Archive · 23 Jul 2026
ShopSe: Bridging India's Credit Gap for 25 Crore Consumers
ShopSe is a fintech company from Mumbai that helps people in India buy things they want but can't afford right away.
Instead of going to a bank, they can get a loan right when they're about to buy something, like a big TV or a trip.
This helps people who have never taken a loan before to get one easily.
ShopSe works with many banks and shops to make this happen.
They've already helped people get loans worth over ₹5,000 crore.
The idea is to make sure people don't miss out on things they want just because they can't pay for them all at once.
ShopSe is a Mumbai-based fintech company that provides point-of-purchase financing.
It connects businesses, consumers, and multiple lenders in a single journey.
Most new-to-credit consumers in India first enter the credit system through consumer durable loans or BNPL facilities.
ShopSe has disbursed over ₹5,000 crore in loans and partners with 250+ leading brands.
The company aims to tap into the untapped market of 25 crore Indians who need affordability options.
- Who
- ShopSe, a Mumbai-based fintech company
- What
- A platform connecting businesses, consumers, and lenders for point-of-purchase financing
- When
- Currently operational
- Where
- India
- Why
- To tap into the untapped market of 25 crore Indians who need affordability options
Traditional Lending
Point-of-Purchase Financing
Accessibility
Traditional Lending
Requires visiting a bank branch, which can be inconvenient.
Point-of-Purchase Financing
Available at the point of purchase, making it more accessible.
Consumer Behavior
Traditional Lending
Consumers may not consider formal credit unless they visit a bank.
Point-of-Purchase Financing
Encourages first-time borrowers to enter the formal credit system.
- Company
- ShopSe
- Founder
- Pallav Jain
- Location
- Mumbai, India
- Credit Disbursed
- ₹5,000 crore
- Partner Brands
- 250+
- Target Market
- 25 crore Indians