Rajsi Infin Consultants: Leading the Way in Unsecured Lending Solutions while Transforming Financial Services for Growth

India's NBFC market, now the third-largest globally, underscores the country's burgeoning financial sector. NBFCs play a pivotal role in India's economy by channeling funds from surplus zone to deficit zone, complementing traditional banks. Their growth has been fuelled by economic expansion, MSME proliferation, digitization, and access to global funds. Innovations like digital lending, fintech integration, and RBI’s co-lending frameworks have unlocked new markets, including rural finance and micro-lending. With India's economy projected to surpass $4 trillion by FY 2024-25, NBFCs are well-positioned to cater to rising demand, offering diverse, tech-driven, customized financial solutions.

Rajsi Infin Consultants Private Limited, incorporated in 1995, is a leading NBFC offering flexible financial solutions to individuals and businesses. With a focus on unsecured funding, the company provides quick loans up to ₹1 crore with a turnaround time of less than 24 working hours. Known for its adaptability, the firm offers flexible repayment options, namely weekly, fortnightly, or monthly, making it a convenient choice for clients. The recent management change in November 2023 has further strengthened its commitment to meeting evolving market demands.

Rajsi Infin Consultants has identified several challenges faced by its prospective clients in the market. These include limited asset ownership, creditworthiness concerns, and the risk of scams. Many prospective clients struggle to access financing due to the lack of collateral or poor credit scores, particularly in underserved segments. Additionally, the rise of unregistered online lenders has heightened concerns about fraud. To address these issues, Rajsi Infin Consultants offers flexible financial solutions, including unsecured loans that require no collateral, and utilizes advanced technologies like e-KYC and digital verification to enhance trust and security. The company’s focus on customized products, catering to the unique needs of clients, positions it well to capitalize on emerging market opportunities, such as the growing demand for tailored financial solutions and access to underserved populations.

Core Competency

Rajsi Infin Consultants stands out in the unsecured lending market with its tech-driven approach, flexible repayment options, and client-centric customization. Unlike traditional lenders, the company caters to individuals with limited assets or collateral, offering loans tailored to their unique needs. The company’s USP lies in its flexibility, as clients can choose repayment frequencies, from daily to monthly, making it ideal for diverse businesses, including retail. The company also emphasizes behavioral funding, helping clients with low credit scores but strong repayment histories access credit. With a transparent process, faster disbursements, and a commitment to addressing post-COVID financial challenges, Rajsi Infin Consultants offers unmatched financial solutions.

Rajsi Infin Consultants takes pride in its dedicated team, providing unparalleled support to clients at every stage of the loan journey. Personalized assistance includes loan consultations, customized terms, and tailored guidance, ensuring clients make informed decisions. The team excels in quick, responsive service, keeping clients and DSAs updated at every milestone. End-to-end support ensures seamless navigation through the loan lifecycle.

The leadership comprises four experienced directors, namely Deepak Kumar (Chartered Accountant with 15+ years in banking, finance & taxation), Renu (B.Tech with 12+ years in IT), Pervinder Singh (expert in administration & management) and Suresh Ahalawat (Masters in Economics, specializing in product design and marketing). Together, they lead specialized teams, ensuring client satisfaction and operational excellence.

“At Rajsi Infin Consultants, we focus on building strong, lasting relationships with our clients through a customer-centric approach. We customize products to fit their requirements, maintain transparent communication throughout the loan process and offer consistent post-disbursement support. By staying in touch and actively seeking feedback, we ensure continuous improvement and foster trust, creating enduring partnerships with our clients”, adds CA. Deepak Kumar, Director, Rajsi Infin Consultants.

The Growth Saga

Rajsi Infin Consultants, established in 1995, has seen significant growth and transformation in its nearly three-decade-long journey. Launching its revamped lending operations in February 2024, the company has disbursed over ₹360 million to more than 200 borrowers in less than 12 months. This strategic shift, along with a focus on digital transformation and customer-centric solutions, has positioned the company for continued success. Its vision is to empower clients with flexible financial solutions, while its mission is to deliver reliable, innovative, and quick financial services.

Looking ahead, Rajsi Infin Consultants is charting an ambitious growth trajectory. The company is focused on digital innovation and plans to launch a Digital Lending Application (DLA) to empower customers with seamless, self-service loan applications. It is enhancing processes through AI and machine learning for efficient credit assessment and risk management. In the upcoming financial year, the company aims to expand its product portfolio by introducing loans against equity and mutual funds, offering customers a cost-effective way to leverage investments. Additionally, the company plans to foray into microfinance, fostering financial inclusion in rural and semi-urban areas.

“The NBFC sector is growing rapidly, thanks to regulators like RBI, Government of India, and the contributions of NPCI and FinTechs. They’ve made processes easier, and we’re in talks with FinTechs to lend funds through their platforms to expand our reach. However, there’s still room for improvement, particularly in credit reporting. The current system, with just a few CIC, puts pressure on agencies like CIBIL. Improving credit reporting would greatly enhance the sector's efficiency and decision-making processes”, concludes CA. Deepak Kumar.