121 Finance

15/08/2026

A journey of courage, resilience and progress.

From the foundations laid by our freedom fighters to the opportunities shaping a new India, our nation continues to move forward with purpose.

This Independence Day, we celebrate the spirit that keeps India growing and the collective ambition that will shape its future.

Here’s to a stronger, more inclusive and prosperous India.

Happy Independence Day! 🇮🇳

17/07/2026

Thank you for acknowledging lending partners like us on GeM Sahay.

We're delighted to see more success stories showcasing how timely access to working capital empowers MSMEs to seize larger opportunities and accelerate growth.

MSME – My Sweat is My Equity

04/07/2026

अपने GeM Purchase Orders को वर्किंग कैपिटल की कमी के कारण रुकने न दें।

GeM Sahay के साथ पाएं:
✔️ ₹25 लाख तक का लोन
✔️ Purchase Order वैल्यू का 80% तक लोन
✔️ कोलेटरल-फ्री फाइनेंसिंग

GeM Sahay- आसान फाइनेंसिंग के साथ कारोबार को दें नई गति।

आज ही अपनी GeM Seller Profile में GeM Sahay एक्टिवेट करें।

Google Play Store, Apple App Store और Web Application पर भी उपलब्ध।

Ministry of Micro, Small and Medium Enterprises,Government of India Department of Commerce, GoI Laghu Udyog Bharati State Bank of India Small Industries Development Bank of India 121 Finance GetVantage IDBI BANK

25/04/2026

Unlock collateral-free financing against your GeM Purchase Orders and keep your business moving without cash flow constraints.

Turn your GeM orders into instant working capital with GeM Sahay.

With 3,000+ companies and firms already onboarded and ₹37 lakh+ disbursed, businesses are unlocking faster growth and seamless ex*****on.

Registrations are now open for companies and firms.

Apply now and take the next step in your growth journey.

Activate GeM Sahay directly from your GeM Seller profile.

Ministry of Micro, Small and Medium Enterprises,Government of India Department of Commerce, GoI Laghu Udyog Bharati

18/04/2026

? 121 Finance is the First NBFC to onboard on GeM Sahay, enabling seamless access to Working Capital for GeM Sellers.

Unlock collateral-free financing against your GeM Purchase Orders and keep your business moving without cash flow constraints.

10/04/2026

The hardest problem in MSME lending was never credit risk.

It was trust infrastructure.

A seller with a confirmed Government purchase order is arguably one of the most creditworthy borrowers in the country. The order exists. The buyer is the Government of India. The payment will come.

And yet — for years — that seller couldn't unlock a single rupee against that order to actually fulfil it.

This is the problem GeM Sahay was built to solve. And it's a genuinely remarkable piece of financial infrastructure when you understand what's actually happening under the hood:

→ Real-time, digital, pre-shipment lending
→ On the basis of a live Purchase Order
→ With repayment held in escrow by the Government itself
→ Zero collateral. Entirely paperless.

To my knowledge, this is the only product of its kind in the world for B2B lending at this scale.

I've had the honour of working with the Government e Marketplace (GeM), ProductNation/iSPIRT, OCEN and Perfios Software Solutions Pvt. Ltd., Shreshth Vats in helping build and shape this ecosystem from the early days — and watching it evolve has been one of the most intellectually rewarding experiences of my career.

This was a conviction of Sharad Sharma, who is a man with a mission and OCEN team of Rahul Bhaik Sagar Parikh. Ravi Modani

Today, with State Bank of India and SIDBI(Small Industries Development Bank of India) formally onboarding as lenders, the ecosystem is entering a new chapter.

At 121 Finance Pvt. Ltd. Finance, we've been here since the beginning —
and have had the privilege of being the largest lender on GeM Sahay. The numbers are still early-stage for a market this large, and that's precisely the point: ₹7.5+ Crore across 2,200+ loans to 300+ MSMEs is a proof of concept that the model works — the repayments, the trust, the plumbing — before the real scale begins.

OCEN was always a thesis about moving credit to where MSME commerce happens. GeM Sahay is proof that it can.

More lenders. Faster access. Zero collateral.

GeM is expanding access to finance like never before.

With SBI & SIDBI joining the GeM Sahay ecosystem, financing is now quicker and more seamless than ever.

Scale your business without barriers.

Activate GeM Sahay on your seller profile to get started.

*All data as on 31st March, 2026.

State Bank of India Axis Bank IDBI BANK 121 Finance
GetVantage Small Industries Development Bank of India

21/03/2026

GeM Sahay enables sole proprietors to unlock quick, collateral-free working capital against their active GeM product purchase orders.

Get started in 2 simple steps:

1️⃣ Log in to your GeM Seller Profile
2️⃣ Activate GeM Sahay

Don’t let lack of funds slow your orders, ensure seamless cash flow and keep your business moving.

State Bank of India Axis Bank IDBI BANK 121 Finance
GetVantage

14/03/2026

02/03/2026

Wishing you a Holi filled with vibrant colors, joyous laughter, and unforgettable moments!

May this festival paint your life with new shades of positivity and hues of happiness.

27/02/2026

🔊Massive opportunity for sole proprietors on GeM✨

With GeM Sahay, unlock quick, collateral-free working capital against your active product purchase orders.

1️⃣ Log in to your GeM seller profile
2️⃣ Activate GeM Sahay

Don’t let orders wait, ensure seamless cash flow and keep your business moving.

State Bank of India Axis Bank IDBI BANK GetVantage 121 Finance