For India's women entrepreneurs & SHGs

She built the business.
We built the tools.

A tailor. A caterer. A shopkeeper. A treasurer of an SHG holding ₹4 lakh in trust for fifteen women. Their books exist — kept by their Chartered Accountants for compliance. The management dashboard that turns those books into decisions, the credit-ready report that turns a Tally ledger into a MUDRA application — those products didn't exist at her price point. So we built them. Alongside CAs, not around them.

Read the gap → Three products →

The numbers say one thing. The lived reality says something stricter.

India's women entrepreneurs aren't held back by ambition or capability. The financial-services infrastructure simply hasn't built the bridge between their books and a lender's checklist. The bridge is what we're building.

12 M+
Self-Help Groups across India
NABARD SHG-BLP 2023-24
88%
SHGs that are exclusively women-only
Economic Survey 2022-23
7.09%
of MSME credit reaches women-owned firms
RBI · March 2023
₹23 L Cr
disbursed via MUDRA since 2015
PIB · March 2023
Why we built this

Three women.
Three gaps in the market.

Each gap is structural — about what tools the market never built, not about what anyone failed to do. Names below are composites; the situations are exactly what we've heard from CA-firm partners and SHG conversations.

SHG treasurer
Layer 1
A composite

The SHG treasurer

"I keep the savings of fifteen women in my register. The field officer photographs it and leaves. My data goes one way. My group's own accounts never come back to me."

The gap. SHGs aren't taxable entities, so a CA practice can't economically take them on as clients — there's nothing to file. NABARD's e-Shakti collects data extractively but returns no service to the treasurer. The result: no commercial accounting tool was ever built for an SHG treasurer's reality. We built it.

We built
Samuh
₹99/SHG/mo
Individual entrepreneur
Layer 2
A composite

The individual entrepreneur

"My CA handles my compliance — GST, statutory filings, audit. That's the engagement. What I never had was a Tuesday-afternoon view of how my own business is doing this month."

The gap. She has Tally or Zoho through her CA — for compliance, properly. Management Information System (MIS) reporting at her scale was never economical to productise: larger firms got CFOs and $500–$2000/mo Western tools; nobody built the equivalent for a ₹10–50 lakh-turnover business. Shakti is that missing tier.

We built
Shakti
₹299/mo
Credit applicant
Layer 3
A composite

The credit applicant

"I'm eligible for a MUDRA Tarun loan up to ₹10 lakh. A proper CMA pack is skilled work — but at micro-loan volumes, the data-assembly hours don't fit the economics. The gap is automation, not expertise."

The gap. CMA preparation is genuine professional work — projected financials, ratio analysis, sensitivity scenarios. CAs do it well. But hand-preparing every application doesn't scale to micro-loan volumes. The MUDRA-Ready Report automates the standardised 90%, so the CA's time goes to value-add review and sign-off instead of data assembly from scratch.

We built
MUDRA-Ready Report
₹499/report
Illustrations on each card · brand photography with real Shakti users to be commissioned for production launch
So we built

Three products.
One platform.
Built alongside Chartered Accountants.

The CA continues with compliance — that's their service. Shakti sits on top of the books they maintain and gives the entrepreneur the management view, the credit pack, and the SHG accounting that no one had productised at her tier. From ₹99/month.

Products

Built for where she actually is.

Different tools for different stages of her financial life. Each step unlocks the next — without ever asking her to start over.

Most chosen
Shakti
₹299/mo Core · ₹399/mo Pro + GST

Auto-generated MIS for the individual woman entrepreneur. Tally Prime or Zoho Books in; investor-ready dashboard out. Works alongside her CA.

  • P&L, Balance Sheet, Cash Flow — auto-generated
  • Period-over-period comparison on every statement
  • 12 financial ratios as traffic lights
  • Debtor & creditor ageing snapshot
  • AI narrative in plain English
  • One-click investor / lender PDF
  • 14-day free trial · no credit card
Start free trial →
For SHG treasurers
Samuh
₹99/mo per SHG + GST

SHG accounting for the treasurer. WhatsApp-native entry. NABARD-compliant reports. Available in 5 vernacular languages.

  • Member register + savings tracker
  • Internal loan register + overdue alerts
  • Bank linkage loan tracking
  • WhatsApp data entry — Hindi & vernacular
  • NABARD compliance report — auto
  • Group P&L on the treasurer's phone
  • Hindi / Tamil / Telugu / Kannada / Marathi
Join the waitlist →
After 6 months on Shakti
MUDRA-Ready
₹499 per report · one-time

Verified Shakti data → lender-ready application package. Automates the data-assembly so the CA's time goes to value-add review and sign-off.

  • MUDRA-Ready Score (0–100) with action plan
  • Scheme match: Shishu / Kishore / Tarun / Stand-Up
  • Top 3 lenders by geography & sector
  • Projected EMI vs. verified monthly surplus
  • 2-year projected financials, auto-generated
  • Document checklist + ready-to-attach application narrative
  • Designed for CA review & sign-off in minutes
See a sample report ↓
The MUDRA-Ready Report

From financial visibility to financial access.

MUDRA has disbursed ₹23 lakh crore across 40 crore loans since 2015. Demand isn't the problem — automating the application is. Six months on Shakti is enough to turn verified Tally entries into a lender-ready package the CA reviews and signs off.

Six components.
One score. One application that lenders accept.

Auto-assembled from your verified Shakti data. Designed so your CA can review, adjust and sign off in minutes — instead of building the spreadsheet from scratch.

1
Business Vintage · 15%
Operating months verified from Tally entry history + GST registration date
2
Revenue Consistency · 25%
Coefficient of variation across 12 months — lower volatility = higher score
3
Cash Flow Health · 20%
Operating surplus, DSO trend, cash conversion cycle
4
Debt Servicing Capacity · 20%
Projected EMI as % of verified monthly surplus
5
Debtor Quality · 10%
Average collection period, concentration risk, overdue %
6
SHG Track Record · 10%
Group repayment history from Samuh — the missing CIBIL alternative
78/ 100
Tarun tier · ₹5L–₹10L

Sample: Priya's Tailoring Unit

Suggested loan₹7,50,000
Projected EMI (5 yr)₹15,800/mo
Your monthly surplus₹38,000
EMI ÷ surplus42% · safe
Best-match schemeMUDRA Tarun
Download full PDF · ₹499
The Shakti journey

Know your numbers.
Access credit. Grow revenue.

Every stage compounds the next. A Samuh member graduates to Shakti with her SHG repayment history as a credit signal. A Shakti user with 6 months of data unlocks her MUDRA-Ready Score. The loop closes.

1
Stage one
SHG member

Joins Samuh through her group. Builds 12 months of savings + loan repayment history.

Samuh · ₹99/SHG/mo
2
Stage two
Individual entrepreneur

Graduates to Shakti. Connects Tally / Zoho. First-ever management dashboard in plain English.

Shakti Core · ₹299/mo
3
Stage three
Credit applicant

Six months of Shakti data. MUDRA-Ready Score auto-generated. CA reviews. First formal loan disbursed.

MUDRA-Ready Report · ₹499
4
Stage four
Growth entrepreneur

Maya kicks in. Customer + margin intelligence. Revenue grows. Score improves.

Shakti Pro · ₹399/mo
For Chartered Accountants

A women-focused vertical
that extends your practice.

Shakti white-labels for your firm. Deploy across your woman-led clients. Earn 10–15% recurring commission. Position your practice as a women's-finance specialist — a fast-growing segment that's structurally under-served by national chains.

One agreement.
Every woman client on the same intelligence platform.

No retooling. Your clients keep their Tally / Zoho — you keep their compliance work. Shakti adds the management dashboard, the MIS narrative and (when ready) the MUDRA-Ready Report — all branded under your firm.

  • White-label Shakti as your firm's digital MIS service
  • 10–15% recurring commission on every paid subscription
  • MUDRA-Ready Reports auto-prepared — you review & sign
  • Your time goes to advisory value-add, not data assembly
  • Position your firm in the fastest-growing borrower segment
  • Reference: founder is CA + IIM Ahmedabad; co-founder is a woman CA
Become a CA partner →
Small CA firm
~20 women clients
₹9,000/mo
Medium CA firm
~50 women clients
₹17,500/mo
Large CA firm
~100 women clients
₹30,000/mo
Enterprise CA
200+ clients · custom support
₹50,000+/mo
Why Shakti specifically

Designed for her.
Not retrofitted to look like it is.

Each design decision below maps to a documented structural barrier. Gender-intentional at the architecture level — not "general product with women in the marketing copy".

Every metric is a question

Not "Current Ratio = 1.8" but "Do I have enough cash for next month?" Plain language at every label, in the entrepreneur's frame.

WhatsApp-native for SHGs

Samuh accepts entries via WhatsApp message. No app download. No smartphone barrier for the SHG treasurer.

Vernacular from day one

Hindi, Tamil, Telugu, Kannada, Marathi at launch. Eight more by month 12. English never required.

Priced for her tier

₹299/mo Shakti vs. ₹999/mo for the core FinLytTech product. ₹99/mo for SHGs. Margins that match micro-business realities.

Community before conversion

#ShakthiCircle WhatsApp community launches free. Peer trust precedes purchase — the #1 adoption driver in this segment.

Credit as a journey, not an event

MUDRA-Ready Score positioned as graduation, not application. Removes the friction around first formal credit access.

Who's behind Shakti

Built by practitioners.
Not technologists guessing.

Two Chartered Accountants. One built the financial intelligence engine. The other brings the women-CA distribution network and is a 51%+ partner of the LLP — gender-intentionality at the entity level, not in the marketing copy.

Founder & CEO

Sasidharan V

CA (ICAI) · MBA, IIM Ahmedabad (BPGP) · 15+ years Capital Markets, M&A, FP&A

Built FinLytTech's 10-layer Tally pipeline and AI MIS engine. Every financial intelligence feature is designed by someone who ran the same analysis for PE firms — not a technologist guessing what a CFO needs.

Co-founder & Head of Partnerships

CA Komal Jagdish Vishwakarma

CA (ICAI) · Apollo Hospitals ERP · Ex-BSE Ltd · 51%+ LLP partner

Direct network of women CA firms — the primary source of Shakti's CA partner pilot. Brings the product, the credibility, and the distribution channel simultaneously.

#ShakthiCircle

Twelve months. Twelve playbooks.
Built for her.

A free monthly literacy session every month for a year. Each session paired with a one-page #BuildingforHer Playbook tied directly to her Shakti dashboard. Live-facilitated by Shakti's founding CA — recorded so you can replay anytime.

Month 1
Reading your own P&L
Month 2
Cash is king — working capital
Month 3
GST, simplified
Month 4
How lenders see your business
Month 5
Government schemes — applying
Month 6
Pricing for profit
Month 7
Managing debtors
Month 8
Preparing for a loan
Month 9
Balance sheet basics
Month 10
Annual business review
Month 11
Planning next year
Month 12
Pitching to an investor
Join the circle →
Frequently asked

Common questions,
direct answers.

Tap any question to expand. If yours isn't here, the waitlist form reaches the founder directly.

What is Shakti and who is it for?+
Shakti is FinLytTech's financial intelligence platform built specifically for India's women entrepreneurs. If you run a tailoring unit, food business, retail outlet, or services firm and use Tally Prime or Zoho Books, Shakti gives you an auto-generated management dashboard in plain English and (when you're ready) a credit-ready MUDRA application package — designed for your CA to review and sign off.
How does Shakti work with my Chartered Accountant?+
Your CA continues handling compliance — GST, statutory filings, audit. That's the engagement and it stays unchanged. Shakti sits on top of the Tally / Zoho books your CA maintains and adds the management-decision layer she never had as a separate product. For MUDRA applications, Shakti automates the standardised data assembly so your CA reviews and signs off — instead of building the spreadsheet from scratch.
How is Shakti different from the main FinLytTech product?+
Same financial intelligence engine, women-intentional UX. Plain-language labels, vernacular UI, monthly literacy programme, MUDRA-Ready Score, Samuh SHG accounting. ₹299/mo vs. ₹999/mo for the core product — priced for micro-business margins.
What is the MUDRA-Ready Score and how is it calculated?+
A credit-readiness score generated automatically after 6 months of Shakti usage. Six components: business vintage (15%), revenue consistency (25%), cash flow health (20%), debt servicing capacity (20%), debtor quality (10%), SHG track record (10%). Sold as a ₹499 one-time report that packages the score, scheme match, lender list and projected financials into one lender-ready application.
Is the MUDRA-Ready Score a loan guarantee?+
No. It is a credit-readiness indicator and a structured application package. Final loan decisions rest entirely with the bank or NBFC. We are not a lending agent, broker, or loan service provider.
What is Samuh?+
Samuh is Shakti's SHG accounting product for Self-Help Group treasurers. ₹99/month per SHG. WhatsApp-native entry — the treasurer types "Sunita ne ₹500 jamaa kiya" and Samuh posts it to the group's ledger. Generates the NABARD compliance report bank linkage officers want. Hindi, Tamil, Telugu, Kannada, Marathi.
Do I need to switch from Tally or Zoho?+
No. Shakti sits on top of your existing books. Your CA continues working in Tally Prime or Zoho Books exactly as before. We read; we don't write.
Is there a free trial?+
Yes — 14 days of Shakti Core (₹299/mo tier), no credit card required. Connect your data and generate your first dashboard before paying anything. Razorpay handles billing.
Is my data safe? Who can see it?+
Your data is encrypted on India-hosted servers (AWS Mumbai), isolated per business, never sold or shared. AI commentary via Anthropic's Claude API — only aggregated figures travel, no transaction-level detail, no customer PII. Full disclosure in our Privacy Policy.
I'm a CA. How does the partner programme work?+
Our CA Partner Programme white-labels Shakti for your firm — deploy across your woman-led clients at once, earn 10–15% recurring commission, position your practice in the fastest-growing borrower segment. Pricing scales with client count. See the For CAs section above or write to founder@finlyt.net with "CA partner" in the subject.
What is Maya?+
Maya is Shakti's revenue intelligence layer for Shakti Pro users with 12+ months of data. Analyses customer concentration, seasonal patterns, margin trends, debtor recovery sequences. Outputs growth recommendations grounded in actual numbers. Bundled in Shakti Pro at no extra cost.
Where can I talk to a human?+
Write to founder@finlyt.net — the founder replies directly within 24 hours (IST business hours). For CA firms exploring the white-label, mention "CA partner" in the subject and you'll be routed to the co-founder.
Early access

Start your trial
or join the waitlist.

14-day free Shakti trial. Or drop your email and we'll send onboarding details for the path that fits how you keep books today.

One email. You're in.

We'll send the trial link plus onboarding for Tally / Zoho / Manual paths.

No credit card · No spam · Cancel anytime · DPDP compliant
✓ You're on the list. Look out for an onboarding email shortly.