RinSaathi · schema lending
Liveऋणसाथी
RinSaathi (ऋणसाथी, "loan companion") replaces the rubber-stamped paper ledger. The borrowers are daily-wage workers, vegetable hawkers, motorcycle mechanics and small shopkeepers; the loan is small, the repayment is daily, and the collection happens on a doorstep. Nothing about that fits a bank core system, which is why these businesses still run on notebooks.
The borrower gets a login too, on the same identity as everything else. A borrower who is also a parent at a school on the platform has one account, not two.
5k - 50k
rupees, the usual loan
cash, to a daily-wage borrower
1
installment per posted repayment
never a lump against a balance
2
disbursal modes
cash and bank, separate trails
0
passwords anywhere
the borrower signs in with an OTP
Active loans
46
4 branches
Due today
12
installments
Collected
36,620
today, rupees
Overdue
2
over 7 days
| Loan no | Borrower | Installment | Amount | Due on | State |
|---|---|---|---|---|---|
| FT/2026/0091 | Shobha Hegde | 7 of 24 | 4,820 | 03 Oct | Due today |
| FT/2026/0088 | Venkatesh Rao | 9 of 18 | 7,150 | 03 Oct | Collected |
| FT/2026/0074 | Fatima Begum | 14 of 36 | 3,290 | 29 Sep | Overdue 4d |
| FT/2026/0066 | Harish Jain | 21 of 24 | 9,400 | 22 Sep | Overdue 11d |
| FT/2026/0095 | Deepa Menon | 3 of 12 | 11,250 | 03 Oct | Due today |
Every repayment posts against one installment. The schedule is the record, not a spreadsheet beside it.
A field officer sees their round. The schedule is the record, not a spreadsheet beside it.
Each of these exists because a doorstep lending business works the way it does, and none of it fits a bank core system.
01
Borrower record, KYC documents, terms, a signed agreement and a generated installment plan, in one pass.
02
The daily round is where these businesses leak money. The field agent carries the schedule and the receipt.
03
The same Udyamik identity as everything else. No separate app, and no new password, because there are no passwords.
Hot-swap between a school registry, a pharmacy counter, a shop’s bills or a clinic reception desk without signing in again. Each organisation keeps its business data in its own Postgres schema with row-level security on every table, so one account reaching two organisations never means one database holding everything in a column.
Switch the organisation below to see which navigation and which records the same login is given.
Active loans
46
4 branches
Due today
12
installments
Collected
36,620
today, rupees
Overdue
2
over 7 days
| Loan no | Borrower | Installment | Amount | Due on | State |
|---|---|---|---|---|---|
| FT/2026/0091 | Shobha Hegde | 7 of 24 | 4,820 | 03 Oct | Due today |
| FT/2026/0088 | Venkatesh Rao | 9 of 18 | 7,150 | 03 Oct | Collected |
| FT/2026/0074 | Fatima Begum | 14 of 36 | 3,290 | 29 Sep | Overdue 4d |
| FT/2026/0066 | Harish Jain | 21 of 24 | 9,400 | 22 Sep | Overdue 11d |
| FT/2026/0095 | Deepa Menon | 3 of 12 | 11,250 | 03 Oct | Due today |
Every repayment posts against one installment. The schedule is the record, not a spreadsheet beside it.
Worth saying plainly, so nobody discovers it after signing.
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