Looks neat ! Like the way you are leveraging India stack.

Qs for you:

1. Shouldn't a new age lending platform not use old school mechanisms like CIBIL. I would guess that a new age lending platform build its own CIBIL.

2. Doesnt the requirement of Salary Slips preclude the very same people from accessing loans who do not otherwise have access to ? Also I am guessing that this will be like 1% of the population.

3. If you have the means to coinvest 50% and if you guarantee market beating outcomes, why don't go all the way to 100% ?