From Zero to ₹3000 Crore: How Corporates Benefited When a Leading Bank Built Its SCF Program with Vayana

India’s corporate supply chains face a monumental challenge. With MSMEs battling a credit gap of ₹30 lakh crore (~$360 billion) and only 14% of the country’s 64 million MSMEs having access to formal credit, corporates find themselves grappling supply chains where vendors and dealers are perpetually cash strapped. This financing gap creates a domino effect that directly impacts corporate working capital efficiency, buyer and seller relationships, and overall supply chain resilience.

For many corporates, traditional banking relationships don’t offer comprehensive Supply Chain Finance (SCF) Solutions, leaving them to manage SCF challenges through fragmented approaches or leaving suppliers and dealers to fend for themselves in expensive informal credit markets.

Case In Point

A major public sector bank with over $180 billion (₹15 lakh crore) in balance sheet size and 8600+ branches recognized a significant opportunity. Despite serving numerous large corporates across India, the bank had no Supply Chain Finance program to offer its corporate clients. 

The Strategic Decision: Building SCF from Ground Up with Vayana

In 2009, the bank made a pivotal decision. Rather than developing SCF capabilities in-house or partnering with traditional solution providers, they chose to collaborate with Vayana – recognizing that building a world-class SCF program required specialized fintech expertise from day one.

From its 2009 partnership with Vayana and a zero-base launch in 2010, this public sector bank’s SCF program has grown through policy revamp (2020) and digital expansion (2022) to reach $350M+ (₹3000 Cr) by 2025.

Building the Foundation: Corporate-Centric Supply Chain Finance

Starting from zero, the bank and Vayana to design the program specifically around corporate needs across diverse industries – from manufacturing and automotive to electronics, pharmaceuticals, and retail; ensuring scalable solutions that adapt to sector-specific supply chain requirements. A leading electrical & electronics corporate leveraged the Dealer Finance program to extend over ₹100 crore credit limit to 47 dealers, achieving above 50% utilization while optimizing working capital cycles and strengthening dealer relationships. 

The bank’s comprehensive SCF offerings included both Vendor Finance and Dealer Finance programs, enabling corporates to optimize their entire supply chain ecosystem from payables to receivables management.

Purpose-Built SCF Platform

• Corporate Command Center: Unified dashboard for finance teams to manage the full supplier ecosystem
• Seamless ERP Integration: Built-in host-to-host connectivity with major corporate systems
• Automation at Scale: Invoice-to-payment workflows streamlined for efficiency
• Real-Time Intelligence: Analytics and reporting tailored for treasury decisions

Comprehensive Program Architecture

• Vendor Finance: Payables programs enabling extended terms with instant supplier liquidity
• Dealer Finance: Receivables programs helping channel partners expand business
• Corporate-Led Origination: Faster adoption through corporate-driven endorsement
• Full Lifecycle Automation: LMS covering everything from onboarding to disbursement

The Impact: From Zero to Market Leadership

• Scaled from zero to ₹3000+ Cr ($360M) SCF program
• 600% growth in limits over 4 years with 70% utilization
• Vendors accessed affordable bank credit, strengthening supply chains
• Digital onboarding enabled thousands of suppliers quickly
• Transparent processes deepened corporate–supplier relationships

The Success Formula: Why Starting with Vayana Worked 

Starting from zero gave the program a unique edge, no legacy constraints, a modern tech-first foundation, and a corporate-centric design. Backed by the financial strength of this leading PSU bank and Vayana’s SCF expertise, it gained early mover advantage in India’s evolving SCF landscape.

Key Corporate Success Factors

• Unified ecosystem management with full supplier visibility
• Seamless ERP integration driving operational efficiency
• Scalable architecture supporting future growth
• Strong banking and technology partnership for long-term success

This wasn’t just about adding another financing product – it was about creating a comprehensive supply chain financial ecosystem that strengthened corporate competitive positioning while supporting supply chain partner growth and sustainability.

By choosing to build their SCF program with Vayana ground up, corporates gained access to a platform that evolved from zero to ₹3000 crore, demonstrating that when corporates partner with digital-first banks and proven fintech platforms, they don’t just solve immediate financing needs – they create sustainable competitive advantages that transform their entire supply chain ecosystem.