Infinity Fincorp Solutions

Infinity Fincorp Solutions, founded in 2016 by Shrikant Ravalkar, is a Mumbai-based non-banking financial company (NBFC) specializing in providing loans against property to underserved micro, small, and medium enterprises (MSMEs). The company operates with the mission of bridging the significant credit gap in India's MSME sector, which remains largely untapped by traditional financial institutions.

Core Products and Services

Infinity Fincorp focuses on offering credit solutions tailored to the needs of micro-entrepreneurs and small businesses. Its key offerings include:

1. Loans Against Property (LAP):

   • Average ticket size: ₹3–5 lakh.

   • Targeted at micro-entrepreneurs like tea shop owners, vegetable vendors, electricians, plumbers, small manufacturers, and shopkeepers.

2. Secured Term Loans:

   • Loans for house renovation, shop expansion, or business scaling.

3. Revolving Credit Facilities:

   • Flexible repayment plans aligned with customer cash flows.

Unique Value Proposition

Infinity Fincorp differentiates itself by catering to financially underserved segments in semi-urban and rural areas. Its customer-centric approach includes:

• • In-house underwriting capabilities to assess creditworthiness beyond conventional metrics.

  • A focus on co-applicant-based loans to ensure timely repayments.

  • A robust branch network that ensures accessibility for borrowers in remote locations.

Business Model & Revenue Streams

Infinity Fincorp operates on a robust NBFC business model focused on secured lending to MSMEs. The company generates revenue through interest income on loans disbursed and associated fees.

1. Interest Income: The primary revenue driver is interest earned on loans against property. Average interest rates are competitive yet profitable for the company due to its focus on high-growth Tier III and IV markets.

2. Processing Fees: Fees charged during loan disbursement contribute to additional revenue.

3. Loan Repayment Penalties: Late payment fees provide a supplementary income stream.

   Growth Strategy

   Infinity Fincorp has adopted a multi-pronged growth strategy to expand its footprint and strengthen its market position:

   1. Geographic Expansion: Plans to grow its branch network from 120+ branches to 150+ by FY26. Focuses on Tier III and IV cities where credit penetration is low but demand is high.

   2. Product Innovation: Introducing flexible repayment options tailored for seasonal businesses.

   3. Technology Integration: Leveraging data-driven underwriting models to assess creditworthiness efficiently.

   4. Strategic Partnerships: Collaborating with fintech companies to enhance loan disbursement processes.

Customer Segmentation

Infinity Fincorp primarily serves the B2C segment within the MSME ecosystem:

• Micro-Entrepreneurs: Tea stall owners, vegetable vendors, electricians, plumbers, dairy farmers, and small manufacturers.

• Small Businesses: Shop owners and traders requiring credit for expansion or working capital needs.

Conclusion

Infinity Fincorp Solutions has emerged as a key player in India's MSME lending space by addressing the vast credit gap in semi-urban and rural markets. With over ₹1,000 crore in AUM as of November 2024 and plans to grow this to ₹1,300 crore by March 2025, the company is well-positioned for sustained growth. Its innovative approach to secured lending, strong branch network, and focus on underserved micro-entrepreneurs make it a compelling choice for investors seeking opportunities in the financial services sector.

By combining technology-driven underwriting with customer-centric products, Infinity Fincorp continues to empower MSMEs across India while maintaining strong profitability and asset quality—making it a leader in the micro-LAP segment of NBFCs.