Business Profile: ^[1]
Northern Arc Capital is a diversified NBFC, founded in 2009 with a mission to expand access to credit for underserved households and businesses across India.
It built an ecosystem led approach known
as Credit Solutions business, where it combined its own balance sheet with external capital from other institutional investors and funds managed by them to enable seamless flow of credit.
This ecosystem-led approach coupled with
their lending to end customers has resulted in cumulative enabled the flow of over Rs. 2.5 lakh crore, impacting 140 Mn+ lives.

As Northern Arc Capital scaled Credit
Solution business, they invested heavily
in building capabilities across the entire
lending value chain right from onboarding partners, originators to distribution for both institutional and retail investors through their bonds platform Altifi.ai, as well as the credit assessment, risk management, technology
and data analytics. These capabilities became strategic assets that not only strengthened
their Credit Solutions business but also laid
the foundation for their evolution into a diversified retail lending institution.

When they entered Direct Lending, they did so with a well thought out strategy. Northern Arc Capital focused on three large and structurally attractive segments namely, MSME finance, consumer finance and rural finance. Their
skill involves underwriting, disciplined risk management and differentiated distribution. Their phygital model has enabled them to build
a scalable franchise while remaining close to the customer.