πŸ›οΈ About FLOCRED

India's first
AI-powered
loan platform.

We believe every Indian deserves a fair shot at credit. Not because they know the right banker β€” but because an AI can find the right one for them.

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FLOCRED PRIVATE LIMITED
CIN: U67100DL2022PTC400764
❀️
FLOCRED MICRO FOUNDATION (Section 8)
CIN: U85300DL2022NPL400765
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The ARIA Mission
When Abhay Rai built FLOCRED, the problem was simple: millions of Delhi NCR borrowers were walking into the wrong bank and getting rejected. ARIA changes that β€” she knows every lender, every rate, every rule. And she's free.
50+
Lender PartnersBanks & NBFCs in network
2min
ARIA AnalysisFrom profile to lender match
IPO
Target: 2029–30Building India's fintech future
β‚Ή0
Cost to BorrowersFree. Always. No exceptions.
Our Journey

From idea to IPO

🌱
2022
FLOCRED Founded
Abhay Rai incorporated FLOCRED Private Limited in Delhi. Initial focus: DSA operations for personal and home loans in Delhi NCR. FLOCRED Micro Foundation (Section 8) also registered as our CSR arm.
βœ“ Complete
πŸ› οΈ
2023
First Tech Platform
Launched first digital platform with lead capture, CIBIL upload, and admin panel. Onboarded first 10 lender partners. Crossed 500 loan referrals in first 6 months. Built internal credit assessment engine.
βœ“ Complete
πŸ”₯
2024–2026 Β· NOW
ARIA AI + Platform Scale
Integrated Claude AI to build ARIA β€” India's first AI finance concierge. Programmatic SEO across 130+ cityΓ—loan pages. WATI WhatsApp automation, Zoho CRM, Apify scraper, n8n workflows deployed. Simultaneously launching: DSA portal (β‚Ή299 / β‚Ή1,299 / β‚Ή4,999 plans), Corporate Financial Wellness, NRI Loans, Equity Shield (No NPA), and Holiday in EMI. Target: 1,200+ monthly leads, 50+ lender partners, 500+ active DSAs across Delhi NCR.
πŸ”₯ In Progress β€” Active Now
πŸ“Š
2027
Series A & Pan-India Expansion
Raise Series A funding (target β‚Ή15–25 Cr). Expand ARIA and FLOCRED operations to Mumbai, Bangalore, Pune, and Hyderabad. Launch ARIA API for third-party DSA and fintech integrations. Cross β‚Ή5 Cr ARR. 2,000+ DSA partners. ARIA handling 5,00,000+ eligibility checks/month.
Planned
πŸ—οΈ
2028
Pre-IPO Readiness
Achieve β‚Ή15 Cr ARR. Complete 3 years of audited financials required for SME IPO. Hire CFO, legal counsel, and SEBI-registered merchant banker. Launch FLOCRED mobile app. Expand to 10 cities. 5,000+ active DSA partners. File Draft Red Herring Prospectus (DRHP) preparation begins.
Planned
πŸ†
2029–2030
NSE SME IPO
Target: NSE Emerge SME IPO. Build to β‚Ή25 Cr+ ARR, 10,000+ DSA partners, pan-India presence across 25 cities. ARIA serving 2M+ queries/month. DRHP filing β†’ SEBI approval β†’ IPO listing. Employee ESOPs vest. FLOCRED Micro Foundation scales financial literacy to 1,00,000+ beneficiaries.
πŸ† IPO Target 2029–30
The Team

Built by people who understand lending

Small, fast, and obsessed with the mission. Every hire at FLOCRED is a generalist who can build β€” not just manage.

AR
Abhay Rai
Founder & CEO
Built FLOCRED from scratch β€” product, tech, sales, and ops. Former DSA operator who saw the inefficiency in loan matching and decided to build an AI to fix it.
πŸ”— LinkedIn
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ARIA
AI Finance Concierge Β· Powered by Claude AI
India's first AI loan advisor. Trained on 50+ banks' underwriting policies, 22 Delhi NCR cities, and 6 loan types. Available 24/7. Never takes a sick day.
🧠 Meet ARIA β†’
BD
Business Development
Lender & DSA Partnerships
Managing relationships with 50+ bank and NBFC partners. Onboarding DSAs across Delhi NCR. If you want to partner with FLOCRED, this is your team.
πŸ“ž +91-9319369315
Join Our Team β€” We're Hiring β†’
❀️ Section 8 Non-Profit

FLOCRED Micro Foundation

We believe fair credit is a right, not a privilege. FLOCRED Micro Foundation runs financial literacy programs for underserved communities across Delhi NCR β€” free of charge.

πŸ“š

Financial Literacy Camps

Free workshops in Dwarka, Rohini, Faridabad, and Okhla. Teaching CIBIL basics, loan awareness, and predatory lending red flags.

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ARIA for All

Free ARIA access for borrowers earning below β‚Ή25,000/month β€” India's underserved credit segment.

πŸ‘©β€πŸ’Ό

Women's Finance Initiative

Dedicated loan matching and financial coaching for women entrepreneurs in Delhi NCR. No fees. No conditions.

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Credit Builder Program

Helping thin-file borrowers build credit history through structured microfinance and secured credit products.

Foundation Registration Details

OrganizationFLOCRED Micro Foundation
CINU85300DL2022NPL400765
TypeSection 8 Company
CategoryNot-for-Profit
RegisteredDelhi, India
CSR Fund Source2% of FLOCRED Revenue
Contactfoundation@flocred.com

CSR Compliance: FLOCRED Private Limited contributes 2% of annual net profits to FLOCRED Micro Foundation, aligned with Companies Act 2013 CSR mandate. Annual reports filed with Ministry of Corporate Affairs.

Building toward India's fintech IPO β€” 2029–2030

FLOCRED is targeting an NSE Emerge SME IPO between 2029 and 2030. We're building the foundations now β€” revenue, lender network, DSA scale, and 3 years of clean audited financials. If you're an investor interested in India's AI-first lending infrastructure, we'd like to talk.

β‚Ή25Cr+
ARR target by IPO (2029–30)
10,000+
Target DSA partners at listing
2M+
ARIA queries/month at IPO scale
πŸ“§ Investor Enquiries β†’ Talk to the Founder