🧠 Introduction:
The local kirana store—the heartbeat of every Indian neighborhood—is no longer “small.”
Thanks to UPI, digital ledgers, instant credit, and online payment systems, kiranas are thriving like never before.
From selling groceries to managing payments via QR codes, today’s small shopkeeper is a tech-savvy micro-entrepreneur.
📈 1. The Rise of the Digital Kirana
The digital shift was accelerated by:
The UPI boom
Pandemic-led cashless transactions
Easy access to affordable smartphones
Rise of apps like Khatabook, PhonePe, Paytm Business, and more
💡 India has over 12 million kirana stores, with 30% now digitally enabled and growing fast.
💸 2. What’s Changing for Kirana Owners?
| Before | Now |
|---|---|
| Cash only | UPI, QR code, digital wallets |
| No customer records | Digital ledgers (Khatabook, OKCredit) |
| Credit only on trust | Tech-backed customer history |
| Zero online presence | WhatsApp orders, Google Business listings |
| Manual inventory | Digital stock tracking apps |
💡 3. How Kiranas Are Making More With Digital Tools
Faster transactions = more customers served
Digital credit from fintechs (like Vizzve) for restocking
Data-backed loans with higher approval odds
Loyalty apps and coupons for retention
Real-time visibility of business performance
Kiranas using digital tools report 20–30% rise in monthly income
🧾 4. How Vizzve Helps Small Businesses Thrive
🟢 Short-term working capital loans
🟢 Instant credit approvals based on transaction history
🟢 No collateral required
🟢 Lower interest than informal borrowing
🟢 Seamless repayment via UPI/auto-debit
At Vizzve, we make small businesses big players in India’s digital finance story.
Empower your shop with digital growth tools.
Let Vizzve give your kirana store the capital it deserves.
🏪 Apply now and grow with confidence.
❓FAQs
Q1. Can small shops get digital loans without visiting banks?
Yes. With platforms like Vizzve, kiranas can apply online, get approved instantly, and receive money directly in their UPI-linked account.
Q2. How does UPI help kirana stores grow?
UPI makes transactions faster, safer, and transparent—essential for building creditworthiness and scaling customer experience.
Q3. Does Vizzve work with local vendors and micro businesses?
Absolutely. Vizzve is committed to uplifting India’s micro-entrepreneurs with affordable, digital-first lending options.
Published on :July 29th
Published by : Kaushik
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed