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Havish Gupta

Figuring Out • 7m

Why do you think that in the last 2 years, the Number of Instant Loan Startups have skyrocketed, and also almost every company have started to provide loans? Like what happened in this period that have helps these companies dicide whom to give loans

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Anonymous

Anonymous 7

Hey I am on Medial • 7m

Bharatpe 🔥

Havish Gupta

Figuring Out • 7m

That's just awesome!

Anonymous

Anonymous 7

Hey I am on Medial • 7m

bharatpe is awesome? what way

Havish Gupta

Figuring Out • 7m

Because of the way they collect their loans back. Instead of asking the debtors to pay in emis, they collect a fixed amount daily from their bank accounts. And Thus their NPA% is less than the NPA of big banks as well.

Anonymous

Anonymous 7

Hey I am on Medial • 7m

nice Nice. founders must be genius

Havish Gupta

Figuring Out • 7m

Ashnner was that genius

Anonymous

Anonymous 7

Hey I am on Medial • 7m

but they only say all this was done by shashvat and bhavik. and ashneer joined later. they are also calling him froud

Havish Gupta

Figuring Out • 7m

I read the doglapan book. In that Ashnner said that I think shashwat approached Ashnner saying that paytm charges 2% on each online transaction. So i want to make an startup that charges only 1% fees. To this Ashnner said that this won't work and this would only lead to a fight of how low can you make the fees. Only 0% fees would work. So they started this and later Started providing loans on the basis of their online transaction's data. Like the know that X person get's 5k daily through UPI so he could be given Y loan

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