Track Record

Proven
Performance

Built for scale. Backed by discipline.

70,898+

Loans Disbursed

Deploying ₹106.65+ Crores in capital across India as of March 31, 2026.

73%

Y-o-Y Growth

Digital lending disbursements scaled rapidly from ₹25.12 Cr (FY25) to ₹36.51 Cr (FY26).

<1%

Default Rate

A highly efficient, data-driven credit bureau and automated risk engine.

Projected Growth

On track for exponential credit expansion for the upcoming financial year.

Borrowers and businesses supported by Transwarranty loans

Partner With Us

Turn your customer base into a new revenue stream

Oroboro lets you embed consumer and merchant loans directly into your platform or distribution network, without building a lending business of your own.

We handle credit, compliance, underwriting and collections. You earn from every loan.

Become a Partner See how it works

Automatic
Collections

Collections happen directly from the borrower via bank mandates. You never chase payments.

Ready-to-use
technology

Use Oroboro Setu for your stores or integrate via APIs into your existing software. Full visibility through Oroboro CrediTrack.

Two Powerful
Products

Consumer loans (up to ₹25,000) and Merchant loans (up to ₹1 lakh) with flexible daily and monthly repayment options.

Fully
regulated

Every loan is originated by Transwarranty Finance Limited, an RBI-registered NBFC. Complete compliance, zero regulatory burden on you.

Who we work with:

OEMs
Software Platforms
POS Providers
CRM & ERP companies

Banks & NBFCs

Scale your lending book.
Strengthen your credit operations

Lending & Tech Partner.

Co-Lending

Access a steady flow of consumer and merchant loans sourced through our partner network.

We manage sourcing, underwriting and collections. You participate with full visibility and control.

Discuss Co-lending

Technology Solutions

Real-time loan monitoring across disbursements, repayments, delinquency and defaults.

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End-to-end CRM for the complete customer lifecycle.

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RBI-registered NBFC

Digital First

< 1% Default Rate

Tech / Oroboro Ecosystem

Our Ecosystem

Oroboro gives partners and financial institutions everything needed to originate, monitor and manage digital loans. Fully integrated and ready to scale.

Technology Rails

Know More

APIs

Customer self-
service App

Automated Loan
Management System

Regulatory Rails

RBI regulated NBFC Transwarranty Finance Limited

Corporate Partners

Payment Providers

POS Providers

Billing / Invoicing
solution

Mobile Distribution
Channel

Products we offer

Consumer Loans

Ticket Size

Up to ₹45,000

Tenure

6 – 8 Months

Ideal For

Smartphones
Electronics
Consumer Durables

Special Feature

Device-level control for improved recoveries.

Customer financing a smartphone in store

Merchant Loans

Ticket Size

Up to ₹1 Lakh

Tenure

6 – 8 Months

Repayment

EDI (Daily)

Ideal For

Working Capital
Inventory
Business Expansion

Feature	Consumer Loans	Merchant Loans
Ticket Size	Up to ₹45,000	Up to ₹1 Lakh
Tenure	6 – 8 Months	6 – 8 Months
Repayment Options	EMI (Monthly)	EDI - Easy Daily installments
Ideal For	Smartphones, Electronics, Consumer Durables	Working Capital, Inventory, Business Expansion
Special Feature	Device-level control for improved recoveries	–

Transwarranty Finance Limited

Access financial statements, results, and other key financial information of Transwarranty Finance Limited.

Disclosures Under Regulation
46 & 62 Of SEBI (LODR)

Choose Financial Year

Latest Update: FY 202630 June 2026
Regulatory Status: RBI Compliant100% Compliant

How to access the document

Select a Financial Year and click on ‘Search’.

The documents will appear below.
You can download or view it.

Need Assistance?

Need help locating a report or have a specific query?

Contact Investor Relations

Official Documents

Authentic reports and filings
from official sources

Secure Access

All documents are secure
and virus-free

Regulatory Updates

Stay informed with timely
regulatory disclosures

Investor Support

Our team is here to assist you
with any queries

Lets Talk

Whether you want to offer loans to your customers, explore co-lending, or learn more about our technology, we are ready to help.