At Friend Loan, we give fast loans at reasonable rates to deserving borrowers. We use Machine Learning to understand the customer and credit rate him/her in real-time. This enables us to have a paperless process and fast disbursals in a few minutes. Only 20% of India's population has PAN cards and only about 3% pay income tax. The 80% of the population without PAN cards are practically invisible to banks. And, of the remaining 20%, only the 3% that pay income tax get sufficiently funded by banks. The rest 97% are either unbanked or underbanked. Of this, more than 50% are above the poverty line. Banks and financial technology haven't grown as fast as the tech industry. Except for a few efficiency improvements like ATM, e-banking and mobile banking, there is little the banks have evolved over the last several decades. FriendLoan is a completely fresh look at how lending can be done if we have to design it from scratch today. The result is an ultra-efficient tech lending platform. Mission: To provide sufficient amount of loan to borrowers at reasonable rates, in the quickest possible time and with the least possible amount of work. Vision : To be among the top 5 banks in the country by lending portfolio size before 31st December 2024.