Vivifi India
Vivifi India: Business Model Canvas
The nine-block Business Model Canvas, filled in only where a public source states it — empty blocks mean we haven't found a citable fact yet, not that the answer is zero.
Value Propositions
Emergency line of credit / personal loan for salaried individuals, 100% digital process.
sourceUnsecured personal loans up to Rs 3 lakh for salaried employees and individuals with recurring income.
sourceFast, collateral-free business loans up to Rs 10 lakh for MSMEs.
sourceCustomer Segments
Prime and non-prime borrowers with limited or no access to credit.
sourceMajority of FlexSalary/FlexPay customers earn below Rs 30,000/month, largely from smaller cities.
sourceSmall and mid-sized businesses across sectors seeking working/growth capital.
sourceCustomer Relationships
Channels
No physical branches; entire loan journey delivered through mobile apps.
sourceLoan applicants sourced through partner ride-hailing/gig-work apps under RBI digital-lending sourcing-partner disclosures.
sourceKey Activities
Fully digital origination, risk assessment and disbursement, with minimal manual intervention.
sourceKey Resources
In-house AI-driven system that drives underwriting and loan operations.
sourceKey Partnerships
Listed as a sourcing partner under RBI digital-lending disclosures (parent entity Moving Tech Innovations Private Limited).
sourceListed as a sourcing partner under RBI digital-lending disclosures (parent entity Roppen Transportation Services Pvt Ltd).
sourceListed as a sourcing partner under RBI digital-lending disclosures (parent entity Uber India Systems Private Limited).
sourceRevenue Streams
Interest charged on FlexSalary/FlexPay/Udyam Flex Loan drawdowns.
sourceCost Structure
High credit cost is an inherent feature of VIFPL's digital unsecured personal-loan business; gross NPA rose to 4.49% as of March 31, 2024 from 3% a year earlier.
sourceVIFPL writes off unsecured loans once they cross 180 days past due, the point at which credit losses are formally recognized as a cost.
sourceFAQs on Vivifi India
What is Vivifi India's business model?
Vivifi India's core value proposition centers on FlexSalary — instant emergency personal credit, FlexPay — instant credit app, Udyam Flex Loan — MSME business loans.
How does Vivifi India make money?
Vivifi India's cited revenue streams include Interest income on personal/MSME loans, Processing fees.