ITIKA

CSR professional | Development Management | Young India Fellow

[Trifecta Capital @trifectacapital]

A smallholder farmer in Maharashtra, a dairy owner in Bihar, or a tailor running her own business may have steady cash flows and loyal customers. Yet three in four rural adults in India still rely on informal credit because conventional models struggle to assess seasonal or undocumented incomes.

That is the gap Kaleidofin set out to solve.

Its AI-based credit scoring model, ki score, analyses more than 1,500 data points to identify borrowers traditional underwriting can miss. Around it, Kaleidofin has built products across nano business loans, agri and dairy finance, women-owned enterprises, and insurance. Its NBFC now operates across 15 states, with roughly 60% of customers in rural India.

We supported Kaleidofin through Trifecta Capital’s venture debt vertical in 2024, helping strengthen its balance sheet and fund lending growth.

The impact so far:

→ 12.3 million+ customers credit-scored using AI
→ $11.32 billion+ in credit enabled across four countries
→ 21% income growth for the smallest enterprises
→ 145% growth in Udyam registrations

That access to credit is also translating into business growth. A two-year study by LEAD at Krea University and the Michael & Susan Dell Foundation, tracking 2,200+ nano enterprises across seven states, found that more than a third of the smallest businesses moved into a higher turnover bracket.

Kaleidofin is one of the case studies in our Impact Report 2026 - Capital with Purpose.

To read more about Kaleidofin’s impact, along with other stories from across our portfolio, download the full report here - https://t.co/bLVznGgiS0

[Hardik @Hardik187753]

STOP AI FROM HALLUCINATING and make it edit exactly what is required to be edited. Use ChatGPT 2.5 inside https://t.co/uJaog4MNFU

[Hardik @Hardik187753]

Launching https://t.co/RsoCZ1fx9D - we handle the AI part, so that you can focus on high-quality content.

Almost a year back, we took a plunge that AI film-making for Enterprises will not be about getting one-time generation or editing right, it will be about understanding and productizing how the entire ecosystem comes together and ensures every single element is exactly how it is expected to be - from generation to editing to refining.

So taking on that challenge, we launched Lemonpeel.

Go try out our studio - https://t.co/eC4QgBJr0b

[ITIKA @ITIKA03]

@drm_dli @RailwaySeva I could not reach on time for a very important family function. Request you to issue a refund. I’ve already filed TDR.

[ITIKA @ITIKA03]

@RailMinIndia @RailwayNorthern @AshwiniVaishnaw premium #VandeBharat train has been standing for over 2 hr due to a technical fault near Samalkha. Such delays are unacceptable with no info on next steps. Please improve reliability—passengers deserve better! Else what’s the point

[ITIKA @ITIKA03]

@drmbct @RailwaySeva Here is the ticket. I really hope some action will be taken.

[ITIKA @ITIKA03]

Utterly disappointed with my recent train (12267) journey (MMCT-ADI) — the berth was infested with bed bugs. I’ve ended up with painful rashes all over my skin. This is unacceptable in 2025. @RailMinIndia @WesternRly @RailwaySeva No passenger should have to go through this.

[ITIKA @ITIKA03]

@EaseMyTrip what kind of customer service are you providing? This is really bad!!! This is why we’ve completely stopped using your platform because we’ve heard of this as one of the many other incidents.

[ITIKA @ITIKA03]

@1mgOfficial I cancelled order bcz ur team was not confirming if they can deliver it. Here is my order ID. It's easier to get facewash on time but not medicine. Your team told you don't have an inventory and hence you are never sure if you'll be able to deliver on time. Then don't confirm it.

[ITIKA @ITIKA03]

Pathetic customer service @1mgOfficial After confirming they'll deliver medicine by 5pm, not only did they not deliver, they didn't even inform that it might get delayed. I had to chat with their team for 30min finally cancelling it. We get facewash on time but not medicine here.

[ITIKA @ITIKA03]

State of e-ricks in Karnal is bad. Today got one from train statn for which he said he'll take me 1st but will charge more. Later he took me to a different location, then dropped me for very high price. On asking to drop me on the way he didn't stop. @DCKarnal please take action

[ITIKA @ITIKA03]

@SwiggyCares Sure. Will order from swiggy next when I'll know that you've shifted to a more sustainable delivery option.

[ITIKA @ITIKA03]

With this war for market share of grocery home delivery - our environment is getting killed!
But do you care?? @SwiggyInstamart @Swiggy

Does a fruit require this much packaging? What is your solution to dealing with the amount of plastic waste that you are generating?? #swiggy

[ITIKA @ITIKA03]

@SwiggyCares Hi Ali, thanks for sharing this. But I would still suggest that swiggy saves cost and hand over products without any packaging whenever possible. Some products you won't be able to avoid but atleast for fruits and vegetables, you'll be able to manage.

[ITIKA @ITIKA03]

@SwiggyCares Hi Raghav, this is no solution to my questions. I request you to address my concern by sharing how you're going to change your packaging to not harm our environment. Learn something from Big Basket. They just hand over things and not pack them in plastic!!!

[ITIKA @ITIKA03]

@SwiggyCares Not sure what you're gonna do with this ID but here you go.

Please share how you plan to make changes to reduce the amount of plastic waste you are generating!!

[ITIKA @ITIKA03]

Wordle 247 3/6

@Monil_Khatri
Beat this 🙃

@nytimesbooks
⬜🟨🟨⬜⬜
⬜🟨🟨⬜🟨
🟩🟩🟩🟩🟩

[ITIKA @ITIKA03]

@HealthiansHelp Yes they reached out.

[ITIKA @ITIKA03]

@HealthiansHelp I've DMed you the details