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Harsh Tiwari

Hey I am on Medial • 1y

I have a business plan which will definitely change the whole home loan, loan company sector in India for the people who are paying more interest on thier loans just because they have low income or low cibil score. While people earning more who don't even need loan are getting financed easily at low interest rates. I don't know how to start but I'll definitely do it by end of 2030. Also the loan sector will be at boom for atleast a decade. Big companies will surely launch a product of thier own similar to this, but but but here is the actual game how will they justify to thier existing customers and past customers for the extra 10-15% they charged from them? If any co-founder Or vc Or any mba grad who can come along with me want to be a part of it or want to share some advices/criticism , they are most welcome.

35 Replies

Replies (35)

Amil Naushad

18 | Startups | Fina... • 1y

Interesting! What are you planning to do to solve this? To give out home loans to people who've low CIBIL score at lower rates of interest? Won't that be a little too risky? The loan recovery rates will be lower which is not good for any lending platform I believe.

1 Reply

Anonymous 1

Hey I am on Medial • 1y

Lending is growing and will be huge. The only problem is that to build and scale this you need a lot of credibility in the market.

1 Reply

Sainitish Medishetti

ML Research Intern @... • 1y

there are already like 3-4 unicorns lending space

1 Reply

Chaitanya Singhal

AI will give jobs • 1y

Isn't this whatbslice is solving right now for personal and emergency loans and for MSME'S the government has already launched Open Credit Eligibility Program (OCEN) solving this problem. So I dont need for another player in this sector

1 Reply

Kaivalya Satpute

Looking forward to c... • 1y

Dm me I'll share u my thoughts and some other stuff regarding and I can see that the company's future

1 Reply

Anonymous 2

Hey I am on Medial • 1y

Although the idea is great. This market is tightly controlled by RBI. As in the past one circular can end your business model completely

1 Reply

Anonymous 3

Hey I am on Medial • 1y

So exactly what cibil score does

1 Reply

Aditya Chourasia

Undergrad at Guru Gh... • 1y

Well you should study something about what we say " Credit score"

1 Reply

Abhinav Amarapuram

Life's an adventure,... • 1y

Your business plan to revolutionize the home loan sector in India by addressing interest rate disparities is in huge demand

derek almeida

Founder ,Ceo , Entre... • 1y

Hit me up at derekalmeida3@gmail.com

Jyoti Kanungo

Hey I am on Medial • 8m

u can start with me.You can give me a loan of 10 lacs for 4 months.For stock trading.Free access to platform and repayment A/c in your exclusive control.Money is safe and you can find out whether your proposal is feasible

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Trilok SHARMA

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I have a problem solver idea ... Those who have not yet come in the market, those who are in debt, those who are defaulters, they do not get loan from anywhere, for them we should start a loan portal in which we will take care of everything from the

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Votes: 12

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Shrinivas Bhalerao

Founder @KraftBags.s... • 1y

How do Instan loan provider company/app recover their losses they have got from loan defaulters, and how they recover the money form the person who don't pay back the loan.(Does someone have suggestion to how to recover the loan)

8 Replies