Business continuity for SHG enterprises and MSMEs
One shock should not stop a business, or its loan.
Nirantar means "without a break". One owner file shows what each shock could take, makes the business credit-ready, closes gaps with schemes and cover, and keeps the EMIs paid when disaster strikes.
What the owner hears
Kuch bhi ho, kaam chalta rahe.
Kahihi hou de, kaam chalu raahu de.
Whatever happens, keep going.
Backed by
DPIIT-recognised startup · Udyam-registered MSME
Thin buffers, almost no protection, and a loan that keeps falling due
70%+
of Indian MSMEs hold less than one month of working capital
5–15%
have any insurance at all
80%
of women-led nano and micro businesses did not even try to borrow in three years
Source: UNDP–Generali Central MSME resilience research, November 2025 (borrowing figure citing CGAP)
Preparedness is part of credit readiness
A lender asks two questions.
Can you repay?
Records, cash flow, collateral
Will you keep repaying when something goes wrong?
Proof of assets · a working-capital buffer · cover that pays · help getting the claim settled
Lenders need borrowers whose EMIs keep coming after a disaster
After a flood today
EMIs paused or rescheduled across the whole district. The debt stays; the business restarts with nothing.
With a protected borrower
EMI cover pays up to 3 EMIs straight to the lender. Asset proof taken before the shock, so the claim moves in days.
What the lender gets
Repayments that continue, and owners back in business, ready for the next loan.
−35% default when good borrowers could skip up to 2 instalments, with lender profit up 27% (BRAC, Bangladesh; J-PAL).
EMI cover is a custom product in design with insurers. Voluntary: never a condition of a loan.
One owner file, five steps
- 1Uncover for BusinessWhat each shock could take, in rupees, one event at a time
- 2PrepareSeason plan, prevention steps, emergency fund, saving toward cover
- 3AlertOfficial warnings for her district, with what to do now
- 4ProtectSchemes first, then cover for each gap, including EMI cover for the loan
- 5RecoverClaim file ready from the day of enrolment, followed to settlement
Credit-ready statement
Assets with photo proof, a cash-flow snapshot and what is missing for a loan. Shared only with the owner's consent, one lender at a time, with a QR check. Never a score.
Built for the field worker
The field worker runs the assessment, offline if needed. The owner installs nothing: WhatsApp messages in her language, a printed statement, a web link. Marathi, Hindi and English.
AI with a person in charge
Voice, documents and photos understood in the owner's language. Every rupee figure comes from a tested rules engine, every answer cites its source, and a person approves each action.
Everything a business needs to keep running, in one place
Owners come through
SRLMs and SHG federations
MFIs, NBFCs, small finance banks, banks
Associations, CSR funders
AVYA Nirantar, one platform
What each shock could take, in rupees
Photo proof, geo-tagged and dated
Shared with consent, one lender at a time
Up to 3 EMIs paid to the lender after a disaster
14 schemes, enrolment tracked
Assets, health, hospital cash, accident, life
Ready from day one, followed to payment
Official warnings, what to do now
Connected to
Cover issued, KYC on their systems, claims settled
Schemes, Udyam, disaster relief
One price per assessment; insurance stays separate
Nirantar assessment
₹299
per owner assessed, covering 12 months of everything in the app
Paid by the partner: SRLM, lender, CSR funder or association. Never charged to the owner, never added to a loan.
Insurance, if chosen
₹500–2,500
a year per cover, paid by the owner straight to the insurer
Never a condition of the assessment or of a loan. Indicative; the insurer sets the final premium.
Built for the 2026 rules, not around them
Never a loan condition; nothing added to the loan, its KFS or APR
Each lender sees a statement only after the owner agrees, logged
Uncover is the documented needs analysis, with an audit trail
Premium goes from the owner's account to the insurer
RBI Responsible Business Conduct Directions (in force 1 Jan 2027) · RBI Key Facts Statement circular, 2024 · IRDAI draft on insurance distribution, Sep 2026 · DPDP Act 2023
Built by experts in insurance innovation and inclusive finance
Bhakti Dama
Founder
25 years in insurance product design and underwriting · ICICI Lombard; VP, HDFC ERGO · 250+ products · granted Try & Buy patent
Purvi Bhavsar
Mentor
MD, Pahal Financial Services
Backed by
Run a 12-week pilot with us
200–500 owners in one district
Your staff run the assessments; we train them in half a day
Consent-based sharing, agreed up front