Aparoksha FinServ
Aparoksha FinServ
Aparoksha FinServ
Aparoksha FinServ

About Us

At Aparoksha, we are dedicated to powering the aspirations and livelihoods of every individual in India. As a registered NBFC, we adhere to stringent regulatory standards, ensuring that our financial solutions are not only innovative but also secure and trustworthy. As your reliable partner in two-wheeler financing, we make access to finance easy, efficient, and inclusive. With our convenient processes and end-to-end assistance, you can now get a loan instantly.

Technology-Driven Finance

Our strategy integrates advanced technology with the stringent regulatory framework of NBFCs to deliver:

Aparoksha FinServ

Credit Analysis & Scoring

Seamless integration with credit bureau ensures accurate credit assessments. Our predefined rules help determine Loan to Value eligibility, offering you tailored financial solutions.

Aparoksha FinServ

Automated Loan Decisioning

Our advanced, configurable rule engine complies with specific, configured policies and regulatory requirements, providing instant, reliable loan decisions.

Aparoksha FinServ

Multi-Lender & Product Support

Automatically selecting the appropriate lender based on your profile, Aparoksha ensures you benefit from the best possible terms. Our platform's capabilities enhance competitiveness in the market, providing a range of options.

Aparoksha FinServ

Document Management & Compliance

Streamlined processes supported by digital signatures and pre-populated documents uphold the highest standards of compliance, as mandated for NBFCs.

Aparoksha FinServ

Risk Management & Workflow Automation

Comprehensive risk management systems perform CKYC reporting, validation and other compliance checks, ensuring adherence to all regulatory requirements.

Aparoksha FinServ

Unified Data Store

A consolidated data repository from various sources enhance our ability to provide data-driven insights, crucial for maintaining transparency and trust.

Our Vision

Be at the forefront of providing accessible financial services to all, catalyzing India's growth and enriching lives.

Our Mission

Enabling financial freedom for every household, guiding them to a brighter, more prosperous and secure future.

Our Board of Directors

Aparoksha FinServ
Govind Ravindran
Director

With a PGDM from Xavier Institute of Management & Entrepreneurship, Govind oversees strategic direction and financial governance at Aparoksha. His robust expertise from heading business development in HDFC Limited for over a decade and leading Retail Assets & Consumer Lending anchors Aparoksha’s growth and operational excellence. ...Read More

Aparoksha FinServ
Raghav Narayan
Director

An ACA from The Institute of Chartered Accountants of India, strategically enhances Aparoksha's fiscal frameworks, regulatory and inclusion strategies. With his deep expertise in Finance and strategy, garnered from roles such as CFO and Head of Strategy at IFMR Rural Finance, Raghav injects a sophisticated approach to corporate finance and strategic alignments at Aparoksha....Read More

Our Team

Our Commitment

Aparoksha is more than a financial services provider; we are a catalyst for change in rural and informal markets. Our status as a registered NBFC ensures that we operate with the highest levels of integrity and compliance. Since our inception in 2018, we have been committed to revolutionize the two-wheeler lending market with a perfect blend of technology-driven solutions and an uncompromising focus on ethical practices. Join us on this journey of progress and empowerment, backed by the assurance of a trusted regulatory framework.

Why Aparoksha ?

Borrowers

Seamless Financial Empowerment

Aparoksha FinServ
Instant Loan Processing

Experience a fully digital, paperless loan journey with real-time approvals and disbursement directly via your mobile.

Aparoksha FinServ
Optimal Loan Offers

Access tailor-made loan offers with competitive terms, ensuring you get the best possible financial solutions swiftly.

Lenders

Streamlined Lending Efficiency

Aparoksha FinServ
Digital Automation

Deliver a fully digital customer journey, reducing operational costs and enhancing user experience through advanced automation.

Aparoksha FinServ
Precision Credit Analysis

Employ our rule-based engine for accurate credit assessments, minimizing risks and enhancing decision-making.

Aparoksha FinServ
Scalable Solutions

Expand operations effortlessly with our automated service delivery, optimizing capacity and cost-efficiency.

FAQs

AFSPL is a financial services provider dedicated to empowering India's informal and rural sectors with accessible, easy-to-understand, and reliable financial solutions. We specialize in offering tailored 2-wheeler loans that help enhance mobility and economic opportunity for our customers.

Our loans are designed specifically for individuals in the informal and rural sectors who are looking at enhanced mobility through two-wheelers. We assess eligibility based on alternative criteria and secondary data points.

Applicants are typically required to provide identity proof and proof of address as per officially valid documents stipulated by RBI.

We prioritize the security of our customers' information with state-of-the-art technology. All data is encrypted and stored securely, complying with all relevant privacy laws and regulations to ensure your information is protected at all times.

Our interest rates are competitive and vary depending on various factors, including loan amount, repayment period, and the applicant's credit profile. We strive to offer the most affordable rates to enhance financial accessibility for our customers'.

We aim for quick processing, with digitized loan approvals and state-of-the-art technology framework, typically happening within a few minutes of application. We understand the urgency often associated with purchasing a vehicle and work diligently to meet our customers' needs swiftly.

AFSPL allows early repayment of loans, reflecting our commitment to flexible financial solutions that truly serve our customers' best interests.

Our customer service is available via multiple channels, including phone (toll-free number: 1800-2028-313), email (reachus@aparokshafinserv.com), and a dedicated customer relationship executive. We ensure there's always a way for you to reach us whenever you need assistance.

AFSPL is deeply embedded in the communities it serves, offering customized financial solutions that cater specifically to the needs of the informal and rural sectors. Our processes are designed to be simple, fast, and requiring minimal documentation to remove barriers to financial access.

AFSPL offers various offline methods to track your loan details for convenience in rural areas. You can receive updates through SMS notifications, contact our customer service team via phone, or visit our local offices, where our staff can provide you with detailed information on your loan status, repayment schedule, and outstanding balance. Our aim is to keep the process as straightforward and accessible as possible, regardless of internet connectivity.