Flexible Working Capital Solutions
We offer solutions that our customers need, we understand their occupation business cycle, do not demand their bureau or hard
documentations, and can still provide short term flexible micro capital to micro-enterprises with
special focus to women micro-entrepreneurs by using reliable verified data, occupation working
capital, digital records, and social factors.

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ARTH VridhiFirst of its kind individual micro-enterprise loan offered to budding
and promising micro-entrepreneurs, ARTH Vridhi is a highly
customized loans with easy repayment terms linked with occupation,
tailor-made as per business growth & seasonality.Apply Now- Working Capital Business Loans ranging: Rs. 20K – 200K
- Tenure: N Day (weekend loans – 15 months)
- Repayments enabled for: Direct from Account,
UPI, Wallets,
Agents - Credit Insurance linked to the loan
- Hospital Insurance (opt-in)
- Other Health Insurance (opt-in )
- Bundled Welfare Services
Flexible Working Capital SolutionsFeatures -
ARTH SafalARTH Safal is the fastest and the easiest working capital loan for smallApply Now
businesses to support their growth and for their inventory requirements –
Instant approval & easy repayments through automated daily installments
deducted from the POS/wallet transactions.Flexible Working Capital Solutions -
ARTH SwabhimaanARTH Swabhimaan is a digital credit support under the PM SVANidhiApply Now
scheme to provide working capital support to registered street vendors
affected due to COVID-19 led lockdowns.Flexible Working Capital Solutions -
ARTH AvatarDesigned specifically for essential service providers in urban India,Refer Now
ARTH Avatar enables trust-based access to responsible finance ranging
from Rs. 20K to Rs.50K to household essential workers referred by their
closed networks.Flexible Working Capital Solutions -
ARTH SanchayARTH Sanchay is a unique "Financial Assistance Credit Plan" designedApply Now
for aspiring small businessmen, daily wage earners, and petty service
providers to provide them financial assistance while accumulating funds
safety for future use over a period of time.Flexible Working Capital Solutions
Micro Insurance Protection
We enable insurance protection to our customers & their households in partnership with like-minded insurance providers driven to support the underserved.


Micro Insurance Protection
We enable insurance protection to our customers & their households in partnership with like-minded insurance providers driven to support the underserved.

Credit Shield
ARTH Suraksha
ARTH Suraksha is a credit insurance facility for the borrower & co-borrower to protect the customer & their household with a premium waive-off against unforeseen casualties. The product also gives up to 3 EMI protection facilities for the borrower & the co-borrower in case of continuous hospitalization.
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ARTH SanjeevniARTH Sanjeevni is the hospital insurance product offering
protection against hospitalization to the customer and their
family of two children with daily cash benefits.Apply Now- Daily cash benefit of ₹500 starting after 48 hours of
hospitalization - Covers for 30-days of hospitalization
- Age Limit - Up to 60 years
- Initial Waiting Period - 7 days (except for accident cases)
HealthFeatures - Daily cash benefit of ₹500 starting after 48 hours of
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ARTH SwatchARTH Swasth is an income protection solution providing financial
support as a lump sum amount in case of detection of airborne
diseases against an affordable one-time premium for the period of
one year.Apply Now- Sum insured of up to Rs. 15,000 on disease detection
- Covers for hospitalization due to airborne diseases
- Age Limit - Up to 60 years
- Initial Waiting Period - 7 days (except for accident cases)
HealthFeatures

Life
ARTH Jeevan
ARTH Jeevan is a micro-savings life insurance plan for five years where the customer gets to secure their finances & is insured with a fixed amount in case of causality.
Features:
Maturity Benefit: At the end of 5th policy year and the amount will be dependent on the Life insured’s age at entry
- 18-25 years : Rs 275
- 26-40 years : Rs 260
- 41-55 years : Rs 235
Digital Payment Services
We intend to reach where banks cannot. ARTH with collaboration partners provides platforms for easing access to digital banking benefits to the last miles who in case have to visit long distances to avail banking/payment services.


Digital Payment Services
We intend to reach where banks cannot. ARTH with collaboration partners provides platforms for easing access to digital banking benefits to the last miles who in case have to visit long distances to avail banking/payment services.

Banking and financial services
ARTH Pay
ARTH Pay gives a platform to micro retailers to go online & become their local digital service provider to earn extra income through commissions on every transaction,along with loans for their business’s working capital needs.
Banking and Financial Services:
- Aadhaar Enable Payment System (AEPS) – Deposit, withdrawal, mini statement, balance inquiry.
- Mobile ATM(MATM) – Deposit, withdrawal, mini statement, balance inquiry.
- Bharat Bill Payments Systems (BBPS)- Bill payments, mobile, DTH, GAS, Electricity and others.
- PAN Card (UTI)– Application of new pan card, duplicate PAN, updates.
- Domestic Money Transfer (DMT) – Transfer money to anyone in India without their bank account.
- Insurance & Credit –Marketing Insurance & Loan Products of ARTH to their network.
Hardware
- Finger print device with SD service (For one year)– for AEPS transactions
- MATM–For mobile ATM services
Extra Income opportunity for Distributors
We have earning opportunities for the Distributors as well. Distributors can become ARTH Channel Partners to onboard their retailer networks to offer our services and get access to earning through commissions & incentives on every transaction. Each retailer and the distributor earns an income on every financial transaction.
