OUR NETWORK

THE IREP FOOTPRINT

Pioneering MSME Financing in South India

Cluster Specific Focus on Vicinities Harboring

Strong Entrepreneurial Acumen

Andhra Pradesh: 45 Branch Offices

Karnataka: 3 Branch Offices

Telangana: 22 Branch Offices

Our Network

IREP’s Presence

We are currently present in the southern states of Andhra Pradesh, Telangana and Karnataka with a 70 strong branch network in Tier 3 and Tier 4 towns spread across the vicinities harboring high-growth business clusters.

Andhra Pradesh and Telangana have consistently outperformed their neighbours in terms of development, industry growth and literacy rates over the last two decades. With the Government pushing for a robust ‘Make In India’ initiative to drive the nation to its US$ 5 Trillion goal, these two states have consistently ranked amongst the Top 3 states in the Ease of Doing Business Rankings.

'Phygital' Business Model

Loan Book sourced and managed through a 500+ strong team staffed across 70+ strategically located branch offices in the key business and economic hubs of Andhra Pradesh, Telangana, and Karnataka.
Each branch office caters to a market within a 25-30 km radius and follows a meticulously designed ‘Phygital’ sourcing and monitoring mechanism combining latest technology and a personalized touch.

Streamlined Reporting & Structure

Every branch office comprises of a Branch Manager supported by 6-8 Customer Relationship Officers reporting to an Area Manager and Regional Manager.
Helps streamline loan origination and loan management processes thereby enabling smoother workflow.

Doorstep Delivery & Management of Loans

IREP has pioneered doorstep delivery and management of loans through its proprietary and sophisticated credit assessment model and superior customer service.
Our operational framework is built on 100% real time data connectivity across all branch offices supported by an experienced back-end team that looks after the underwriting and collections mechanism.

Unique Credit Methodology

In-Depth
Market Mapping

In-depth study of key sectors across business hubs to determine requisite credit methodology

Robust Network

Efficient distribution network focused on last mile credit facilitation covering rural pockets throughout the target market

Income Assessment

Income and cashflow assessment through non-traditional documentary evidence backed by site visits and on-ground diligence coupled with reference checks through the businesses’ supply chain partners and local peers

Legal & Technical
Evaluation

Third party Legal and Technical Evaluation for assessment of collateral

Pioneering Technology