What Credin does

Credin (legally Upkram Technologies Private Limited) is an India-based B2B2C fintech operating a digital lending marketplace focused on cattle financing for smallholder dairy farmers in rural India. Founded in 2019, the company identified product-market fit in the dairy farming sector in late 2021 and has since concentrated its technology and distribution stack around this vertical. Its core product surface comprises the CREDIN SAFAL mobile application (available on Google Play), cattle loan products, and an embedded cattle insurance product bundled directly with loan origination. The platform uses AI-powered automated underwriting to evaluate applications, analyze dairy farm productivity, and predict loan defaults — capabilities the company describes as built over three years of dairy-specific IP accumulation.

The operating model is a hybrid digital-physical marketplace. Farmers apply through the SAFAL app, via Field Sales Officers (FOS) operating at the village level, or at Smart Branch physical locations. Loan funding is provided by 12+ partner lenders including Slice Small Finance Bank, Northern Arc Capital, Light Microfinance, Ajivika Finance, Roha Housing Finance, and Arthmate Financing. The end-to-end workflow — quick digital application, paperless KYC, AI-driven approval, digital signing of KFS / sanction letter / loan agreement, E-NACH setup, and direct bank disbursement — is delivered through Credin's technology layer, while credit risk and capital sit with the lending partners.

Credin earns revenue primarily through loan facilitation and referral fees from lending partners on originated loans, supplemented by commission on the embedded cattle insurance product. The company is venture-backed by Y Combinator and Peak XV (formerly Sequoia India/GIC), is led by co-founders Rupesh Bishnoi (Rural Management background) and Birju Naik (channel sales expertise), and has assembled an advisory board that includes a former Temasek MD, banking veterans from Kotak/HDFC/Axis, and a dairy sector specialist. Operations are headquartered in Noida with a registered office in Ahmedabad, and the company is actively serving farmers across Rajasthan and Gujarat with stated ambitions for pan-India scale.

Name

Credin

Legal name

Upkram Technologies Private Limited

Website

https://credin.in

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Credin is an India-based B2B2C fintech marketplace that connects last-mile smallholder dairy farmers with banks and NBFCs for cattle loans and embedded livestock insurance via its SAFAL mobile app, AI-powered underwriting, and rural field sales network.

Ownership category

akta.pro rank

Headquarters

HQ city

Vadodara

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Loan Facilitation / Referral Fees: CREDIN acts as an intermediary platform connecting dairy farmers with lending partners. The platform earns referral/ facilitation fees for sourcing and processing loan applications through its digital platform and field network.
2. Embedded Insurance Commission: Cattle insurance is integrated directly with the loan product. Credin earns commission on bundled insurance policies sold alongside cattle loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Credin operates an AI-powered digital lending platform that connects smallholder dairy farmers in rural India with a network of 12+ lending partners (banks and NBFCs) for the purpose of financing cattle purchases. The platform is accessed through the CREDIN SAFAL mobile app, Field Sales Officers, or Smart Branch locations, and handles the full loan lifecycle from digital KYC and AI-driven underwriting through to embedded cattle insurance and direct disbursement to the borrower's bank account.

Product overview

Credin is a financial technology platform offering cattle loans and embedded cattle insurance specifically designed for dairy farmers in India. The core offering consists of the CREDIN SAFAL mobile application, which serves as the digital platform for the entire loan lifecycle, paired with cattle loan products and integrated cattle insurance coverage. The platform connects farmers with multiple lending partners and uses AI-powered automated underwriting for fast loan decisioning. The cattle loan serves as the primary financial product while the embedded cattle insurance provides risk protection as an integrated add-on.

Differentiator

Problem solved

Functional benefit

Products and services

• CREDIN SAFAL Mobile App Mobile application for dairy farmers to apply for cattle loans, complete digital KYC, submit income and cattle details, digitally sign KFS/Sanction Letter/Loan Agreement, set up E-NACH, and receive AI-powered loan approval with direct bank-account disbursement. Available on Google Play Store.
• Cattle Loan Flexible and affordable financing product designed for the purchase of dairy cattle, targeted at smallholder dairy farmers in rural India. Features competitive interest rates (set by lending partners), quick AI-powered approval, minimal documentation, flexible repayment schedules, and direct disbursement to the borrower's bank account. Funded by 12+ lending partner banks and NBFCs.
• Embedded Cattle Insurance Integrated livestock insurance policy bundled with Credin's cattle loans to protect dairy farmers against unforeseen loss of cattle due to illness or accident. Provides comprehensive coverage with affordable premiums and a seamless claim process; embedded directly into the loan journey via the SAFAL app.

Quantifiable outcome

• Double daily milk production achieved by customer who purchased two additional cows with Credin loan

Named customers3 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Satin Creditcare Network: Satin Creditcare is a listed Indian microfinance and SME finance company with deep rural distribution. Comparable as a broad rural lender whose customer base and partner-bank ecosystem overlap with Credin's, representing a potential partner or competitor depending on segment focus.
• Svatantra Microfin: Svatantra Microfin is a large Indian microfinance institution lending to rural women borrowers and small businesses. Comparable to Credin as an established rural credit provider whose rural, thin-file customer segment overlaps, though it uses a group-lending model rather than digital AI underwriting.
• Samunnati Financial Intermediation & Services: Samunnati is an agri-finance NBFC providing working capital and term loans across the Indian agricultural value chain, including FPOs and smallholders. Comparable as a larger, established rural/agri lender whose customer base and loan products overlap with Credin's dairy farmer segment.

Direct peers

• Avanti Finance: Avanti Finance is a digital NBFC building tech-led lending for underserved rural and small-business borrowers in India. Comparable to Credin as a tech-first rural lender with an asset-light digital model and a focus on financial inclusion segments.
• GramCover: GramCover is a rural-focused insurtech distributing insurance to smallholder farmers and rural customers via digital and partner channels. Comparable to Credin's embedded cattle insurance arm; both target rural India with bundled financial products distributed through agri and dairy ecosystems.
• Stellapps: Stellapps is an end-to-end dairy technology platform offering IoT, herd management, and financial services to Indian dairy farmers. Comparable because it sits at the intersection of dairy domain technology and rural finance/insurance for the same smallholder dairy customer Credin targets.
• Jai Kisan: Jai Kisan is a B2B rural fintech that finances farmers and rural businesses through a marketplace of lending partners using digital onboarding and analytics-based underwriting. Most directly comparable to Credin as a digital loan facilitator targeting underserved rural borrowers via a multi-lender, asset-light model.
• Rupeek: Rupeek is a digital gold-loan platform that has expanded into rural and semi-urban India, originating loans against gold jewelry via a partner-funder model. Comparable to Credin as an asset-light digital lender that relies on lender partners and serves thin-file borrowers outside Tier 1 cities.

Emerging players

• BharatAgri: BharatAgri is an agritech platform providing advisory, input marketplace, and embedded finance offerings to Indian farmers. Comparable to Credin because it uses a data-driven digital layer plus field distribution to monetize Indian smallholder farmers with input and financial products.
• DeHaat: DeHaat is a full-stack agritech platform serving Indian farmers with inputs, advisory, and market linkages, and has been expanding into embedded credit and insurance. Comparable to Credin because it leverages farmer data and a physical + digital network to distribute financial products to smallholders.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/credin4
• LinkedInlinkedin.com/company/30901993

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credin