Obtaining a Business License from the Reserve Bank of India and Entering the Digital Lending Business
First written in FY2020-Q2. 15 of 17 entries say "Advanced", first in FY2020-Q3. Latest entry: 2026-08-12.
No other company in this theme has enough history to compare yet.
- 2026-08-12AdvancedResults
「当第１四半期連結会計期間末での債権残高（貸倒引当金控除前）は4,117億円（前期末比10.4％増）となりました。」
インド事業の債権残高が前期末比10.4％増の4,117億円となり、ダイレクトレンディング、有担保ローン、ポートフォリオ最適化および収益性改善の進展を記載している。 - FY2026AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., direct lending was positioned as a priority area, and the company continued to build a high-quality receivables base and expand its balance. In particular, secured loans grew steadily in branch lending using branches and sales agents. As a result of continuing operations focused on controlling credit risk under an enhanced risk management framework, portfolio optimization and profitability improvements progressed. The receivables balance for the current consolidated fiscal year, before the allowance for doubtful accounts, was ¥373.0 billion, up 21.7% from the end of the previous fiscal year.」
In the India business, direct lending and secured loans expanded, increasing the receivables balance from ¥306.4 billion to ¥373.0 billion. Credit risk management and portfolio optimization also progressed. - 2026-05-15AdvancedResults
「以上の結果、当連結会計年度での債権残高（貸倒引当金控除前）は3,730億円（前期末比21.7％増）となりました。」
インド事業でダイレクトレンディングとブランチレンディングを継続し、債権残高が3,223億円から3,730億円へ増加した。 - FY2027-H1AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., direct lending is positioned as a priority area, and the Company continues to build a high-quality receivables base and expand the balance. In particular, the balance of secured loans expanded in branch lending, which uses proprietary branches and sales agents. While strengthening its risk management framework, the Company continues to operate the business with a focus on controlling credit risk, and is making progress in optimizing its portfolio and improving profitability. As a result, the balance of receivables before deduction of the allowance for doubtful accounts at the end of the interim consolidated accounting period was ¥419.6 billion, up 12.5% from the end of the previous fiscal year. In terms of funding, the Company executed borrowings under a multicurrency ECB (external commercial borrowings) syndicated loan agreement, the largest of its kind in the company’s history, further strengthening its funding base and diversifying its funding methods.」
In the India business, direct lending and secured loans expanded, increasing the receivables balance to ¥419.6 billion. The Company executed its largest-ever multicurrency ECB syndicated loan, further strengthening its funding base. - FY2026-H1AdvancedAnnual report
「The company made progress in optimizing the portfolio and improving profitability by flexibly reviewing various product strategies, beginning with a review of credit standards during the interim period. As a result, the receivables balance at the end of the interim consolidated fiscal period was ¥322.3 billion, before the allowance for doubtful accounts, up 5.2% from the end of the previous fiscal year. Going forward, the company will promote business expansion centered on direct lending while controlling credit risk, and strengthen a stable growth platform by diversifying its funding sources.」
In the India business, credit standards and product strategies were reviewed, advancing portfolio optimization and profitability improvements. The receivables balance increased to ¥322.3 billion, and the company indicated a policy of continuing to focus on direct lending and diversify its funding sources. - FY2025AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., the receivables balance was steadily expanded, primarily through lending to micro, small and medium-sized enterprises via branch lending and lending to individuals via embedded finance. The company also further strengthened its credit and risk management while maintaining a balance among its products and pursuing sound, sustainable growth. As a result, the receivables balance for the current consolidated fiscal year, before the allowance for doubtful accounts, was ¥306.4 billion, up 42.4% from the end of the previous fiscal year.」
In the India business, the receivables balance was expanded to ¥306.4 billion, driven by branch lending and embedded finance, while credit and risk management was also strengthened. - FY2024AdvancedAnnual report
「Our consolidated subsidiary Kisetsu Saison Finance (India) Pvt. Ltd. received an investment from Mizuho Bank, Ltd., a subsidiary of Mizuho Financial Group,Inc., and its subsidiaries. As a result, our group’s voting rights ratio decreased from 99.96% to 83.7%.」
The Indian subsidiary received ¥21 billion in investment from Mizuho Bank, Ltd. and others, introducing external capital. As a result, our group’s voting rights ratio became 83.7%. - FY2024-Q3AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd. (hereinafter, “Credit Saison India”), partners in embedded finance, under which Credit Saison India partners with platform operators and others with large customer bases to provide direct loans, steadily increased, including major mobile network operators. Branch lending, under which the company lends to small and medium-sized enterprises and others from more than 40 branches opened across India, also grew steadily. As a result, the receivables balance at the end of the third quarter of the current consolidated fiscal year was ¥171.1 billion, before the allowance for doubtful accounts, up 75.5% from the end of the previous fiscal year. Through this investment, Mizuho Bank, Ltd. and its subsidiaries will acquire approximately 15% of Credit Saison India’s common shares, and Mizuho Bank, Ltd. will dispatch 1 director to Credit Saison India. As a result, Credit Saison India is expected to become an equity-method affiliate of Mizuho Bank, Ltd.」
In the India business, embedded finance and branch lending through more than 40 branches expanded, increasing the receivables balance to ¥171.1 billion. In addition, as a subsequent event following the resolution dated 13 February 2024, an investment of approximately 15% by Mizuho Bank, Ltd. and others and the dispatch of directors were planned, strengthening the capital and business base. - FY2024-Q2AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., embedded finance, under which the company partners with platform operators and others with large customer bases and provides direct loans, and branch lending, under which it lends to small and medium-sized enterprises and others from approximately 40 branches opened across India, grew steadily in addition to partnership lending, which had previously driven business expansion. As a result, the receivables balance at the end of the second quarter of the current consolidated fiscal year was ¥148.8 billion, before the allowance for doubtful accounts, up 52.6% from the end of the previous fiscal year. In August 2023, the company issued its first non-convertible debentures (NCDs) and is implementing a strategic capital policy to support sustainable growth.」
India’s digital lending business expanded beyond partnership lending as embedded finance and branch lending grew, increasing the receivables balance to ¥148.8 billion. The company also reported the expansion to approximately 40 branches and the issuance of its first NCDs. - FY2024-Q1AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., which drives the lending business, digital partnership lending expanded strongly. Branch lending also remained steady, supported by lending through a 30-branch network, bringing the receivables balance to ¥120.8 billion at the end of the first quarter of the current consolidated fiscal year, before the allowance for doubtful accounts, up 23.9% from the end of the previous fiscal year. The company has also begun considering a capital strategy for sustainable growth, including local fundraising, the future acceptance of external capital and a potential local listing.」
In the India business, direct lending using 30 branches progressed in addition to lending partnerships, and the receivables balance increased 23.9% from the end of the previous fiscal year. The company also began considering a capital strategy including the acceptance of external capital and a local listing. - FY2023AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., lending partnerships with local FinTech companies continued to drive growth. Direct lending, launched this fiscal year, also expanded steadily, reaching 20 branches at the end of the consolidated fiscal year, and the company is considering opening additional branches in stages.」
In the India business, direct lending expanded to 20 branches in addition to lending partnerships. In March 2023, the company obtained an AAA long-term rating from CRISIL Ratings in addition to CARE Ratings. - FY2023-Q3AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., the lending business conducted in partnership with local FinTech companies continued to drive growth, and total cumulative customers across its individual and corporate businesses exceeded 400,000, indicating steady expansion. The company also strengthened its direct lending business, using branches across India, and aims to achieve further growth by diversifying its business model.」
In the India business, cumulative customers exceeded 400,000, and the company progressed from lending partnerships to strengthening direct lending as well. - FY2023-Q2AdvancedAnnual report
「At Kisetsu Saison Finance (India) Pvt. Ltd., the lending business conducted in partnership with local FinTech companies expanded steadily, and the loan balance exceeded the plan.」
At the Indian subsidiary, the lending business conducted in partnership with FinTech companies expanded, and the loan balance exceeded the plan. - FY2023-Q1AdvancedAnnual report
「The funds will be used to finance the businesses of Kisetsu Saison Finance (India) Pvt. Ltd., which operates a lending business in India mainly for underserved individuals and micro, small and medium-sized enterprises, and Saison Capital Pte. Ltd., which makes impact investments mainly in Asia, accelerating the expansion of both businesses.」
The Indian subsidiary’s lending business progressed to a stage where its expansion was accelerated through the raising and deployment of business funds via social bonds. - FY2022-Q3RestatedAnnual report
「Kisetsu Saison Finance (India) Pvt. Ltd. is building its loan balance, primarily through its digital lending business conducted in cooperation with FinTech companies, while closely monitoring the impact of the COVID-19 pandemic in India.」
The Indian subsidiary continued to expand digital lending in cooperation with FinTech companies and build its loan balance. - FY2020-Q3AdvancedAnnual report
「• Kisetsu Saison Finance (India) Private Limited, the company’s Indian subsidiary, began its digital lending business. Under its management vision of achieving financial inclusion through the use of technology and innovation in business models, it will contribute to India’s economic growth.」
The company progressed from the stage of obtaining a Reserve Bank of India license and setting an entry policy to launching the digital lending business through its local subsidiary. - FY2020-Q2First statedAnnual report
「Our Indian subsidiary, Kisetsu Saison Finance (India) Private Limited, obtained a business license from the Reserve Bank of India. Under its management vision of achieving financial inclusion through the use of technology and innovation in business models, it will enter the digital lending business and contribute to India’s economic growth.」
The Indian subsidiary obtained a business license from the Reserve Bank of India and progressed to entering the digital lending business with a commitment to financial inclusion.