The financial platform for India’s underserved entrepreneurs.
Credit, insurance, savings and business support — through a network entrepreneurs already trust, and a technology platform built to serve them at scale.
Credit access is only part of the problem.
India has over 73 million MSMEs, and the vast majority sit outside the reach of formal financial institutions — not because they’re not creditworthy, but because they’re not visible to systems built for salaried, urban, digitally-active customers.
The credit gap alone is estimated at ₹80 lakh crore. But the same entrepreneurs who can’t get a loan also can’t easily insure their business, save toward their future, or get reliable advice on running and growing what they’ve built. It’s not one gap — it’s four, and they compound each other. ₹100 — new minimum SIP ticket size, opening mutual fund investing to low-income and small entrepreneur savers. India’s overall insurance penetration is just 3.7% of GDP (FY25) — roughly half the global average of 7.3% — with life at 2.7% and non-life (including health) stuck at 1.0%, a quarter of the global non-life average of 4.3%. India is the world’s 10th-largest insurance market yet among the most under-insured.
Our Philosophy
- Technology with purpose — simplify finance and improve decision-making of all stakeholders.
- Partnership over ownership — work with strong people institutions to create scale and shared responsibility.
- Responsible growth — sustainable growth of all stakeholders is more important than short-term disbursement in maximizing profit.
- Data + human intelligence — combine technology and analytics with local business understanding.
- Entrepreneur first — understand the business before designing the credit solution.
To make financial services more accessible to self-employed entrepreneurs who are building India’s next generation of small businesses, driving sustainable growth and creating more self-employment opportunities.
Build a technology-led financial services platform that becomes a trusted bridge between financial institutions and underserved businesses. A society that provides opportunities to youth with aspirations — especially those in the informal sector — through access to the full range of financial tools that formal systems have historically kept out of reach.
The Platform
Loans
Business loans (Secured & Unsecured), sized and structured for how these businesses actually operate — not standard retail credit products forced to fit.
Insurance
Business, asset, and personal protection, made accessible and understandable — most entrepreneurs in this segment have never been offered insurance that fits their risk.
Investments & Savings
A simple way to save and build wealth alongside the business — not just credit, but a path to a stronger financial position over time.
Business Development
Financial literacy training and bulk-procurement support delivered through our FEN partners — because access to capital only helps if the business behind it is set up to use it well.
Local trust, multiplied by technology.
Tiren’s Financial Entrepreneur Network (FEN) is a distribution engine built on relationships that already exist — local Financial Entrepreneurs and community-based organizations who are trusted by the businesses we serve, long before Tiren ever enters the picture.
That network isn’t just how we originate loans. It’s how we distribute every product on the platform — insurance, business development support, and soon, savings and investment products — to entrepreneurs who would otherwise never be reached by a purely digital or purely institutional model.
The Tiren Business App will be the digital front door to the whole platform — where an entrepreneur can apply for a loan, access insurance, tap business development support, and (soon) save and invest, all from one place, all backed by the same FEN network they already trust.The Tiren Business App will be the digital front door to the whole platform — where an entrepreneur can apply for a loan, access insurance, tap business development support, and save and invest, all from one place, all backed by the same FEN network they already trust.- Ecosystem-led sourcing — Financial Entrepreneurs and institutional ecosystem partners create local access to MSMEs and entrepreneurs.
- Local market intelligence — FEN partners bring trusted relationships and field-level understanding of businesses and borrowers.
- Lean distribution — the model is designed to expand reach without replicating a branch-heavy field structure.
- Technology-enabled execution — Tiren provides the central technology, credit processes, workflows and portfolio visibility.
- Aligned economics — FEN partners are compensated for successful business origination in line with the agreed commercial model and applicable policies.
One app. Every solution your business needs to grow.
The Tiren Business App will be the digital front door to the whole platform — where an entrepreneur can apply for a loan, access insurance, tap business development support, and save and invest, all from one place, all backed by the same FEN network they already trust.
Building scale through strong institutional partnerships.
Tiren works with established financial institutions and ecosystem partners to expand access to responsible credit and financial services.
Sanghamithra Rural Financial Services
- Partnership to expand access to credit for underserved businesses through SIDBI Prayaas
- SRFS provides an established financial-services ecosystem and an important origination and servicing channel
- Tiren builds technology, distribution and operating capabilities around the partnership
Jana Small Finance Bank
- Partnership to expand access to formal financial services
- Tiren supports distribution and customer access through a technology-enabled operating model
Insurance partner
FEN partner network
Financial literacy and bulk-procurement training are already being delivered to entrepreneurs through our FEN partner network. Investments & Savings will be added to this platform once our partnership is finalized.
Aloysius Prakash Fernandez
Founder & Chairperson (Executive Director)
Mr. Arvind G. Risbud
Executive Director & I.A.S. (Retd.)
Mr. S. C. Srinivasan (Srini)
Independent Non-Executive Director
Thirunavukkarasu Rajendran (Thiru)
Co-founder & Chief Executive Officer
Questions about Tiren, the FEN model, or our institutional partnerships — reach out and our team will get back to you.
Bangalore North, Bangalore, Karnataka, 560071, India
Email: info@tiren.in
