By adopting a differentiated approach to customer acquisition and underwriting, MyShubhLife is serving the financial needs of blue-collar and low-income self-employed workers in a cost effective manner. MyShubhLife acquires customers through it scoring model which helps them assess their financial health and nudges them towards better financial behaviours. Its low-ticket-size products, affordable pricing, and mobile-led, local language model is uniquely tailored to the socio-cultural context of the Next Half Billion.

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