Continuing its rapid transformation into an AI-driven digital lending powerhouse, AvenuesAI Limited has announced plans for a strategic minority investment of up to 2.5% in the Ahmedabad-headquartered non-banking financial company (NBFC) Ratnaafin Capital.
Following a board approval disclosed via stock exchange filings, this transaction anchors AvenuesAI’s broader initiative to construct a diversified, AI-orchestrated embedded finance network through partnerships with regulated, specialized lending institutions.
The “Liability-Light” Strategic Model
The investment directly mirrors AvenuesAI’s core operational blueprint, which prioritizes technological distribution over balance-sheet exposure.
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Role Separation: AvenuesAI functions strictly as an AI-driven distribution, risk analytics, and transaction orchestration layer.
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Risk Mitigation: Regulated partner financial institutions, like Ratnaafin, continue to manage credit underwriting, regulatory compliance, capital deployment, and baseline balance-sheet risks.
“The proposed investment aligns with the company’s ‘liability-light’ lending strategy, under which AvenuesAI intends to operate as an AI-driven distribution and orchestration platform while partner NBFCs manage underwriting, capital deployment, and balance-sheet risk.”
— Vishal Mehta, Chairman & Managing Director, AvenuesAI
Partner Profile: Ratnaafin Capital
Ratnaafin Capital is a fast-growing, RBI-registered new-age NBFC with deep roots in India’s industrial engine.
| Attribute | Details |
| Lending Portfolio | Exceeding ₹2,000 crores |
| Primary Focus Area | Small and Medium Enterprise (SME) financing |
| Backing Group | Ratnamani Sanghvi Family Group |
| Headquarters | Ahmedabad, Gujarat |
Deploying Credit via Digital Workflows
By integrating with Ratnaafin’s lending backbone, AvenuesAI plans to leverage its widely used consumer and payment portals—including CCAvenue, Rediff, and RediffPay—to introduce highly targeted, merchant-focused financial solutions directly into existing workflows.
These embedded features will primarily target the MSME ecosystem through:
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Working Capital Finance: Offering seamless, short-term liquidity options based on merchant cash flows.
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Invoice Discounting: Speeding up payment cycles for small business owners by unlocking capital tied up in unpaid invoices.
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AI Credit Intelligence: Developing advanced, proprietary data-analytics frameworks to assist partners with real-time risk monitoring, fraud detection, and customized credit product generation.
