HAPPY is a world of dreamers, believers and go-getters. A world built with just one purpose in mind; to turn everyday moments into memorable ones. We are here to help you grow your business. And while we are at it, we want to make the journey happy for you. But don’t take our word for it, experience it yourself.


We help people pursue their dreams by making it easy and affordable to manage money. We offer small monthly loans starting INR 2,000 upto INR 2,00,000 to small and medium-sized enterprises. These working capital loans are best used for an eventful sale or store renewal or a simple cashflow mismatch. We partner with merchant aggregators to identify and assess borrowers. The business is driven by the objective of not only empowering 600 million Indians who do not have access to mainstream credit facility but also making the services available at the tip of their fingers.

we offer micro-loans to help meet your everyday business needs. And while we are at it, we want to set you free from traditional branch visits, paperwork, and long queues. We have partnered with MSwipe, Ongo, Paytm and other networks to solve your short-term requirements right from your mobile phone.

Because money should never come between you and your aspirations. Being happy is easy. See it in the mirror, hum the Happy song like Pharrell Williams or just grab it on the go. 



Bursting bubble wraps. Watching a baby giggle. Finding a 100 rupee note in your old jacket. It’s the little things that turn day to day situations into happy moments. Inspired by moments like these, we found Happy.

And we believe, happyness multiples when you spread it. That’s why, we offer micro loans to help meet your everyday business needs. And while we are at it, we want to set you free from traditional branch visits, paperwork and long queues. We have partnered with MSwipe, Ongo; Paytm and other networks to solve your short-term requirements right from your mobile phone.


HAPPY is a world of dreamers, believers and go-getters. A world built with just one purpose in mind; to turn everyday moments into memorable ones. We are here to help you grow your business. And while we are at it, we want to make the journey happy for you. But don’t take our word for it, experience it yourself.

I want to thank HAPPY Loan and Mswipe; it is because of them my business is flourishing. I got my first HAPPY Loan with just one call. Usually, you have to pay multiple visits and wait for days to get a loan from the bank. HAPPY Loans is excellent to keep my cash flow intact.

– Mukesh Sharma, Chemist

During Diwali season, I wanted to stock up my inventory, and I needed funds for that. The bank fails to give me a loan in a short time; it was HAPPY Loan which offered me credit with minimum documents in such a short time. The business was booming during the peak festival, and I was able to meet the customer demands because of the available stock. I am going to expand my business with HAPPY Loan.

– Ashutosh, Garment Shop

Taking a loan from your friends or business associates means getting calls now and then for repayment and that too a lump sum amount; with HAPPY Loans I get easy repayment option in EMI which gets deducted from my Mswipe machine. HAPPY Loans is the remedy for all my business needs.

– Vijay Bhanushali, Medical Store

I was introduced to HAPPY Loans while using the Mswipe machine. I was very pleasantly surprised to know that I will get a loan within a day and can manage daily cash requirements. I took four loans, and I am able to provide my customers with some credit period. My happy customers make me happy.

– Vijay Kal, Tours and Travels

My husband has a travel agency, and I wanted to start something on my own. No banks would give me small loans to invest in my business. When I was introduced to HAPPY Loans, it seemed like a ray of hope. I started my entrepreneurial journey with HAPPY Loans

-Priya Jadhav, Aquarium shop

When my business was down, HAPPY Loans gave me the loan within two days. I was thrilled to get a loan so quickly, so I took it four times. This helped me sustain my business in bad times.

-Binod Chatterjee, Saree shop owner

Time is the key to any business, and if you don’t get financial support on time, then it is a wasted opportunity. With the help and support of HAPPY Loans, I am getting financial assistance whenever I need with just one click. Thank you HAPPY Loans.

– Sanjay Gulati, Apparel store


Everyone is in pursuit of happyness. But if you look closely, it doesn’t take much to be happy. We disburse loans within 5 minutes. Loans that require minimal documents. And are 100% paperless. The system makes this possible through its unmatched live data exchange & real-time machine learning about the merchants. We have partnered with more than 17 partners in India giving us access to more than 5 million retail entrepreneurs.

Our Artificial intelligence processes hundreds of variables to assess the creditworthiness of a customer and our end-to-end digital experience allows live loan offers. The repayment behaviour is a highly weighted variable fed in the system on a real time.

Because, happyness starts with you. When you want to stock up supplies, HAPPY is the season. And when you want to invest, HAPPY is the opportunity.


When it comes to untouched market segments, Payworld has built a formidable reputation. With over 1 lakh active retail touch-points across 630 cities and 23 states, our partnership with Payworld is bound to go distance. For it empowers us to provide digital payments for millions of unbanked villagers across India.

A leader driven by technology and innovation. Today, MSwipe has over 2.6 lakh merchants which makes it one of India’s largest merchant acquirer to enable digital payments through POS devices. With this partnership, our focus is to help retail businesses deal with their ever-changing fund requirements more easily.

A pioneer in the remittance space, EKO has thousands of distributors and retailers to enable DMT across India. Since the stock in this business is money itself, our association with EKO will directly enable more sales for the merchants.

One of the few service providers in India who has enabled mobile payments for the last leg i.e. auto rides. With Ongo, we plan to support cash needs of these merchants at every point in their life.

Storeking has played an instrumental role to bridge the gap between big ecommerce & payment companies and the people of rural India. And they have done it by solving last mile for 850 million Indians with an aim to digitalise rural India. This association will help us empower rural Indians to be independent and self-reliant.

Passionate about technology & innovation? Passionate about bringing a change in small & medium enterprises? Passionate about spreading happyness in people’s lives?
Get in touch with [email protected]

  • Founders
  • Advisors
  • Team
  • Manish Khera

    Founder & CEO

    An entrepreneur, an investor, a banker, an advisor, a movie buff and a heavyweight in the world of banking & finance; Manish is relentless when it comes to bridging the gap between big banks and the financial needs of the masses. Multiple innovation award winner, also Young Global Leader by the World Economic Forum, he is known for his entrepreneurship zeal & innovation at scale –Manish’s impact work has reached millions of Indian customers including at ICICI Bank, Fino Paytech Bank, Airtel Payments Bank and now ‘HAPPY’. HAPPY is a new age digital Fintech serving the requirements of micro-entrepreneurs and customers. India’s fastest growing Fintech and market leader in the segment


    Founder & Head - Product

    A serial entrepreneur, an aspiring pianist and a cryptocurrency dabbler; Gautam Ivatury is a recognised pioneer with decades of experience in digital finance. He has headed the World Bank’s digital finance program which is backed by Gates Foundation. Gautam has played an instrumental role in the world of mobile banking and has started, advised and funded mobile ventures and Fortune 500 players globally with an aim to create a new-age, fairer way of banking that will make people’s lives simpler and happyer.

  • Anil Sinha


    A regional head of International Finance Corporation, Anil Sinha has over 25 years of experience in banking and finance. He was not only the chairman, Strategic Advisory Board of Millennium Alliance, but also an Advisor for the Global Impact Investors Network.

    M V Nair


    M.V.Nair is a Chairman of India’s largest credit bureau - CIBIL, Chairman of SWIFT India, Chairman of top 3 training solutions provider for banks and financial services organizations in India. Previously a banker, Nair was one of the longest serving chairman in the history of Indian banking, having served as chairman and managing director of Union Bank of India for six years and Dena Bank for one year.

August 27, 2018

Credit Bureau and it’s importance in our lives

TransUnion CIBIL Limited, formerly known as Credit Information Bureau (India) Limited is India's first Credit Information Company (CIC) which was founded in August 2000. 

August 31, 2018

Competition is Healthy for Innovation

Competition drives innovation and is also one of the primary ingredients for success in any domain. Disrupting technologies, innovation and out of the box thinking are drivers of growth for the modern businesses and more so, for the FinTech sector. Currently, the FinTech industry is at crossroads in India. While it is no surprise that the government is cautiously watching the FinTech segment, it must look at the innovation & potential for change that the FinTech businesses can bring into the finance industry.

September 01, 2018

Technologies to help uplift MSME lending sector this year

The Micro, Small and Medium Enterprises (MSME) sector is one of the most prolific parts of the Indian economy. Clocking in a growth of 10 % per year, this enterprising segment employs over 100 million people and contributes almost 45% to the country’s GDP. However, the credit inflow into what is called the ‘engine of growth’ of the Indian economy, is surprisingly low. In fact, in 2017, the credit gap in the MSME sector was estimated at an unsettling US$230 billion.

All you need
to know
to be happy

What is the rate of interest?

We only levy 2% interest for every 30 days. Because we truly believe, there’s nothing more expensive than a missed opportunity.

How do i check my loan eligibility?

Happyness can’t be measured. But to know your eligibility, just apply for a HAPPY loan and we will inform you about the amount you are eligible for.

How will I know that my loan account is closed?

You can login into your account on the HAPPY Loans app. We will also send you a SMS/Email on your mobile number/registered email id.

Can i get a higher loan amount?

Yes, of course. The eligibility of your loan depends on your repayment pattern. The better record you have, the higher amount of loan you are eligible for. Happyness does come back.

I paid more than the what is showing here, why?

Please login to HAPPY Loans app to view details of every transaction under the ‘history’ tab. Incase of any discrepency, please write to us at [email protected]

Can I pay sooner than my loan tenure?

Yes, you can repay your loan. Our bank details for the same are:

A/c Number:502 000 2 342 1536
IFSC Code:HDFC0000542.
Bank- HDFC, Branch-Lower Parel.

How do I track my loan?

It’s easy to track happyness. Just login into HAPPY Loans App and you can check the status of all your transactions, due date and balance amount.

If I repay early or in-time, will I get any additional incentive?

Yes, we not only update your repayment pattern in our records but also notify the credit bureau. This not only helps you build your credit score but also keeps you ready for a bigger opportunity.
For any further queries, write to us at [email protected]

What if I need the loan for longer than 90 days? Can you extend the duration?

Everyone wants to stay happy longer. You can extend the loan tenure for another 90 days at an interest rate of 2% per month. The interest rate need to be paid every 30 days.

Can I take more than one loan at a time?

You can take just one loan at a time from Happy.

What if I am not able to repay the loan?

If you cannot repay the loan within 90 days, start with slow repayment and extend your tenure for another 30 days at 2% per month. We believe our customers are responsible borrowers and so we have flexible loan tenure. 

Do I have to pay extra charges for early repayment?

Every business has its ups and downs. And we understand that. There are no extra charges for early repayments.