Idea Sparks During Crisis
The idea emerged post-demonetisation and during COVID. The authors felt a strong need to raise fintech awareness.
From dusty ledgers and village sahukars to digital dashboards and AI-driven lending — Sahukari to Digital Lending unravels India’s powerful financial transformation. This book bridges centuries of evolution, revealing how trust, technology, and transparency are reshaping the way Bharat borrows and builds its future.
"This book masterfully connects India’s deep-rooted lending culture with its booming digital finance space. The transition from sahukaars to AI-based platforms is explained in a way that even non-finance readers can understand. A must-read for students, bankers, and policymakers alike."
"As a professor of finance, I’ve rarely seen a book that balances storytelling, case studies, and technical insight so well. It not only covers regulations and fintech trends but also brings in the human side of lending practices through history. Brilliant work by CA Manish and CA Manoj."
"This book helped me understand credit systems, fintech apps, and how digital lending can be a game-changer for startups. It’s written in simple English and makes learning about finance actually interesting!"
"This is not just a book, it's a roadmap. For entrepreneurs, digital lenders, or anyone trying to understand India’s financial evolution, it’s gold. Loved the section on co-lending models and fintech startups."
For centuries, lending in India was rooted in trust, tradition, and informal networks. From barter systems and handwritten ledgers to mobile apps and instant approvals — this book traces how financial borrowing evolved with society, economy, and technology. It’s more than a shift — it’s a transformation India lived through.
Credit today isn’t just about money — it’s about awareness, responsibility, and protection. This book breaks down the real-world issues borrowers face, the legal frameworks shaping lending, and the risks of misinformation. It’s a wake-up call for both sides of the coin — the lender and the borrower.
Fintech. UPI. AI credit scoring. Lending in India is moving faster than ever — but is it accessible, inclusive, and fair? This book explores how the next wave of innovation can bridge financial gaps and empower people who’ve long been left out of the credit conversation.
The idea emerged post-demonetisation and during COVID. The authors felt a strong need to raise fintech awareness.
The journey officially started as the authors began converting years of experience into a book.
Focused on transforming unorganised lending practices and spreading fintech literacy worldwide.
The manuscript was completed in March. On April 26, Chetan Bhagat unveiled the book at a grand launch event.
Discover the journey from traditional lending roots to the forefront of digital finance. Rooted in legacy, shaped by disruption — this narrative unravels how trust, resilience, and technology converge. A shift not just in systems, but in mindset. With every page, step into the evolution of credit in India — from sahukari ethics to digitally driven empowerment.
Let the story of change inspire your own.
© 2025 Sahukari to Digital Lending. All rights reserved.