Vivriti Capital Limited

Core Business Vivriti Capital Limited (VCL) is a pioneering mid-market lender in India. The company focuses on providing debt capital to mid-market enterprises, an area traditionally underserved by conventional financial institutions. VCL aims to level the playing field for these enterprises, enabling them to access the capital necessary for growth and development. Business Model: Operations, Products, and Services Vivriti Capital operates as a fintech NBFC, utilizing a transformative business model that integrates technology and financial services. The company's product suite includes: 1. Term Loans: These loans provide upfront cash, repayable over time with interest, used for expansion, marketing, and capital expenditures.2. Working Capital Loans: These loans help businesses maintain liquidity for day-to-day operations.3. Non-Convertible Debentures (NCDs): Fixed-income instruments that offer stable returns.4. Supply Chain Finance: Financing for suppliers and dealers, enhancing business efficiency.5. Co-Lending and Securitization: Partnerships with other financial institutions to extend lending capabilities.6. Specialized Financial Products: Including buyer finance, asset leasing, and other tailored business finance solutions. Market Analysis: Fintech and NBFC Industry Fintech IndustryThe global fintech market was valued at approximately USD 294.74 billion in 2023 and is projected to reach USD 340.10 billion in 2024, growing at a CAGR of 16.5%. The market is expected to hit USD 1,152.06 billion by 2032, driven by the rise of digital payments, increased investment, and the adoption of innovative technologies like AI and blockchain. NBFC Industry in India The NBFC sector in India has shown significant growth, driven by a rising middle class, enhanced financial inclusion, and supportive policy measures. The sector recorded a 38% year-on-year growth in absolute profit in the first half of FY24 compared to FY23. Key growth segments include housing finance, microfinance