Reimagine Asset Utilisation for Middle India

At Mera Kal, our mission is to empower the new middle class to achieve their life goals using simple, affordable financial services. We’re passionate about widening affordable credit access to millions of families, and driven by this purpose to build category-defining products and services.

With the growing financialisation of household savings, assets under management across life insurance, post office savings, provident and pension funds, equities and FDs is over INR 200 Lakh Crore! Yet, many who hold these assets struggle to access formal, affordable credit. Unlike physical assets like property and gold, financial assets are highly under-leveraged.

Given tailwinds from new digital public infrastructure, regulatory changes with respect to some of these assets, and shifting market dynamics, we believe this is a tremendous opportunity ripe for change now!