Financial Institutions

Banks, Non-Banking Financial Institutions, Microfinance Institutions and Insurance

Make informed lending decisions in real world with advanced predictive analytics. Our intelligent credit scoring engine learns from based on behavioural insights of customers and reduces risk in real time. Our system makes lending dynamic and hyperpersonalised which enhances customer engagment and loyalty. Upgrade conventional banking and onboard customers with one application.

Expansion to new market segments

Opening door to new market segements and turn them into a bankable asset class. This includes new-to-bank , new-to-credit, thin-file document, millennial and self-employed.

Lower cost of risk

Unlock the power of AI and ML to assess customers fast and make informed lending decisions. Resulting real time risk mitigation with a fraction of cost.

Faster decisions

Our innovation boosts a lending decision turn round time from days to just under 5 minutes.


Financial Independence

Reduce your payroll stress and boost employee's financial wellness through AGAM's platform .

Employers no longer have to worry about any unexpected delays in payroll and have undue stress for employees. Employees can apply for a nano loan at any time in the month for any emergency. This enhances their financial wellness of employees, reduces financial stress and boosts efficiency.

Interested to set this up ?

How employees will apply


Advanced lending for FMCG retailers

As a brand of FMCG, you can assist your distributors, retailers and micromerchants with instant access to working capital. Digital lending support facilated by AGAM partner banks and financial institutions with instant application.

Our system helps onboard distributors, retailers and micro merchants, empowering every stakeholder at every step of the supply chain. Each of these businesses ca avail finance in minutes and avoid any undue disruption.

Instant loan

Collateral free loan

Digital onboarding

Interested to set this up ?

How retailers will apply for loan