Our strategy integrates advanced technology with the stringent regulatory framework of NBFCs to deliver:
Seamless integration with credit bureau ensures accurate credit assessments. Our predefined rules help determine Loan to Value eligibility, offering you tailored financial solutions.
Our advanced, configurable rule engine complies with specific, configured policies and regulatory requirements, providing instant, reliable loan decisions.
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.
Streamlined processes supported by digital signatures and pre-populated documents uphold the highest standards of compliance, as mandated for NBFCs.
Comprehensive risk management systems perform CKYC reporting, validation and other compliance checks, ensuring adherence to all regulatory requirements.
A consolidated data repository from various sources enhance our ability to provide data-driven insights, crucial for maintaining transparency and trust.
Be at the forefront of providing accessible financial services to all, catalyzing India's growth and enriching lives.
Enabling financial freedom for every household, guiding them to a brighter, more prosperous and secure future.
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
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
With a PG Diploma in Business Administration, Hemamalini directs Aparoksha’s credit operations, focusing on credit risk assessments and portfolio management. Her experience at Sundaram Finance, HDFC Limited and The Lakshmi Vilas Bank enriches her ability to manage credit processes, ensuring financial prudence and a robust loan portfolio....Read More
Shreyesh holds an MBA and a B.E., leading Aparoksha’s process optimizations and operational logistics. His previous strategic roles in retail lending and business development at HDFC Limited and The Lakshmi Vilas Bank contribute to refining operational workflows, systems, processes and enhancing service delivery. ...Read More
Armed with an MBA and a B.E. in Civil Engineering, Venugopal architects and executes national sales strategies at Aparoksha. His varied experience from ICICI Bank, HDFC Group, and Tata Capital Housing Finance fortifies Aparoksha’s market presence and revenue growth through streamlined sales operations and market penetration. ...Read More
Hariprasad, holding an MBA, commands the collections and compliance sector of Aparoksha. His expertise in risk management and regulatory compliance, cultivated at the HDFC group and Citibank, ensures Aparoksha upholds high standards of financial integrity and operational legality. ...Read More
Experience a fully digital, paperless loan journey with real-time approvals and disbursement directly via your mobile.
Access tailor-made loan offers with competitive terms, ensuring you get the best possible financial solutions swiftly.
Deliver a fully digital customer journey, reducing operational costs and enhancing user experience through advanced automation.
Employ our rule-based engine for accurate credit assessments, minimizing risks and enhancing decision-making.
Expand operations effortlessly with our automated service delivery, optimizing capacity and cost-efficiency.
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.