Mumbai, India, Dec 10: India’s education and retail credit landscape is undergoing a pivotal shift. With the country’s learning economy projected to touch USD 225 billion by 2025, and nearly USD 20–25 billion in unmet demand across school education, coaching, vocational training and small business credit, the gap between aspiration and access has never been wider. Traditional lenders continue to remain cautious in categories such as skill-based education, unsecured micro-enterpise financing and secured small business loans—leaving millions of families and emerging entrepreneurs outside the formal credit fold.
Addressing this growing structural imbalance, Flyhi Finance (Fly Hi Financial Services Ltd.), an RBI-regulated NBFC specialising in education and retail lending, has announced a strategic equity-linked partnership with Fineoteric Consulting Pvt. Ltd., one of India’s leading national distributors with more than ₹2,000 crore in annual disbursements across secured and unsecured products. This collaboration aims to build one of the country’s most integrated origination-plus-credit platforms, designed to unlock scalable growth across secured lending, small to medium business finance, and Priority Sector Lending (PSL)-eligible education credit.
This partnership comes at a time when India’s credit ecosystem is being reshaped by increased regulatory scrutiny, sharper risk assessment frameworks, and a renewed emphasis on governance. The Flyhi–Fineoteric alliance brings together Flyhi’s regulated NBFC balance sheet, disciplined underwriting, and compliance-first systems with Fineoteric’s high-velocity sourcing engine and nationwide distribution reach, enabling a lending model that can scale responsibly without compromising on credit quality.
The collaboration will bolster Flyhi’s ability to deliver structured co-lending programs, PSL deployment in education finance, term loan and structured debt partnerships, and FLDG/DLG-backed originations—capabilities that institutional partners increasingly demand as they seek specialised, risk-aligned NBFCs for deeper sectoral penetration. This integrated approach places Flyhi among the few emerging financial institutions equipped to deliver speed, discipline and transparency across education and retail credit.
Commenting on the partnership, Brijesh Parnami, Founder & CEO, Flyhi Finance, said, India’s credit requirements are evolving faster than formal supply, especially in education and small-business lending. This partnership blends Flyhi’s NBFC platform with Fineoteric’s deep distribution strength, enabling us to scale responsibly across secured, unsecured and PSL education segments with strong governance and underwriting discipline. With this combined engine, we are positioned to unlock high-quality co-lending, structured partnerships and institutional capital at meaningful scale—exactly the foundation needed to build India’s next breakout lending platform.
Adding further insight, Sarvang Desai, Executive Partner – Capital & Distribution at Flyhi Finance, “Fineoteric has built a deep and reliable sourcing footprint across both secured and unsecured credit. With Flyhi as a strong balance-sheet partner, we are now positioned to unlock high-quality opportunities in co-lending, PSL-aligned education finance, and structured partnerships for banks, NBFCs and institutional investors.”
This partnership comes at a critical moment. India’s K-12, coaching, vocational and skill-development sectors are expanding rapidly but remain deeply underfinanced, driving banks to seek specialised NBFC partners with strong governance and domain expertise—an area where Flyhi already excels. By combining Fineoteric’s distribution scale with Flyhi’s regulated operations, the alliance creates risk-optimised, institution-ready credit infrastructure and positions Flyhi to accelerate expansion across education, consumer and small-business lending through technology-led delivery and co-lending partnerships.