⇄
She pays, the way she already does
The full UPI stack — scan and pay, send and receive, autopay, UPI Lite, bills and recharges. Fast, familiar, and free of clutter.
See all UPI services →She Leads. She Grows. She Pays.
Built for your
ambition.
Engineered for
your life.
Engineered for
your life.
Engineered for
your life.
The all-in-one financial app that turns daily transactions into wealth, growth, and leverage — without the friction.
◆NPCI-licensed TPAP infrastructure
◆NSDL savings account
◆Rewards on everyday spend
Start from ₹1— digital gold✦
Full KYC— before any service✦
UPI Autopay— set it once, forget it✦
No jargon— everything in plain language✦
01What we do
One app. Three things that
change everything.
Most women in India already move money every day. What has been missing is a place that treats that as the start of something.
◈
That paying becomes credit
Credit Line on UPI. We read how she already pays — frequency, merchants, consistency — and turn it into a credit profile no bureau file could show.
How the credit line works →◆
And credit becomes independence
Savings, digital gold, insurance and rewards sit alongside it, so money that used to just pass through starts building something.
See all products →02The change we are making
Not a risk problem. A
measurement problem.
Traditional underwriting was built around salary slips and bureau files. It cannot see a woman who has managed money carefully for a decade without generating either.
15 Cr
women use UPI every month
But
< 3%
hold a credit card
12.5vs 9.2
UPI transactions a month, women versus men.
Higher engagement, not lower.
Higher engagement, not lower.
78%
repeat-merchant rate — one of the strongest
loyalty signals in consumer finance.
loyalty signals in consumer finance.
1.8%vs 2.2%
90+ DPD delinquency. Women are the safer
borrowers, and still the excluded ones.
borrowers, and still the excluded ones.
Around 12 crore women are credit-eligible on behaviour today; three to four crore qualify right now and remain credit invisible. We are not creating demand. We are reading a signal that was always there.
More about why we exist →03Who she is
Already financially active. Still
invisible.
Millions of women move money every day and have nothing on paper to show for it. These are the patterns our underwriting was built to read.
"I've paid the same suppliers every week for six years."
She runs a shop from home. Steady income, loyal vendors, not a single missed payment — and no payslip that a lender will accept.
HOME BUSINESS OWNER
"Everything I spend goes through UPI. None of it counts."
Groceries, bills, recharges, e-commerce — around ₹20,000 a month, entirely consistent. Her behaviour is documented. Her credit file is empty.
SALARIED, NEW TO CREDIT
"Every financial product in the house is in his name."
She manages the household budget and always has. When she needs credit of her own, she starts from zero — because nothing was ever recorded as hers.
HOUSEHOLD FINANCIAL MANAGER
15Impact
Our growing community.
These slots animate the moment verified figures are supplied. Nothing here is estimated.
Women on ShePays
Awaiting figure
Monthly transaction value
Awaiting figure
Cards in force
Awaiting figure
Brand & merchant partners
Awaiting figure
Digital gold invested
Awaiting figure
Repeat transaction rate
Awaiting figure
New-to-credit share
Awaiting figure
Cities live
Awaiting figure
23Get started
One app. Infinite possibilities.
She Leads. She Grows. She Pays.
Under 3%— have a credit card✦
That is not risk— that is measurement✦
12.5 transactions a month— versus 9.2 for men✦
15 Cr women— use UPI every month✦