FinovateFall 2025 / OPL
Demo video will be available soon.
Presenter Profile:
How they describe themselves: OPL is India’s leading AI-driven digital lending infrastructure company, offering a fully integrated framework that empowers banks, financial institutions, and customers through automation. Backed by HSBC, crisil, Transunion, HDFC Bank, SIDBI, NABARD, SBI, and others, OPL has partnered with 200+ banks to make credit accessible to SMEs. With 2 million SMEs onboarded and over 28 billion dollars sanctioned OPL sets new benchmarks in efficiency and innovation, driving the future of India’s credit ecosystem.
How they describe their product/innovation: Cash flow-based lending provides digital credit lines and transaction-based financing by analyzing sales, purchases, and bank data using an AI-powered Business Rules Engine (BRE) for risk assessment. The process is fully digital, enabling real-time disbursements without human interaction. With STP journeys and open API structures, this advanced AI powered BRE system supports large-scale adoption, making working capital financing seamless, efficient, and accessible for businesses.
Product distribution strategy: Direct to Consumer (B2C), Direct to Business (B2B), Through financial institutions, Through other fintech companies and platforms
Credit Union/Community Bank Fit: Credit unions and community banks
Contacts:
Bus. Dev.: Ronak Shah (CEO), [email protected], +91 9327094394
Press: Revathy MS (Associate VP – Digital Marketing), [email protected], +91 7567154224
Website: oplinnovate.com
LinkedIn: linkedin.com/company/oplinnovate
HQ: Ahmedabad, Gujarat & India
Founded: March 2015
Product Demoed: Cash flow of lending
Metrics: Total Capital(In INR Lacs): Share capital: 395.76 & Reserves & surplus: 13 686.62 | Last Year’s Revenue (In lacs): 6,914.34
Presenters: Jinand Shah – Managing Director, OPL | Ronak Shah – CEO, OPL
- Key Executives
Jinand Shah (MD), Ronak Shah (CEO)
Key Stats
- Key Board Members
Vivek Malhotra (Chairman of the Board), Anindya S. Paul (Nominee Director), Dhrubashish Bhattacharya (Nominee Director), Y. Venugopal Rao (Nominee Director), Manikumar S. (Nominee Director), Jinand Shah (MD & CIO), Suresh N Patel (Independent Director), HSU Kamath (Non-Executive Director), Suresh S Menon (Independent Director), Sandeep Diddi (Non-Executive Director)
- Key Investors
Total Private and Global Players: HDFC Bank, HSBC, Transunion, Crisil (S&P). Top Development Institutions: SIDBI, NABARD, Mudra. Top Public Sector Players: State bank of India, Punjab national bank, Indian bank, Bank of Baroda.
- Key Advisory Board Members
Antony Prakash, Kalpesh Krishnakant Avasia, Mohan Tanksale, Antony MVLS, Amish Khandhar
- Key Partners
SIDBI, State bank of India, Bank of Baroda, Punjab national bank, Indian bank, Bank of India, HDFC Bank, HSBC, and many more.
- Key Customers
SIDBI, State bank of India, Bank of Baroda, Punjab national bank, Indian bank, Bank of India, HDFC Bank, HSBC, etc.