№ 01Practice Cochin · Est. 2013

Inclusive finance, practiced quietly.

№ 02About

A small firm with a long memory.

Avallark Services LLP is a boutique consultancy in inclusive finance. We work with a small number of clients each year — banks, NBFCs, microfinance institutions, multilateral agencies — and stay with them for as long as it takes.

Our remit spans digital transformation, programme design, market research and regulatory practice. We are most useful when the question is hard, the constraints are real, and the stakes are people rather than dashboards.

  • Strategy & programme design
  • Digital transformation
  • Market & impact research
  • Regulatory & policy advisory
  • Third-party evaluation
  • Capacity building
3rd-party
Evaluator for MFIN, India's microfinance self-regulator — assessing responsible-finance practice.
18yrs
Combined practice across financial inclusion, development finance and rural enterprise.
40+
Engagements with banks, NBFCs, MFIs, multilaterals and development agencies.
2×
ISO-certified — 9001:2015 quality management and ISO/IEC 27001:2022 information security.
№ 03Practice

Four ways we make ourselves useful.

01Lead practice

Digital transformation for institutions with thin margins and thick obligations.

Most of our work begins here: helping a bank, NBFC or MFI design and deliver technology that meets the constraints of last-mile delivery — patchy connectivity, low-literacy users, regulators who are paying attention, and unit economics that have to survive the journey from city office to village doorstep. We design the programme, choose the architecture, and stay through the rollout.

Increasingly, both the process and the build are AI-driven — machine intelligence in document handling, credit operations and customer conversation; machine-assisted development that delivers in weeks what once took quarters. We adopt it where it measurably pays, and nowhere else.

  1. 02
    Programme design

    Strategic programme development for measurable social and financial outcomes.

  2. 03
    Market research

    Feasibility, segmentation and field study to inform decisions before they harden.

  3. 04
    Regulatory practice

    Compliance, supervision response and policy advisory for financial institutions.

№ 04Clients

Quiet work, for organisations that matter.

Multilateral agency

Collaborative development of financial-inclusion frameworks and digital transformation initiatives for emerging markets in India.

International development

With Opportunity International on agent-network development and digital financial services in underserved communities. Earlier work with Habitat for Humanity International on housing finance and community programmes.

Financial service providers

Long engagements with banks, NBFCs, agri-finance companies and MFIs — strategy, business-model work, digital transformation and capacity building.

Responsible finance

Third-party evaluator for MFIN, India's microfinance self-regulator, assessing responsible-finance practice. Standing collaborations on client-protection standards in the inclusion space.

№ 05Products

Two things we make.

Learning

Bodhi.

A scalable, cloud-based LMS for organisations in financial inclusion. Agent training, compliance certification, multilingual delivery — built for low bandwidth and the people the rest of the internet forgot.

Explore Bodhi
Compliance

POSH Ready.

End-to-end POSH compliance for Indian employers — training, certification, internal-committee management and annual reporting in a single portal. From zero to fully compliant, often inside two hours.

Explore POSH Ready
№ 06Contact

Write to us. We answer in full sentences.

Office
Cochin,
Kerala · India
Correspondence
contact@
avallark.com
Telephone
+91 484 350
4524