Widening access to fair financial services for millions.

At Mera Kal, we exist to empower India’s new middle class to achieve their life goals through simple, affordable financial services. Our mission is to continually design, test, and scale breakthrough solutions that widen access to fair credit and improve financial capacity for millions of families. We are a product foundry: a place where ideas become infrastructure, products and sometimes policy. Drawing on our deep experience in digital financial services innovation, we build solutions that harness alternative data, non-traditional collateral, behavioural insights, and intentional design.

Our portfolio spans pioneering work on digital loans against life insurance savings, a credit builder product linked to utility payments, and other platforms that re-imagine how underserved households can access affordable formal credit. Each initiative reflects our commitment to building a fairer financial landscape in India.

With the tailwinds of digital public infrastructure, evolving regulatory frameworks for financial and physical assets, and rapid digitisation of everyday transactions, we believe this is a once-in-a-generation opportunity to reshape access to finance.