Vayana Network

Digitally authenticates transactions between buyers and sellers, allowing banks and financial institutions to lend with reduced risk.

Vayana brings together Corporates, their trade ecosystems, and Financial Institutions (FIs) with specialized Supply Chain Finance Solutions.

Large buyers/anchor corporates in a supply chain seeking to optimize working capital.

Vendor and small-to-medium enterprises across the supply chain needing working-capital liquidity.

Banks and NBFCs that need supply-chain-finance infrastructure to lend to MSMEs with reduced risk.

Vayana onboards both large corporates and the smallest MSMEs with equal speed and ease, using a simple one-click process for suppliers that removes friction and drives high utilization of available credit.

For partner banks and financial institutions, Vayana frames the relationship around helping them build a scalable, profitable lending portfolio that they retain and grow over time, rather than a one-off referral.

Corporates running supply-chain finance programs on Vayana benefit from expanded supply-chain coverage, predictable cashflows and increased sales -- positioning Vayana as an ongoing embedded program partner rather than a one-off vendor.

Functions as the technology and infrastructure backbone enabling seamless collaboration between corporates, suppliers and financial institutions.

Vendor Financing, Purchase Bill Discounting (PBD), Reverse Factoring.

Dealer Financing, Receivables Financing, Factoring, Trade Receivables Securitisation (TRS).

Post-shipment export financing covering 80-90% of invoice value.

Vayana's own technology has processed over 5 million financing transactions, powering a network that has financed close to USD 40 billion across 300,000+ enterprises and 3,000+ supply chains.

Vayana operates as an RBI-licensed Payment Aggregator, running one of India's largest B2B payment platforms.

Vayana positions itself as India's first Dual-IRP enabled GSP, offering enriched-API and pass-through-API e-invoicing services certified to PCI Security, ISO 27001 and SAP Certified Integration standards.

Rubix Data Sciences, a Vayana subsidiary, runs the Rubix ARMS business-intelligence platform, which integrates data from over 120 sources to generate credit risk scores and credit-limit recommendations for corporates, banks and NBFCs.

Vayana holds a non-banking finance company (NBFC) license from the RBI, letting it take supply-chain-finance loan exposure onto its own books rather than only acting as an aggregator for partner lenders.

IDBI Bank partnered with Vayana Network as its first fintech partner, to offer end-to-end digital supply-chain-finance solutions to corporate and small-business banking clients.

Vayana's RBI NBFC license opens the door to co-lending partnerships with larger banks and NBFCs, under which Vayana takes on a share of the loan exposure directly instead of only referring it.

Vayana's digital network connects corporates and their trade partners to financing from partner financial institutions, including banks and NBFCs.

Vayana joined the SME Finance Forum, a global membership network connecting banks, fintechs and development institutions focused on financial inclusion for small and medium enterprises.

Largest share of operating revenue in FY24.