Análisis de negocios inclusivos para Avanti Finance

Avanti Finance es una empresa financiera no bancaria (NBFC) fundada en 2016 con la misión de atender a 100 millones de hogares en la India mediante sus soluciones de préstamos sin papel, presencialidad ni efectivo. Avanti Finance opera mediante un modelo de colaboración con instituciones de microfinanzas (IMF), empresas de tecnología agrícola, organizaciones no gubernamentales (ONG), empresas sociales y organizaciones de productores agrícolas (OPA).

Ofrece préstamos para la agricultura, la subsistencia, la ganadería y las pequeñas empresas a clientes rurales y semiurbanos. Cabe destacar que el 90 % de sus prestatarios son mujeres y el 60 % son nuevos en el acceso al crédito (NTC, sin historial crediticio formal previo).

Avanti Finance utiliza una aplicación digital de incorporación y suscripción basada en dispositivos móviles que facilita los desembolsos en un plazo de 24 a 48 horas.

Los hallazgos y observaciones clave de este IBA fueron:

1. Avanti Finance has a rapidly expanding customer base from 45,000 customers in 2021 to 300,000+ customers in 2024. It is spread across 27 states in India and works with 80+ partners. Rural women are the largest borrower segment with increasing uptake of higher ticket size loans.
2. MFIs are their largest partner segment due to extensive reach and stronger community presence, better portfolio performance, and ability to scale. However, MFIs command higher partner commissions translating to higher borrower interest rates. Agtechs or X-techs and FPOs have higher farmer impact potential but face challenges to scale. X-techs provide bundled services across the value chain (inputs, advisory, and market linkages) resulting in improving farmer incomes through deeper engagements. In the future, as X-techs and FPOs mature, this channel could drive growth for the company. Avanti Hubs enable a deeper local presence and could scale selectively for micro, small and medium enterprise (MSME) loans, product pilots, and higher-ticket individual loans.
3. Avanti’s digital platform drives efficiency through reduced onboarding costs, reduced collection and partner coordination efforts, and reduced cash-handling risks. It works in remote rural locations with limited internet connectivity. Borrowers save time and money due to fully digital onboarding process.
4. Borrowers value Avanti’s faster disbursements, respectful field staff and flexible repayment structures. Farmers see income improvements through an X-tech’s bundled services. Climate shocks such as erratic rainfall and drought are affecting farmers and climate insurance remains a major gap.