Annual Report 2025-26
Credit Solutions
Providing solutions across focus sectors
Northern Arc serves as an ecosystem enabler engaging with Originator Partners and investors to facilitate the flow of capital across the under-served segments. Through this collaborative network, Northern Arc delivers a comprehensive suite of credit solutions.
Powering Originator Partners Across the Full Credit Continuum
Direct-To-Customer lending
Building Retail Granular lending book
Through its Direct-to-Customer (D2C) lending business, Northern Arc provides credit directly to underserved households, individuals, and small businesses across India. The business focusses on three key segments i.e. MSME Finance, Consumer Finance, and Rural Finance, addressing the diverse credit needs of borrowers who often have limited access to formal financial services.
The Company’s phygital distribution model combines an extensive network of 432 branches with 57 Digital Partners, enabling it to expand its reach across remote and underpenetrated markets while delivering a seamless customer experience. This distribution strength is complemented by proprietary technology platforms, including NuScore, the Company’s AI/ML-driven underwriting engine that leverages extensive loan performance data for credit assessment, and nPOS, its digital loan origination platform that enables faster onboarding, underwriting, and loan disbursement. Together, these capabilities support scalable growth, prudent risk management, and efficient delivery of credit to underserved customer segments.
# Customers
Sourcing Channel
Security
Ticket Size (Disbursements)
