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Brand Mantra

Brand Mantra

Empowering India. One Indian at a time.


Please tell us a bit about your brand and its success stories

As part of the $8.5 billion TVS Group, TVS Credit empowers Indians from various socio-economic backgrounds with financial products that serve their needs. In doing so, we further the cause of financial inclusion.
Our Two Wheeler, Used Car, Three Wheeler, and Tractor Loans are designed for Indians in small towns and the rural heartland, for our nation’s growth is powered by their prosperity. Our foray into the used Commercial Vehicle, Business Loans and Consumer Durable Finance is yet another step in this direction. Through every loan we sell, every initiative we take, we remain true to our brand promise – Empowering India. One Indian at a Time.

How does your brand put the customer first? Please tell us a bit about this We understand that no two customers are the same. Therefore, our processes and products ensure that every customer’s unique needs and challenges are taken into account. Our success in the rural heartland of India is testimony to this. We have served more than 5.4 million customers so far and helped them fulfill their aspirations. This shows the trust our customers have reposed in us.

We are trying to build an ecosystem where the customers can be empowered while giving us opportunities to cross-sell multiple products. We have already initiated measures that drive financial inclusion and last mile delivery to support the unbanked population of the country.

Our innovative approach towards business, aided by analytics and technology has helped us reach out to those Indians, who otherwise didn’t have access to easy credit. We, at TVS Credit Services see ourselves as a partner to every Indian who dreams big and aspires to a better life.

Innovative thinking
Please tell us a bit about the innovations your brand has rolled out

Undeterred by the challenges –
Most of the time, banks and NBFCs become reluctant to lend money to the rural consumers in view of irregular incomes, lack of documentation, absence of bank accounts, and valuation challenges. When we started the consumer lending, the whole approach was to go paperless by enabling customers to come on board directly via our app. This allowed us to reach out to the shops where otherwise finance penetration is low making it a win-win situation for everyone.

We have developed alternative analytics models and innovative credit policies to ascertain credit worthiness of our customers. We have innovated such mechanisms as spot assessments, geospatial analysis, and an industry-first Used Tractor Blue book that lets executives accurately assess the value of used tractors. Our products have been designed exclusively, keeping pace with consumer requirements. To ensure customer contentment, we offer Half yearly installments to the rural consumers, an EMI tenure based on crop-cycle for tractor loans and EMI holiday for UCV customers.

From the MD/CEO’s Desk
Please give us a short message from the MD/CEO or any senior company representative for our readers.

When TVS Credit ventured into the NBFC space, there was a large section of the market in Tier 1 and Tier 2 cities that was still left for penetration. Customers in these areas did not have access to organised credit and even if they had access to organised credit, they could not avail it due to the lack of regular income proof and prior credit history. The customers who fell in this space had the aspiration for a better lifestyle and had the means to pay for it, however, due to the lack of awareness and documentation they were not getting the financial assistance they required to fulfill their aspirations.

In order to cater to these customers, TVS Credit came up with a unique set of features that made the financial product more accessible for these customers. We are proud to say that TVS Credit has been a pioneer in ensuring that people have access to credit in order to fulfill their aspirations and not let money be a deterrent to their dreams.


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