online.

The startup, which employs about 20 people currently, aims to build the mobile credit card service in the next couple of months, but in the meantime, it is offering an app called OneScore to help users check their credit score and learn how to improve it. Sinha said OneScore, unlike most of its rivals, doesn’t sell the data of customers to third-party agencies.

The app was launched two months ago and has already amassed over 100,000 users, Sinha said. These users would get the first dibs on the startup’s mobile credit card, he said.

In a statement, Shailesh Lakhani, Managing Director of Sequoia Capital India, said, “When they presented a plan to modernize credit cards in India it immediately resonated with the Sequoia India team. It’s a delight to partner with them as they work on developing more flexible, affordable and easier to use financial products for Indian consumers.”

In recent months, a handful of startups in India have started to explore ways to expand the reach of credit cards in the nation and incentivize users to become more responsible with how they engage with it. Bangalore-based SlicePay offers a credit card to students in India. CRED, a startup by industry veteran Kunal Shah, recently raised $120 million to motivate users to improve their financial behavior.

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[un-enfant-immature]

AngelList’s ‘Carta for India’ product helps startups manage cap table and employee grants for free

AngelList, a platform that helps startup founders discover and connect to angel investors and job seekers, on Wednesday branched out to a new category in India to further serve the ecosystem.

The startup platform said its new product, called EquityList, allows founders to easily manage their cap table, which as the name suggests, is a table that documents a firm’s percentages of ownership, value of equity in each round, and equity dilution.

AngelList’s new offering pits it against the talk-of-the-town Carta’s core service — though by limiting EquityList to India, AngelList is tapping a booming market that the Palo Alto-based startup is yet to explore.

By targeting India, AngelList is also ploughing through a field that is vast but doesn’t have as many challengers. Most startups in India currently rely on lawyers, papers, and Microsoft Excel to manage their cap tables.

EquityList also enables startup founders to manage equity they are granting to employees. The tool, which allows the grant letter to generate and deliver in a single-click, also enables startup employees to accept the grant, view its value, and make use of it, explained Sumukh Sridhara, who oversees product and engineering at AngelList India, in an interview.

“It’s actually cumbersome to keep track of the numbers in Excel,” said Rajan Bajaj, founder and chief executive of SlicePay, a Bangalore-based startup that offers payment cards with pre-approved credit lines for students, gig-workers, freelancers and startup employees.

“Equity of a startup is perhaps the fastest growing asset in the world and it makes sense to manage it with a digital ledger like your stock broking account,” he said.

Utsav Somani, who oversees AngelList’s India operations, said the platform is making EquityList available to startups at no charge. In an interview with TechCrunch, he said EquityList will help startups save countless hours and capital that currently goes into legal documentations.

“Several Indian startups have become unicorns over the years and many more are moving to join the list. But employees at these startups don’t really know what’s the worth of their paper stake, and what they can do about it,” he said. “Employees need to feel that they are valuable. In the U.S. and other markets with more mature startup ecosystems, employees are up to speed on these matters.”

During its pre-beta days, 20 startups ranging from pre-Seed to Series B used EquityList and the early reception was overwhelming, said AngelList, adding that startups using EquityList don’t share any data with the platform.

Misbah Ashraf, co-founder and chief executive of Marsplay, a New Delhi-based startup that operates a social app where influencers showcase beauty and apparel content to sell to consumers, agreed. “There is a lack of transparency everywhere with stock options and how ESOPs’ (Employee Stock Option Plans) value is changing,” he said.

Miten Sampat, chief strategy officer at Times Internet, said it was only logical that AngelList looked into this category, and that it was high time that more firms addressed these challenges. AngelList is also well-positioned to scale this in the market, he said.

A venture capitalist, who did not wish to be identified, said he wasn’t surprised that AngelList was making EquityList free. “They want to be the system of record, a standard for the market. They want startups, and other venture capitalist funds to use EquityList.”

Somani agrees. He said EquityList would enable AngelList, which launched in the nation a year and a half ago, to gain trust and credibility with startups and other players in the ecosystem.

Another venture capitalist who also spoke on the condition of anonymity as he did not wish to upset others said that while EquityList appears to be replicating ‘Carta for India’ and address real challenges but that India was not that big of a market — which would explain why Carta has no play here.

“India is a big and wide-open market,” said Somani, who launched his micro VC fund last month. He added that AngelList would eventually expand EquityList to other markets.

Times Internet’s Sampat said EquityList also paves way for AngelList to perhaps explore becoming a secondary private market for startups one day. Somani did not rule out the possibility, but said there are enough regulatory hurdles to work out first.