Nine years ago, MyShubhLife (Datasigns Technologies Private Limited) began its journey with a bold vision—to revolutionize access to credit for millions of underserved individuals and MSMEs. Founded by Monish Anand and Rahul Sekar, our company has been driven by a passion for financial inclusion and technological innovation. Today, as we celebrate this incredible milestone, we look back at our journey and also ahead to an even more promising future.
Our story is one of resilience, innovation, and unwavering commitment to financial empowerment. From our early days to becoming a leader in embedded finance, MyShubhLife has continuously evolved to meet the dynamic needs of borrowers, making credit more accessible and inclusive than ever before. Our recent acquisition by U GRO Capital marks a defining moment in this journey, strengthening our ability to scale impact and transform the financial landscape for MSMEs across India.
Redefining Small & Medium Ticket Lending
The lending industry has undergone a dramatic transformation over the past decade, driven by digital advancements and data-driven underwriting. Small and medium-ticket loans, once seen as high-risk, have become more accessible, thanks to fintech innovations. By leveraging alternative data and AI/ML-powered credit assessment models, the financial gap for millions has been bridged—allowing individuals and businesses traditionally ignored by conventional banks to access timely credit. MyShubhLife has served millions of customers who were otherwise unrecognised by traditional loan providers by leveraging traditional and non-traditional data to compute people’s credit score.
Lessons Learned Along the Way
Over the past nine years, our journey has been filled with valuable lessons:
- Technology is the key enabler: AI/ML and alternative data have transformed risk assessment and loan disbursals.
- Partnerships drive scale: Collaborating with platforms like PhonePe, Meesho, and BharatPe has allowed us to reach millions.
- Financial literacy matters: Access to credit must be coupled with responsible borrowing practices and financial education.
- Adaptability fuels growth: The fintech landscape evolves rapidly, and staying ahead requires continuous innovation.mention
Pioneering Embedded Finance
At MyShubhLife, we recognized early on that financial inclusion isn’t just about providing loans—it’s about meeting customers where they are. This insight fueled our journey into embedded finance, integrating lending seamlessly into partner platforms and making credit available at the right time and place.
Our partnerships with leading platforms like PhonePe, BharatPe, Meesho, FINO, Airtel Payment Bank, SpiceMoney, Mobikwik, Flipkart, and Pinelabs have empowered users with instant, customized credit solutions. Whether it’s a small business owner selling on Meesho, a retailer using BharatPe, or a digital payments user on PhonePe, our innovative credit assessment models have unlocked new opportunities for financial growth.
Technology: The Backbone of Our Success
What sets MyShubhLife apart is our cutting-edge Lending Management System (LMS)—a robust, adaptable platform designed for seamless integration with partner ecosystems. MyShubhLife offers financial assistance to the underserved by leveraging traditional and non-traditional data to compute people’s credit score. Our AI-driven analytics engine leverages alternative data sources to provide real-time, holistic credit assessments beyond traditional banking parameters.
This technology-first approach ensures:
- Frictionless lending integration with partner platforms
- Real-time credit decisioning powered by AI/ML models
- Scalable, tailored lending solutions for diverse business needs
Our commitment to innovation has garnered appreciation from partners and customers alike, reinforcing our role as a trailblazer in the embedded finance space.
A Future Built on Innovation and Expansion
As we embark on this next phase under the U GRO Capital umbrella, our mission remains clear—to empower businesses and individuals with easy access to credit, fueled by technology and strategic partnerships.
Our focus for the future includes:
- Expanding embedded finance offerings across new industries
- Enhancing AI-driven credit models for more precise risk assessment
- Deepening financial inclusion through scalable, tech-enabled solutions
Nine years of MyShubhLife have been defined by purpose, progress, and impact. As we celebrate this milestone, we extend our heartfelt gratitude to our customers, partners, and employees who have been instrumental in our success.
The road ahead is filled with promise, and MyShubhLife is more ready than ever to lead the future of embedded finance in India. Here’s to many more years of innovation and financial empowerment!