With India’s learning economy projected to touch USD 225 billion by 2025, and nearly USD 20–25 billion in unmet demand across school education, coaching, vocational training and small business credit, the gap between aspiration and access has never been wider. Traditional lenders continue to remain cautious in categories such as skill-based education, unsecured micro-enterprise financing and secured small business loans—leaving millions of families and emerging entrepreneurs outside the formal credit fold.
Addressing this growing structural imbalance, Flyhi Finance (Fly Hi Financial Services Ltd.), an RBI-regulated NBFC specialising in education and retail lending, has announced a strategic equity-linked partnership with Fineoteric Consulting Pvt. Ltd., to build an integrated origination-plus-credit platforms, for small to medium business finance, and Priority Sector Lending (PSL)-eligible education credit.
The collaboration will bolster Flyhi’s ability to deliver structured co-lending programs, PSL deployment in education finance, term loan and structured debt partnerships, and FLDG/DLG-backed originations—capabilities that institutional partners increasingly demand as they seek specialised, risk-aligned NBFCs for deeper sectoral penetration. This integrated approach places Flyhi among the few emerging financial institutions equipped to deliver speed, discipline and transparency across education and retail credit.
Commenting on the partnership, Brijesh Parnami, Founder & CEO, Flyhi Finance, said, India’s credit requirements are evolving faster than formal supply, especially in education and small-business lending. This partnership blends Flyhi’s NBFC platform with Fineoteric’s deep distribution strength, enabling us to scale responsibly across secured, unsecured and PSL education segments with strong governance and underwriting discipline. With this combined engine, we are positioned to unlock high-quality co-lending, structured partnerships and institutional capital at meaningful scale—exactly the foundation needed to build India’s next breakout lending platform.
This partnership comes at a critical moment. India’s K-12, coaching, vocational and skill-development sectors are expanding rapidly but remain deeply underfinanced.
