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Open Credit Enablement NetworkDemocratising Credit

How It WorksDocumentation

Credit gap for MSMEs is ₹20 - 25 trillion

Less than 11% of MSMEs have access to formal credit

OCEN is an attempt to solve these problems by creating a framework for

  • Short tenures & small ticket loans

  • Allow remote lenders to operate in distant geographies

  • Allow consented access of alternate sources of data

How it works

Introducing OCEN 4.0: Transforming MSME Lending

Deep Dive Into OCEN 4.0 Tech

OCEN 4.0: Intro to Borrower Agent Openhouse

OCEN 4.0: Intro to Lenders Openhouse

Trusted by leading financial institutes

OCEN 4.0 Wave One Partners

Loan Agents



Credit Guarantee Partners