数字借贷创企业务已从主要关注个人借贷与消费借贷拓展至提供教育及专业培训贷款。班加罗尔创企Zest Money正大举押注职业教育贷款，且已与Upgrad、NMIMS、Great Learning、Acadgild 及Edureka等企业达成合作，为想要获得新技能的初级与中级行政人员提供资金。
Zest Money联合创始人Lizzie Chapman表示：“据行业报告显示，印度在线教育市场2021年将增长至20亿美元。更优质的课程内容、教育科技的迅速普及将极大地帮助人们提升自我，从而促进经济发展。”
获PayU支持的创企Zest Money称，截止本月末该平台将发放约1000笔教育贷款，且将以每月30%的速率增长。此前Zest Money主要聚焦电商融资领域，该企业认为人们通过教育门户网站学习技能，其消费也会有所增长，从而可反哺其消费贷款业务。
另一家创企FinMomenta则主要提供儿童教育贷款，同样也试图进军职业教育。FinMomenta创始人Brahma Mahesh表示：“我们已与Pathfriend、Manipal、Mediversity、Simplilearn、ICICI Securities School for Financial Learning等企业合作，为其职业课程提供资金。” FinMomenta计划每月提供50笔IT课程贷款、300笔农业技术专门课程贷款。农业技术课程需求量同样十分庞大。该创企目前已与三家非银行金融企业及RBL Bank达成借贷伙伴关系。
Neev Finance创始人Rishi kedia表示：“在大多数情况下，利率由学校承担，因此贷款对学生来说是无息的，对其来说更易负担。同时，因为Neev直接与学校合作，贷款拒绝率低，且自动拨款，十分迅速。”
Digital lending startups have started giving out loans for education and professional courses, expanding from focusing mostly on the personal loans and consumer lending space. Bengaluru-based Zest Money is betting big on lending for professional education purposes and has already partnered with players like Upgrad, NMIMS, Great Learning, Acadgild and Edureka, among others, to provide funds to entry- or mid-level executives wanting to acquire new skill sets.
“India’s online education market is set to grow to $2 billion by 2021, as per industry reports. Better quality course content and faster adoption of edtech will significantly help people upskill themselves which will boost economic growth,” said Lizzie Chapman, cofounder of Zest Money.
The PayU-backed startup claims that it will disburse around1,000 loans in this space by the end of this month and should grow at a rate of 30% per quarter. Zest Money, which was primarily working in the online ecommerce check out financing space, believes that with people getting skilled through these educational portals, their consumption would go up, thereby also helping their original business of consumer loans.
FinMomenta, an early-stage startup, which primarily lends for children’s education, is trying to expand to professional courses as well. “We have partnered with players like Pathfriend, Manipal, Mediversity, Simplilearn, ICICI Securities School for Financial Learning for funding professional courses they offer,” said Brahma Mahesh, founder of FinMomenta. The company is targeting about 50 loans per month for IT courses and 300 loans per month for specialised courses in agriculture technology, which also has huge demand. The startup has three non-banking finance companies and RBL Bank as its lender partnekrs.
Mahesh said several students are from rural backgrounds and do not have a credit history for themselves or for their parents, hence to get a personal loan from a bank is very difficult. While it might push up interest rates, in many cases institutes are open to bearing the interest rates, since quick financing options give them more applicants.
“In many cases, interest is borne by the institution, hence, the loans become interest-free for the student, thereby making it easier for them,” aid Rishi kedia, founder, Neev Finance.
“Also, since Neev is directly partnered with the institutions, rejections are very low and disbursals are also automated and quick.”