Our Story

Mission

Leverage Technology to build and deliver contextual Financial Products for the Next Half Billion people and transforming into a full stack Digital Bank by 2026.

Vision

To include, empower and transform the Next Half Billion people by providing access to easy, affordable and transparent Financial Services.

Overview

GROx is India’s next-gen digital lending and savings platform.

GROx has developed unique data science models to democratize credit for millions of borrowers. Our loan customers are drawn from the ‘Next Half Billion’ segment, who are not yet part of the formal credit system. This segment comprises households with an annual income between INR 1.4 Lacs to 4.5 Lacs and forms 45% of the society but has access to only 8% of the formal credit.

Real-time analytics and credit reports based on alternative data enable us to reach unserved and underserved market segments. GROx aims to make fair and transparent credit available to people to provide meaningful financial inclusion.

GROx has further strengthened its financial inclusion goal through its financial wellness program, for corporates and individuals. We have now expanded our portfolio to include mini and micro loans, insurance, Bill Payments, mutual fund SIPS, E Gold and E Tax filing service. Now customers can approach us for all their financial needs to secure their financial future.

Our Team

Founders

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Monish Anand

CEO & Founder, Ashoka Fellow

CEO is often a Chief Everything Officer, I see my role to lead, learn, aspire and energize.

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Rahul Sekar

CTO & Co-Founder

I am leading the next generation tech platform to bring responsible credit to the masses by enabling the team at GROx to execute their innovative ideas.