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Orange Retail Finance to Increase Business by Adding INR 60 Crore Worth of New Loans Using Yubi Co.lend.

The result
Orange Retail Finance Case Study 1 Orange Retail Finance to Increase Business by Adding INR 60 Crore Worth of New Loans Using Yubi Co.lend.
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    Non-Banking Financial Company


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Ebenezer Daniel

Founder, MD & CEO - Orange Retail Finance India

We were able to increase the business which resulted in adding up Rs 60 Crore worth of new loans

About the Company

Orange Retail Finance India Private Limited (ORFIL) is a Rural Fintech Non-Banking Financial Company registered with the Reserve Bank of India with an endeavour to provide affordable mobility and livelihood solutions to rural as well as semi-urban markets of the Country. ORFIL was founded by Mr. Ebenezer Daniel G, a First Gen Entrepreneur who hails from the Culture Capital of Tamilnadu, i.e. Madurai.

ORFIL began its operations in the year 2014 and currently, it has 75 Branches across all the South Indian states, with over 1.3 lakh happy customers, covered over 11200+ villages, generated employment opportunities for more than 4000 people and cumulatively disbursed Rs. 900+ crores with vast last mile rural distribution with an AUM of Rs. 340 crores and thus created an impact in the market it caters.

ORFIL’s Primary product offerings include New Two-Wheeler loans, Swift Cash Loans and Loan Against Properties. ORFIL aims to propel the rural market, which is either underserved/unserved by providing easy access to credit.

ORFIL had also recently launched a mobile application named “FINMOBI”, an end-to-end digital platform for sourcing customers online. Customers can know their loan status and pay their EMI’s etc., at their convenience.


The Challenge

ORFIL caters to semi-urban and rural population and it did face many challenges like:

  1. To quickly scale up the number of lending partners. The process was tedious and lengthy.
  2. A strategic partnership with any bank or lender meant one on one integration, which wasn't feasible for ORFIL in terms of bandwidth and time.

The Solution

ORFIL team used the YubiCo.lend edge to help them offer joint loans using a smoother interface and solve multiple problems.

  1. YubiCo.lend’s one-time integration allowed ORFIL to partner with multiple lenders and helped increase the scope for newer partnerships.
  2. ORFIL’s products investment-ready in a short period of time.
  3. With YubiCo.lend, ORFIL got access to a single unified user interface via a customised dashboard to manage their lending business.
  4. ORFIL got access to suitable investors via the execution module assisted in setting up partnerships and configuring contours such as credit parameters, document requirements and commercial details.

The Results

Using Yubi’s Co.lending platform

  1. ORFIL was able to reduce their turnaround time for integrating with a lender significantly.
  2. Increased their loan book and got access to multiple lenders who joined hands with ORFIL to extend their offerings to semi-urban and rural markets. 
  3. Rs 60+ Cr disbursed, quantified to 9000+ new loans.
  4. 70% of total loans disbursed during the period were via YubiCo.lend.

While our clients already speak highly of the platform, we are innovating every day to enhance their experience multifold via technology. 

To get a demo of how YubiCo.lend works, please write to us at credcolend@go-yubi.com