ICRA

ICRA Limited was set up in 1991 as a full-service Credit Rating Agency by leading Indian financial/investment institutions, commercial banks and financial services companies as an independent and professional investment information and credit rating agency. Through its subsidiaries, ICRA offers consulting and outsourcing services. ICRA shares are listed on the BSE and the National Stock Exchange. ICRA is majority-held by Moody’s Group, which has equity ownership stake in the Company.

Oxyzo Financial Services

We, at Oxyzo, pride ourselves in having a deep understanding of SMEs ' business needs. Aiming to transform small and medium enterprises into large, we offer credit solutions that are customized to help SMEs expand their operations, increase revenue, and consequently improve their profit margins. This, combined with our low-interest rates, collateral-free credit options, and 48 hours loan processing timelines transforms Oxyzo into a leading lending option for SMEs in India. Oxyzo is currently serving thousands of SMEs across India, disbursing 4000+ crores per annum, and has 5000+ crores as AUM. What makes Oxyzo a go-to option for SMEs? 1) Pay As Per Usage: Pay Interest only for the period of the usage of credit lines. No foreclosure charges. 2) Minimum Documentation: Loans processed with the requirement of minimum documentation 3) Low-Interest Rates: Interest rates as low as 1.5% p.m. 4) Custom Credit Solutions: Customised credit options for all SME needs 5) Additional Material Savings: Get raw material from OfBusiness and save up to 3% on every raw material purchase.

Indifi

Indifi believes in helping small businesses grow by offering loans to those that have potential and intent. Most such businesses have little or no access to financing from traditional institutions such as banks or lack either collateral or finance data trail to access a loans. Indifi is a technology platform that gathers and analyses data of businesses from various sources and draws insights to judge their credit worthiness, their past and current performance in context of the industry they are operating in. This differentiated approach helps find businesses that are low on risk and high on promise thus opening up possibilities for those who earlier had no access to short or long term business funding. Indifi takes the relevant applications to multiple lenders, increasing the chances to secure a loan and creates choice for lenders to pick the ones they wish to back. The approach makes the loan process smart by minimizing risk, reducing paperwork and associated costs, while providing a simple and hassle free experience setting the businesses on the path to growth.

Oxigen

Oxigen’s focus is to grow its footprint, to serve the last mile by providing Aadhaar enabled branchless banking services, cashless micro payments services and remittances, in a ‘real time’ environment, is India's Largest Payments Solutions Provider. Oxigen’s proprietary technology is used to provide Payment Processing Services, through its flagship product, Oxigen Micro ATM. Oxigen provides branchless banking services integrated with Aadhaar to facilitate AEPS (Cash In/Cash Out), Bank Transfers, eKYC, and merchant payment services with NFC (Tap Pay), Card Payments (Rupay, Visa, Master Card), Bharat QR, UPI, Aadhaar Pay, Cash @ PoS using Cards. Traditional services include Recharges for Telecom, Internet data and DTH Prepaid, Postpaid Recharges, Money Transfer, Travel (IRCTC Railways/Airlines/Bus) Tickets, Movie Tickets, Utility Bill Payments, gift cards & value-added services, through its network of 200,000 retailers who, in turn, provide these services to end customers. Oxigen is also a National Business Correspondent to SBI and RBL bank with over 20,000 BC agents Oxigen also has a Mobile Money Wallet, branded as Oxigen Wallet (“OW”) and is a Prepaid Payment Instruments (“PPI”) license holder issued by RBI. With RBL Bank, Oxigen wallet offers a card for Corporate reimbursements, and provides Loyalty solutions on mobile, to companies like FuturePay. It has 3 million users now. Today, Oxigen boasts of a 150-million customer base and a retail footprint of over 2,00,000 outlets. Till date, Oxigen has processed over 6 billion transactions, with an existing volume of 600 million transactions per annum. Oxigen services are device agnostic and available through a point of sale device “MicroATM”, website and mobile App.

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