Ab Har Retailer Banega Saksham!
Buy Now. Pay Later. 0% Interest.*
UdhaarPe gives your kirana store the power to stock up today and pay in easy instalments — without interest.*
Stock Badhao, Business Badhao
Everything your kirana store needs to grow — without the cash-flow stress.
0% Interest on Inventory*
Purchase essential stock today under eligible subvention programmes — zero interest, zero stress.
Quick Digital Credit
Fast, paperless credit approval so you never miss a restocking opportunity.
Flexible Instalments
Repay in easy instalments that match your business cash flow — no pressure.
No Cash-Flow Pressure
Keep your shelves full and your customers happy without draining your working capital.
Serve More Customers
Never say no to a customer because you ran out of stock. Stock more, sell more.
Build Your Credit Profile
Every on-time repayment strengthens your digital credit profile for bigger limits.
Kaise Kaam Karta Hai UdhaarPe?
5 simple steps to get your kirana store powered up.
Register Your Business
Sign up with your basic business details — quick and completely digital.
Complete Digital KYC
Verify your identity and business with a simple, paperless KYC process.
Check Your Limit
See your eligible purchase limit instantly — no waiting, no branch visits.
Buy Stock from Suppliers
Purchase inventory from approved suppliers using your UdhaarPe credit limit.
Repay in Easy Instalments
Pay back conveniently in flexible instalments that suit your business rhythm.
*Zero-interest facility is available on eligible purchases under participating supplier or brand subvention programmes. Credit approval, limit, tenure, processing fee and other terms are subject to the lending partner's policy and applicable conditions.