Crores Disbursement




MSMEs supported

Loans for Micro, Small, and Medium Enterprises

Velicham works to empower businesses by prioritizing the loan for MSMEs. Velicham caters to MSMEs enterprises with a goal to support their working capital and upgrade their current scenario to achieve growth. Our Fintech brings a paradigm shift in the business prospects by taking things digital.

  • Unveiling growth opportunities for MSMEs
  • Unlocks the pathway to the socio-economic development of the family

Loan Features

Loan Size: 0.75 lakhs to 5 lakhs

Tenure: 1 to 3 Years

Business Vintage: More than one year

Cash Flow based assessment

Diminishing Balance Interest Rate


Opting for an MSME loan under Velicham offers higher integration and value to the customers. Superior consultation that helps to address different challenges in the business assessment for underwriting and channels the funds in the right direction. The technology architecture helps the customer receive the loan at a faster pace.

  • Ease out the loan approval process using advanced technology
  • Special in-house consultation to broaden the business spectrum
  • Meet working capital requirements.
  • Timely access to credit.

How it works

Home-Visit Consultation

This step involves CRO meeting the client and initiating the application.

Multipoint Verification and Field-Inspection

Using integrated APIs and a field credit team, the team verifies customer information as the approval procedure moves forward.

On-spot Loan Approval

As the customer meets the requirement, the loan is approved on-spot.

Loan Disbursement and Usage Verification

The loan is disbursed to the customer’s bank account. On the other hand, Velicham team members keep a check on loan usage.

Digital and Field Collection

With field collection as an option, Velicham promotes digital payments for a seamless transaction.


Case Studies


Sudar Sakthi, Arivizhimangalam ( Nannilam) Petty Shop Muthulakshmi is a 42-year-old widowed woman from Arivizhimangalam village of Thiruvarur district. She runs a petty shop attached to her residence. She sells...

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Andal Sakthi, Thirukannapuram (Nannilam) Purpose of loan: Dairy Sundharavalli works as an Anganwadi employee in a nearby school and seemed happy to meet me with the field officer. After the...

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Sri Mahakaliyamman Sakthi, Aprakudi (Thiruthuraipoondi) Purpose of loan: Plastic business Amutha is a young woman from Aprakkudi, a small village in Thiruvarur district of Tamil Nadu. She is a mother...

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