ArthImpact, Economic prosperity, Wealth creation.
The pursuit of arth(अर्थ) is considered an important aim of life in traditional Hindu philosophy. ArthImpact enables economic prosperity & wealth creation for small businesses


ArthImpact helps people pursue their dreams by making it easy and affordable to manage money. ArthImpact offers small monthly loans starting from INR 2000 upto INR 1 Lakh to small and medium sized enterprises in cases when they want to stock up for an eventful sale or store renewal or a simple cashflow mismatch. ArthImpact partners with merchant aggregators to identify and assess borrowers. The business is driven by the objective of not only empowering 600 million Indians who do not have access to mainstream credit facility but also making the service available at the tip of their fingers.



ArthImpact aims to solve a real life problem that many merchants & individuals face to meet their regular financial gaps.



Built with cutting-edge technology, the entire process has become 100% paperless, enabling instant approval and disbursement.


Designed for humans

We believe simplicity is graceful & we have made the process so simple & easy that one doesn’t need to know banking to get a loan from ArthImpact.


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Our Constituents


Everyone of us is in pursuit of Happyness & it may be surprising for most of us that happyness is found in the small things of life. Happy Loans offers microcredit to microenterprises for as short as 90 days to fulfill their unique working capital requirements. Happy aims to address to 600 million people who do not have access to mainstream banking. These loans are not only affordable but very flexible with the tenure. India's smartest end-to-end digital lending brand, Happy, is making an arth(economic) impact in many lives everyday.

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ArthLabs is the technology, product development and research arm of ArthImpact. ArthLabs operates the first end-to-end digital lending platform for micro- and small enterprises (MSMEs) -- ArthCloud™. Built in close collaboration with ArthImpact, ArthCloud™ features a proprietary scoring and monitoring system based on real-time, validated sales data form "merchant aggregator" partners. These payment processors, remittance companies and distribution networks connect to ArthCloud™ via API to share data and process transactions, thereby enabling instant loans for their merchant partners with minimal integration and setup cost. Partners that introduce Arth's low-cost, paperless financing grow business volumes and improve retention.

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Our Story

ArthImpact wants to make a revolutionary offering for more than 600 million people who do not have access to mainstream credit facility in India by offering small loans for their regular life. Money should never inhibit an individual's desire.



Asking a friend or a family member for money can be socially embarrassing, these loans encourage financial independence.


Improve Credit score

If one has never taken a loan, ArthImpact will be very happy to offer a loan. Customers can improve their credit score with in-time repayment for a better loan facility for future needs.



Two clicks and the money is straight in the bank account. We do all the work for our Merchants to get them a hassle-free loan because he must always attend to his business & not lengthy loan procedures



I have never experienced such a smooth credit facility. Zero paperwork is so advanced & impressive. I am willing to take the loan again.

Gaurav Narula

Loan Amount: ₹ 80,000


I was so surprised to see the loan amount in my bank account within a day. The interest rate is negligible for the service offered

Rakesh Bhattachariya

Loan Amount: ₹ 40,000

I needed money for personal use & this credit facility came in so handy. I was happy I didn’t have to go to my father or my friend to ask for money.

Sakshi Mehra

Loan Amount: ₹ 20,000


I took a loan for the first time & it was so easy.
I am excited that now I am eligible for a higher loan for my business

Prashant Sinha

Loan Amount: ₹ 50,000




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    Manish Khera Founder & CEO

    Entrepreneur, Investor & a Movie buff

    CEO- ICICI Bank, Fino PayTech, Airtel Payments Bank, YTS, Mera Doctor, Farmart, Ambee, Dhanax

    • Pioneer in alternate channels, digital payments & financial inclusion in India.
    • Founded Alternate Channels at ICICI Bank (’04). Worked across MFI, Branchless Banking, Self Service and Payment technologies.
    • Founded FINO PayTech (’06), India’s first payment and micro banking network, serving 60+ mn customers. Brought in 26 banks, Blackstone, IFC, Intel Capital as investors and led FINO PayTech MD & CEO until 2013.
    • MD & CEO of Airtel Payments Bank, the first payments bank to receive RBI license and launch the telco led payments bank in India.
    • Investor, Board Member & Advisor in payments, technology and impact ventures across Fintech, Heathtech, Agritech – YTS, Dhanax, Mera Doctor, Ambee, Farmart
    • Young Global Leader by World Economic Forum
    • DFID Scholar, Cambridge University

    linkdin wiki

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    Gautam Ivatury Founder & Head Product

    Serial Entrepreneur, Aspiring Pianist & Cryptocurrency Dabbler

    Director, MeraDoctor, Vaya Finserv Co-founder, Signal Point Partners Manager, CGAP Tech Program

    • CFO at SKS (’02-’03), first Indian MFI to IPO.
    • Founded CGAP (World Bank) digital finance program backed by Gates Foundation (’03-’08).
    • Chairperson, GSM Association's Mobile Money for the Unbanked Fund (’09-’11).
    • Co-founded Jipange KuSave, the 1st digital savings & lending business in Kenya (’09-’10).
    • Advised Microsoft, Visa, IBM, Safaricom, Orascom etc. on mobile in emerging markets.
    • Has been Advisor to the MIX, Accion Venture Lab, Encourage Capital.


Advisory Council

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    Mr M.V. Nair Advisor

    • Chairman, TransUnion CIBIL
    • Chairman, SWIFT India
    • Ex-Chairman, Indian Bankers Association
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    Mr Anil Sinha Advisor

    • Regional Head - IFC
    • Advisor, GIIN
    • Chairman, Strategic Advisory Board - Millennium Alliance
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    Mr Vinay Baijal Advisor

    • CGM, Reserve Bank of India (ret’d)
    • Member, Governing Board - MFIN
    • Senior Consultant, KPMG


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    Saurabh Business

    Chess is not a game but an addiction for Saurabh. Wake him at 3 AM, and he will be ready to beat you up in just a few moves.

    “Winners never quit & quitters never win!”

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    Bhawna Human Resource

    This obsessive-compulsive fitness fanatic drives everyone to sweat it out until they drop dead.

    “The reason I exercise is for the quality of life i enjoy”

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    Vidhyut Accounts

    Pleased as punch, Vidhyut enjoys everything he has achieved with joy every day

    “Wake up with determination, sleep with satisfaction”

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    Abhishek Design

    A zealous Indian vernacular learner, Abhishek applies his wit in almost all languages

    “I think therefore I am”

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    Anil Partners

    Storyteller & party enthusiast, Anil knows how to make it large

    “Work hard, Party Harder”

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    Chandni Marketing

    Creative in her style, she does magic with people!

    “You’re the driver of your fate”

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    Gaurav Product

    Gaurav's love for travel & adventures inspires him to run marathons in over 16 countries of the world

    “The race is first won in your head”

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    Jay Operations

    If cricket is his religion than Amitabh Bachchan is his God. A die-hard BigB fan, whose passion for cricket can make even the greatest commentators insecure

    “Speak Little, Do Much”

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    Maitreyee Human Resource

    Jovial, chirpy & talkative - makes Maitreyee the heart of wherever she is. Her only weakness is Mishti doi, Roshogulla and saving

    “Happiness is an inside job”

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    Nikhil Program Manager

    Man of a few words & more animation, Nikhil is a quirky techy in the house

    “I do not fear computer, I fear lack of them”

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    Nishant Customer Service

    Foodie and travel junkie, Nishant has explored more than 100 locations across the world.

    "Live life king size"

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    Ram Analytics

    Explorer & adventurous, Ram can ride away to glory

    “If it’s easy, it’s not fun!”

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    Santhosh Risk

    Santhosh enjoys food at only 3 places; Here, There & Everywhere!

    “Risky is Whisky”


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