is a social impact venture that delivers credit for small and
micro-entrepreneurs and provides livelihood welfare services.

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ABOUT US

ARTH aims to redefine the way micro-customers discover financial services in India by creating an enabling ecosystem for them to access digital credit and saving products in an easy and flexible way.

 

The vision is to be a partner in building and supporting the livelihood goals of micro-entrepreneurs and helping them achieve social and economic independence.

OUR WORK

Rural Micro Entrepreneurs

We focus on nurturing and supporting rural micro-entrepreneurs, especially women. We focus on providing group-based livelihood loans as well as individual micro-enterprise loans.

Urban Micro Entrepreneurs

We help digitally savvy micro-entrepreneurs pursue their dreams by making it easy and affordable to manage money. We offer small monthly loans to small & medium sized entrepreneurs to support business needs.

OUR FOUNDER

Shweta Aprameya

Founder & CEO, Board Member

Shweta is a modern young woman corporate professional turned entrepreneur who believes in giving back to society and contributing to ideas that directly contribute to the growth of impact & emerging sectors.

Shweta has set-up Fintech ventures for expanding & delivering of financial access, choice & control to millions in India – YTS Payments, ARTH, HAPPY. She has also served as the COO & SVP of Airtel Payments Bank.

Besides being an entrepreneur, Shweta is also an advisor and seed funder to early-stage social impact ventures.

Entrepreneurship has the power and exhilaration to bring change in the world. We need Social Champions in various forms with natural empathy and orientation to make large scale impact.

She Holds MIT Sloan MBA, MSc Economics Management & Policy, BA (Economics).

PEOPLE

OUR IMPACT

500+ Locations served

623+ Villages covered

10 Branches

24,000+ Customers

More than 50% Repeat customers

Access to 3.5 million micro entrepreneur

TECHNOLOGY

Integrated Technology

ARTH has invested in robust integrated technological tools and systems that ensure precision in planning, data collection, analysis and reporting.

Innovative Micro-Credit Underwriting Approach

ARTH has developed first of its kind credit underwriting tool which is built on large existing micro-enterprises’ data, including socio economic, geographical, demographics parameters. This when combined with certain physically verifiable parameters helps assess the repayment capability, and the intent, of the micro-entrepreneurs and ascertain the optimal loan limit.

OUR RESOURCES

OUR HEROES

CUSTOMER WELFARE

Blog

Arth is bringing positive change in rural lives through Kalpataru

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Blog

Skill & Enterprise Development Programme

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CONTACT US

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Office Locations

Lucknow | Gurgoan | Mumbai

Announcements

THE STORY OF MANJU

Today, Manju is proud of her business and financially more stable and secure. She has transformed into a true digital customer who is repaying digitally. She feels digitization has made her life easier and has helped her build the foundation for new and better life.

THE STORY OF SHASHI

Our customer from Bachharawan, Rai barely, has a family of 5 members where the only source of income was her husband’s salary as a shop sales man. The family’s financial needs were being nearly met, but she was determined to ensure good quality education for her two sons and daughters.

THE STORY OF MUNIYA

A small trader of puja items, her husband and son earning a living as street vendors, our customer had initially approached commercial banks for loans but soon left hope. When she got to know of AUW, she applied and got a loan of Rs.15,000.

THE STORY OF SANTOSH

"When I initially started my family business, I faced lot of difficulties in getting finance at an affordable rate of interest. Santosh said that “AUW has helped a lot in improving my financial situation, and now I can afford workers to my shop and expand my family business."

THE STORY OF SEEMA

"The journey has been miraculous. The support provided by AU welfare foundation in becoming an entrepreneur is like dream coming true. I have started my business in a very small scale and now I am earnig enough to support my family. I feel motivated and further motivate other women to associate with AU and become it’s members."

THE STORY OF BHAGWANTI

"Widows are victims of double discrimination, firstly as a woman and secondly as a widow. Loss of husband means loss of income, loss of home, loss of social status. But AU welfare foundation not only made me financially competent but also connected me with government schemes. Now I got the benefit of PM Widow Pension and as well as support from Kalptaru program. My daughter is also enrolled in Pradhanmantri Kaushal Vikas Yojna and getting stitching training."

THE STORY OF VIDHYA

"We are so thankful for AU welfare foundation’s Kalptaru program, where I got the information about Ayushman Bharat Scheme. I filled the application form and got the benefit of the same. Now I have told all our neighbors about it and how they too can get benefit from it."

THE STORY OF SAGUN

"Sagun and his husband have a electronic shop and general store. She wanted to save her money but she had no idea where an how. One day she came to Sakhee Sabha and got the information about various schemes and applied for Atal Pension Scheme where she will be entitled for a pension, financial assistance, etc."

THE STORY OF SHABANA

Roti, kapda aur makaan are the basic necessities of life, which are compromised in extreme financial hardship. Shabana’s dream comes true when she know about Pradhanmantri Ujjwala Yojna in Sakhee Sabha. She applied for this scheme and got the gas cylinder. Shabana said that I am so grateful to AU foundation. It has been 32 years since I have been cooking, never did I think that I will cook on a LPG stove.