What is ULI?

Think of ULI (Unified Lending Interface) as the "UPI for Loans."

Just like UPI made payments instant and seamless, ULI will transform lending—making it fast, accessible, and independent of traditional credit scores.

How ULI Works ?

• A borrower (such as a gig worker, MSME, or student) applies for a loan through a ULI-powered app.
• instead of traditional CIBIL scores, ULI's AI evaluates creditworthiness using bank transactions, UPI history, mobile recharges, and online purchases.
• The system instantly matches the request with banks, NBFCs, and P2P lenders (similar to how UPI routes payments)
• The loan is approved and disbursed immediately through UPI.

Why is ULI a Game-Changer ?

• No credit score needed—uses alternative data

• Instant loan approval—no long waiting periods

• Seamless UPI integration—direct fund transfers

• Multiple lenders, better options—competitive rates

In short, ULI is a one-stop lending platform that connects borrowers and lenders instantly, revolutionizing loans just as UPI transformed payments.

https--www.pwc.in-assets-pdfs-unified-lending-interface.pdf.webloc

https://www.instagram.com/nikhilkamathcio/p/DFUdXnSsYPJ/

why does India need ULI?