Digitalbharatfunds
Sectors as filed: P2P Lending
The website is as filed on the register. We have not checked that it resolves. Something wrong with this startup?
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Six things we look for on every startup: DPIIT recognition, a CIN, a website, a description, a logo and a funding signal. Not held here: DPIIT recognised, CIN on file and Funding signal.
Location
Where this is
Startup India records the district. We do not have a street address for this company, and we will not invent one.
The register records this company's district and nothing finer, so the district is what is drawn. No point is shown, because we do not have one.
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Geocode confidence: medium
In context
What this startup amounts to
Digitalbharatfunds is a Startup India startup filed in Nautanwa, a district with too few startups on the register for a page of its own here. It is filed under Finance Technology, which 11,528 startups carry nationally. It carries no funding signal of any class, and a signal here would evidence a mention, never an amount.
Every figure above is counted from the 2026-08 snapshot and is the same number the page it links to prints.
In their own words
Slide 1 — CoverDigital Bharat Funds (DBF)India’s Most Trusted Digital Finance Super-App“Digital Finance for Digital Bharat.”🇮🇳 Inspired by Indian Tricolor⸻Slide 2 — One Line SummaryA government-grade fintech platform providing instant credit, P2P lending, insurance, savings, MSME finance, and digital financial tools for every Indian.⸻Slide 3 — ProblemIndia has: • 65 crore people with no access to formal credit • MSMEs rejected by banks due to weak paperwork • High processing fees • No unified financial platform • Lack of trust + transparency • Long verification times⸻Slide 4 — Problem (Deep Dive)Consumers face: • Expensive loan apps • Hidden charges • Data misuse • Confusing UIsMSMEs face: • No instant working-capital access • No invoice financing • No digital scoring⸻Slide 5 — The OpportunityIndia = world’s fastest-growing fintech market.UPI = 1200 Cr+ monthly transactions.Credit gap = $300B.DBF is built to capture this entire under-served market.⸻Slide 6 — SolutionDigital Bharat FundsAll-in-one financial super-app with: • Instant digital loans • Smart savings • Insurance • P2P lending • MSME finance • DBF Score (AI credit scoring) • DBF Card • Digital KYC • Auto-repay⸻Slide 7 — What Makes DBF Unique • Built like a govt-grade platform • Inspired by Aadhaar, BHIM, DigiLocker • Ultra-transparency • Zero hidden charges • Compliance-first • Bharat-first design • AI underwriting + dynamic scoring⸻Slide 8 — Why Now • UPI = deepest penetration • Lending regulations matured (DLG, FLDG allowed) • Strong NBFC partnerships • Indian users accept digital financial apps • AI scoring now accurate⸻PRODUCTSlide 9 — Product OverviewDBF = India’s first “Financial OS”A single app for credit, lending, insurance, investments.⸻Slide 10 — Key Features • Instant personal loans • MSME loans • DBF Score (AI credit engine) • P2P lending platform • DBF Pay (wallet + UPI layer) • Insurance integration • Invest (SIP + digital gold) • Auto EMI reminder • Zero documentation loans (via bank statement OCR)⸻Slide 11 — User Experience • Bharat-first interface • Tricolor government-style branding • Minimalistic • Confidence-building UI • Smart recommendations • Easy onboarding⸻Slide 12 — PrototypeFunctional prototype built at:https://digital-bharat-funds.rork.app⸻MARKETSlide 13 — Market Size (India)TAM: $450B Digital Financial MarketSAM: $110B Digital LendingSOM: $4.5B DBF First Target⸻Slide 14 — Target Segments • Students • Employees • Freelancers • Small shops • Traders • MSMEs • Tier 2–5 India⸻Slide 15 — Competitor LandscapePlayers: • LenDenClub • KreditBee • Slice • MoneyTap • Axio • PaySenseDBF advantage: govt-like trust + multi-service under one roof.⸻BUSINESS MODELSlide 16 — Revenue Streams 1. Loan processing fee (3–6%) 2. Interest spread (NBFC split) 3. P2P service fee 4. Late fee income 5. Insurance commissions 6. SIP/Gold commission 7. DBF Card interchange 8. Business/merchant tools⸻Slide 17 — Unit Economics • CAC: ₹38–₹65 • Avg ticket size: ₹5,000–₹25,000 • Processing fee: ₹300–₹1,000 • Recovery rate: 93% • Payback: < 14 days⸻Slide 18 — NBFC Partnership ModelNBFC provides capitalDBF provides: • Users • Underwriting engine • Digital agreement • Repayment techRevenue shared 40:60 or 50:50 (Based on model)⸻Slide 19 — Our NBFC FiltersWe only partner with NBFCs that: • Are RBI compliant • Have no monopoly partnerships • Have digital lending licenses • Offer FLDG • Allow co-lending or P2P models⸻Slide 20 — Example NBFC Partners(Not partnered yet – examples investors understand) • KrazyBee Services • Clix Capital • UGRO Capital • Northern Arc • LenDenClub NBFC-P2P • Fintree Finance⸻TECHNOLOGYSlide 21 — Tech Architecture • AI credit scoring • Bank statement OCR • PAN/Aadhaar verification • UPI AutoPay • Encrypted document vault • Smart contract loan agreements • Secure cloud infra⸻Slide 22 — AI Scoring ModelInputs: • Bank analysis • SMS analysis • Behavioural analysis • Cash flow prediction • Repayment probabilityOutputs:DBF Score (0–900)⸻Slide 23 — Security • AES 256 encryption • PCI-DSS compliance • RBI digital lending guidelines • No data resale • Mandatory consent framework⸻BRANDSlide 24 — Brand IdentityInspired by Indian tricolor 🇮🇳Colors: • Saffron (#FF9933) • Bharat Green (#138000) • Navy Govt Blue (#3A2F2F) • Ash White (#F0EDEF)Fonts: • Poppins • InterTone:Government-grade, trustworthy, simple.⸻Slide 25 — Logo MeaningD + B interconnected =Digital + Bharat =Unity, Governance, Trust.⸻Slide 26 — Tagline“India’s Trusted Digital Finance Platform.”⸻Slide 27 — USP Summary • Govt-style branding • Full-stack fintech • AI-powered scoring • India-wide accessibility • Transparent pricing • Super-app model⸻TRACTION / PROOFSlide 28 — Prototype Read
Written by the company on its public Startup India profile. Not verified by us.
The listing
What the startup says
- Registered on Startup India
- 2025
- Self-declared stage
- Validation
- Industry
- Finance Technology
- District
- Nautanwa
- State
- Uttar Pradesh
Nearby
More startups near here
Nautanwa has one other startup with enough on file for a card, so this row reaches across Uttar Pradesh for the rest, ranked by the evidence held on each, the same six things the dots near the top count.
Around it
The neighbourhood
This startup carries no locality line, so the district is the finest ring we can place it in.
Uttar Pradesh's startups are analysed district by district in a 57-page report. About the report
Limits
What we do not know
- no CIN on file, so no company-registry record is linked
- no incorporation date
- no funding signal of any kind
- no address beyond the district
We have no liveness signal for any company on this site: no filings feed, no revenue, no check that the website still resolves. A startup existing here means a startup exists, not that a business is trading.
Is this your company?
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