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Download & verify
Quick signup with mobile OTP and basic income verification.
Workforce finance & NBFC operations
Financial support built for blue-collar workers
PTPFin connects gig and blue-collar workers to fair, income-aligned credit — and equips NBFCs with AI solutions that make teams more productive, operations more efficient, and everyday execution easier to manage.
Lending solutions for workers
Blue-collar lending that meets people where they work
Millions of drivers, factory workers, delivery partners, and gig earners need credit that understands irregular income — not legacy paperwork. PTPFin's lending marketplace brings simple, dignified access to credit designed for how blue-collar India actually earns and spends.
Earn with dignity
Credit linked to real work and verified income — not just a bureau score.
Access without friction
Apply from your phone in minutes. No branch visits, minimal documents.
Support when it matters
Emergency advances, salary bridges, and short-term loans in one place.
The PTPFin worker app
How we help blue-collar workers every day
The PTPFin app puts lending in workers' hands — from checking eligibility to tracking repayments. Built for people who work on the move, in regional languages, with clear steps and no hidden complexity.
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See your offers
Matched loan products based on earnings and employment type.
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Apply in minutes
Simple forms, photo KYC, and instant eligibility checks.
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Get funds & track
Fast disbursement with repayment reminders you can understand.
PTPFin
Worker App
Hi, Ravi 👋
Cab driver · Bengaluru
Pre-approved credit limit
₹35,000
Apply for loan
Your application progress
Profile verified
Income linked
Choose loan product
Confirm & receive funds
Quick digital onboarding
Workers start in minutes — built for first-time borrowers with no bank branch visit.
Mobile-first experience
Every screen designed for smartphones — the only device many workers rely on.
Income-linked lending
Offers aligned to verified earnings from gig platforms, employers, or bank inflows.
Low documentation
Minimal paperwork so workers aren't blocked by forms they can't complete.
Lending marketplace
Multiple products — emergency cash, salary bridge, short-term credit — in one app.
Fast approvals
Streamlined decisioning when workers need money for rent, medical, or family needs.
Enterprise operations
NBFC Solutions
A modular product line for NBFC operations — built to grow over time. Today, PTPOne powers AI-assisted collections and field workflows. Additional modules for allocation, reporting, and portfolio control are coming next.
Case allocation
Distribute portfolios intelligently across teams and territories.
Collection workflows
Standardize every visit with configurable steps and compliance guardrails.
Field agent monitoring
Track visits, locations, and outcomes as they happen on the ground.
Supervisor visibility
Dashboards that surface progress, risk, and team performance at a glance.
Promise-to-pay capture
Record commitments with context so follow-ups are informed, not generic.
Operational transparency
Payment updates, dispute notes, and audit-ready activity in one place.
Featured NBFC module
PTPOne — AI-assisted field collections
PTPOne is the first product in PTPFin's NBFC Solutions line — an agent app that puts AI suggestions, guided questions, and supervisor visibility into every field visit. More NBFC tools will join the platform over time.
AI suggestions
Context-aware tips before and during visits based on case history and outcomes.
Question guidance
Step-by-step visit scripts that adapt when a borrower is met or not met.
Pre-visit intelligence
Last PTP, payment gaps, and borrower notes surfaced before the agent arrives.
Promise-to-pay capture
Structured PTP recording with amount, date, and visit context attached.
Field agent tracking
Geofence-aware visit start, route view, and live case status updates.
Supervisor dashboards
Team progress, collections split, and visit completion at a glance.
Daily summary & AI tips
Morning briefings with cases assigned, targets, and performance insights.
Compliance guardrails
Visit time windows, frequency limits, and audit-ready activity logs.
Dispute & payment notes
Capture disputes, partial payments, and evidence during the visit itself.
Agent home — daily summary, AI tips & visit queue
How PTPOne works in the field
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Plan the day
Agents see assigned cases, routes, and AI tips before heading out.
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Start the visit
Location-aware visit start with compliance checks and case context.
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Follow guided questions
AI-assisted scripts suggest the right next question at every step.
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Capture & sync
PTP, payments, and dispute notes flow back to supervisors instantly.
Visit start — AI pre-visit tip & location compliance
Visit script — guided questions & next-step flow
Why PTPFin
One platform. Two powerful tracks.
PTPFin brings workforce lending and NBFC operations together under one modern fintech brand — with PTPOne live today and more NBFC modules on the roadmap.
One platform
Unified brand for lending and collections
Multiple workflows
NBFC suite starting with PTPOne, expanding soon
Full visibility
Lending + collections in one operational view
Efficient ops
Less manual coordination, more field output
Scalable structure
Product-first architecture for growth
Capabilities
Everything your teams need
Blue-Collar Lending
Income-linked lending
Credit designed around how workers actually earn.
Fast onboarding
Digital KYC and verification without the paperwork pile.
Mobile-first flow
Apply, track, and manage loans from any smartphone.
Low paperwork
Minimal documentation for maximum accessibility.
Worker-friendly design
Clear language, simple choices, no jargon walls.
Marketplace experience
Discover multiple lending products in one place.
Better access to credit
Practical financial support when workers need it most.
NBFC Solutions
Case allocation
Smart distribution across agents and regions.
AI-assisted workflow
Context-aware guidance at every collection touchpoint.
Field monitoring
Real-time visibility into agent activity and visits.
Promise-to-pay capture
Structured PTP recording with full visit history.
Payment tracking
Digital and cash collections logged in one system.
Supervisor visibility
Team dashboards for performance and exceptions.
Collections reporting
Portfolio-level insights for leadership reviews.
Dispute handling
Capture and resolve borrower disputes with evidence.
Operational control
Compliance rules, visit limits, and audit trails built in.
Trust & scale
Built for regulated, real-world finance
Regulated workflows
Designed with compliance guardrails for financial operations teams.
Practical execution
Tools shaped by how agents and supervisors actually work in the field.
AI-assisted, not AI-complicated
Smart suggestions that support decisions — never replace accountability.
Modular & scalable
Start with PTPOne, expand into more NBFC modules as you grow.
Ready to modernize lending and collections?
Talk to the PTPFin team about blue-collar lending, PTPOne for field collections, or what's next in our NBFC product roadmap.
Contact
Let's talk
Tell us about your lending marketplace or NBFC operations goals. We'll follow up with a tailored demo.
Email: hello@ptpfin.com