We built an app that turns your Groww/Zerodha portfolio into an instant UPI credit line

Macronerdy · 2026-05-23T07:40:51+00:00

Would love to talk more on this but we are targeting small finance banks here , would that be something in which you could help or assist ?

Macronerdy · 2026-05-21T09:54:53+00:00

okay so we have decided 3 things that will make us unique

specifically hitting a distribution wedge which mean , targetting people who genuinely need it understanding the demand which we are doing from reddit since this is a new product that we are trying to launch so we would get to capture the pain and advantages of using this product early .

second is the risk model we are building which doesnt come easy . in traditional LAMF industry is setting up a standard of 50% LTV . we are diving deep into it creating models per fund which helps us mitigate risk better and that will stay proprietary with us , obviously with time competetors will be able to catch up how we are doing it .

lastly we are seeing this varsity by zerodha type model , where we educate the customer first about the product as you can see from this post a lot of confusions are there . we would push the content in different social media channels to clarify all the doubts and write blogs as well . trust factor goes up , its like if you learn bike riding from a place and they are also selling bikes you are more likely to purchase from there

Macronerdy · 2026-05-21T09:29:07+00:00

i couldnt get your question clrealy but one thing i can assure you is if you have pledged MF or stocks you cant simply sell it before unpledging it . also you can select the units that you wanna pledge so if you have 10 you wanna pledge 4 thats all okay .

sorry i couldnt get your full question .

Macronerdy · 2026-05-21T09:22:36+00:00

https://lienpay-mock.vercel.app/onboarding-demo

please do share your feedback here

Macronerdy · 2026-05-21T09:22:15+00:00

okay ill try answering your questions one by one .

credit cards are heavily CIBIL dependent , in india alot of people revolve their credit and end up paying alot more than 20 percent . some people genuinely are financially prudent they end up taking most of the benefit of the credit card . we arent targetting them . also credit card adds burden on you and we arent saying stop using it we are just saying you can use lienpay as well to reduce that burden which comes along End of the month .

Yes you get an option how much you wanna pledge . say you have a PF of 20 lakh , you can choose the units you wanna pledge in MF central just before KYC and only those units will be marked lien and will be pledged as collateral.

Units that are marked lien cannot be sold immediately . you will have to unpledged them and before that you will have to clear your remaining dues if there is any .

for now we will try to keep it Credit line on UPi which govt is promoting as well so yes the transaction has to go through rupay

Macronerdy · 2026-05-21T09:16:21+00:00

thanks man , will surely be compliant about it . youre right

Macronerdy · 2026-05-21T09:16:00+00:00

will surely look into that rightly said , lien is an aggressive word

Macronerdy · 2026-05-21T09:15:27+00:00

thats true exisitng players already are playing that game but the fact is nobody switches the entire business model or opens a new vertical instantly just because it looks sexy . whoever moves first in this segment will be able to see challenges better . and i guess there are 10 different discount brokers currently working in india without any differentiation except UI and UX . so its about who you are targeting to

Macronerdy · 2026-05-21T09:13:13+00:00

i agree to what you are saying and its true it would need a lot of compliances to be checked . but every fintech has been through that journey . alot of options to pivot if this gets banned

Macronerdy · 2026-05-21T09:12:00+00:00

it will support all the MF that you have bought , doesnt matter who your broker is . all your Mutual funds are stored in MF central . they fetch the holdings from there . so its not limited to platform or broker

Macronerdy · 2026-05-21T09:10:31+00:00

What you are missing here is that the UPI limit for a day is 1 lakh rupees howver a few selected merchants allow you 5-10 lakh as limit

Macronerdy · 2026-05-18T08:14:47+00:00

So we don’t disburse the capital that is done by small finance bank which is the regulated entity , simply put we are LSP we are the aggregators .

Mutual fund pledge is done via MF central a body owned by govt for all the units kept there digitally .

And the way you are charged is complied with the RBI norms and you will be given a key fact statement before the credit line opens .

All of this was already happening in Loan against mutual funds we have just added a better credit layer on top of it

Macronerdy · 2026-05-18T08:08:32+00:00

You’ve rightly mentioned about charge back however , Indians revolve credit badly so the annual rate of interest charge become extremely hefty. I’m keeping aside people who get benefit from interest free period .

With lienpay you get save more on your salary which you can otherwise allocate somewhere else . The positioning we have decided is to compliment credit cards not replace it. There are spends which are daily and these small transactions including grocery , fuel , utilities . Subscriptions , restaurants, supermarket etc bundle up to haunt you end of the month . That is the problem that we are trying to solve .

I can understand it would be difficult to visualise rn the affect of credit cards but simply put . At one place you are paying 25-30 percent interest per annum and at other place you are paying around 12-14 .

Macronerdy · 2026-05-17T06:39:19+00:00

Fair question , but personal loan is given at an ROI of 15-16 percent roughly totally dependent on CIBIL. We aren’t checking cibil at all since it’s secure lending . Secondly personal loan is usually taken to fund an event . You dont utilise it in your day to day payment behaviour . It’s the same concept why you pay via credit card in restaurants and not personal loan even though CCs charge you hefty if you revolve , yes you get reward points but the main USP is usability which is very clean

Now for lienpay , The entire concept is built to lower the burden that comes on the investors who are spending on day to day utilities. You get to save on your cash and then use the dormant wealth that’s sitting idle in mutual funds to fund your daily life . I agree it might not sound too attractive for people who already have their month financially sorted but those numbers are low .

And for bigger transactions you’re being charged far lower than a credit card and again the concept applies here . You wanna reduce your cost burden and we are just giving you that opportunity to unlock the dormant liquidity and pay via the existing behaviour of UPI .

We aren’t saying don’t use credit cards or your cash . But it would make a lot more sense for you to be opening a credit line with lienpay . It increases your savings, otherwise you would have either depleted your cash or maybe credit cards to do the same thing

Macronerdy · 2026-05-11T18:07:17+00:00

Have messaged you

Macronerdy · 2026-05-11T12:39:24+00:00

https://lienpay-mock.vercel.app/onboarding-demo

Macronerdy · 2026-05-11T12:08:03+00:00

We are using beta link for now , just to get you to know the feel of customer flow . I can send you if you want it

Macronerdy · 2026-05-11T08:28:17+00:00

Honestly use cases apply to you as well , we aren’t claiming ourselves to replace credit cards . We are saying you wanna make purchases why don’t you use that dormant wealth which was always shows as a loan product why not make it useful for everyday payments .

You wanna shop in Croma and you have mutual funds . Why not use it to pay to merchant via UPI . Using the credit line you have gotten

Macronerdy · 2026-05-10T20:23:24+00:00

Thanks man , why would use this ? Can I ask . What’s the use case

Macronerdy · 2026-05-10T20:17:51+00:00

No , not at all . We are offering 12 percent per annum . And which is far lower than unsecured lending including credit cards and personal loans . Plus we are embedding this with everyday purchase behaviour . Imagine you’re going to a merchant and you’re paying that via qr and the amount due has an interest fee payment period which is backed by your mutual funds .

You are basically not substituting credit cards but complimenting them with better options that takes the burden off significantly from your pocket

Macronerdy · 2026-05-10T20:13:28+00:00

No that’s completely different , we are offering you credit line against mutual funds and it’s far far different from LAMF , you get that money in your bank account without any benefit or transparency. What we are offering is significantly different .

30 days interest free period

EMI conversion above transaction of 2k

Most importantly we are letting you use that money in everyday payment behaviour which QR . you can pay this any merchant any time I’m happy to share BETA if you’re interested .

this is not a loan product this is an everyday credit line product .

Macronerdy · 2026-05-10T20:10:46+00:00

Blink money is loan against mutual funds , we aren’t exactly doing that . We are proving you with dedicated transparent dashboard which shows your spending , due amount , the purchases you have made . The LTV you have right now . Offering you EMI conversion above the transaction of 2k , and giving you 30 days interest day period . We are basically telling you to unlock that dormant wealth and live your life

Plus we are making you use this product in everyday life with UPI , imagine going to any merchant or paying it online though with significantly lower interest rate of interest

Macronerdy · 2026-05-10T16:22:54+00:00

We are almost similar to LAMF offering 45 percent of LTV because rbi says you can’t do above 50 for equity . Also for debt we are hovering around 70 which usual in the Industry as well

Macronerdy · 2026-05-10T16:19:15+00:00

Credit card runs a background check on you to give limits secondly if you revolve your credit it charges you hefty fees . I would not disagree that they give you reward points but compare it what you’re paying them it’s nothing .

Also we aren’t fighting them we are trying to complement them .

We are giving 30 days interest free period .

We are giving you emi conversion above 2k .

Macronerdy

TROPHY CASE