Creating a bridge between banks and the poor.

Vaya lends at 22.75% for its own book. This rate allows Vaya to cover the cost of debt capital from banks (average rate of 12%) and the high cost of delivering and servicing small loans (average cost of 10%). Even at interest rates of 22.75%, our customers earn significant profits because there are high returns on micro-enterprises.

Impact assessments have demonstrated that micro-loans for income-generating activities improve people's lives by increasing their incomes.

5,78,263
Customers as of December 31, 2018
1031 crore
($148 million USD) Loan Portfolio as of December 31, 2018

Poverty

India has experienced tremendous growth in the past two decades, but poverty remains, especially in rural areas. An estimated 30% of Indians live below the poverty line of less than $2 per day.

Self-Employment

The majority of Indian workers are self-employed, mostly in rural areas because there are not enough salaried jobs. They subsist as small farmers, raise livestock, work as petty traders or engage in a variety of village crafts such as pottery, weaving, or carpentry.

Discover Vaya’s impact by rolling over a region on the map.

India-States

Andaman and Nicobar Islands

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Andhra Pradesh

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Arunachal Pradesh

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Assam

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Bihar

  • Customers

    153,736

  • Villages

    5,865

  • Loan Portfolio

    ₹ 309 crore $ 44.3 million

Chandigarh

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Chhattisgarh

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Dadra and Nagar Haveli

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Daman and Diu

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Goa

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Gujarat

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Haryana

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Himachal Pradesh

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Jammu and Kashmir

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Jharkhand

  • Customers

    104,909

  • Villages

    4,055

  • Loan Portfolio

    ₹ 182 crore $ 26.2 million

Karnataka

  • Customers

    63,503

  • Villages

    2,368

  • Loan Portfolio

    ₹ 114 crore $ 16.3 million

Kerala

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Lakshadweep

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

National Capital Territory of Delhi

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Madhya Pradesh

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Maharashtra

  • Customers

    61,701

  • Villages

    2,436

  • Loan Portfolio

    ₹ 114 crore $ 16.3 million

Manipur

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Meghalaya

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Mizoram

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Nagaland

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Odisha

  • Customers

    188,503

  • Villages

    8,331

  • Loan Portfolio

    ₹ 297 crore $ 42.6 million

Punjab

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Rajasthan

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Sikkim

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Tamil Nadu

  • Customers

    4,572

  • Villages

    296

  • Loan Portfolio

    ₹ 12.3 crore $ 1.7 million

Telangana

  • Customers

    1,339

  • Villages

    59

  • Loan Portfolio

    ₹ 2.6 crore $ 0.4 million

Tripura

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Uttar Pradesh

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Uttarakhand

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

West Bengal

  • Customers

    0

  • Villages

    0

  • Loan Portfolio

Vaya is now a Certified B Corporation

Vaya is now part of Certified B Corporation community, a global movement of people using business as a force for good. We are certified for meeting the highest standards of overall social and environment performance, transparency and accountability.