Supply chain finance
at institutional scale.
Joint venture of India's 12 Public Sector Banks
The working-
capital gap.
Long payment cycles
Suppliers and vendors wait two to three months for payment against delivered goods and services.
Costly borrowing
To survive the wait, they borrow at punitive rates — eroding margins and the ability to grow.
Inflated prices
Financing costs get baked into invoices. Anchors and the government quietly pay a premium.
Working-capital stress doesn't stay with the supplier. It raises procurement costs, weakens delivery, and pushes capable MSMEs out of the market entirely — leaving supply chains fragile and competition thin.
From weeks of friction to hours of flow.
PSB Xchange replaces every manual hand-off in the lending journey with secure, automated digital workflows.
One rail, four roles, aligned.
PSB Xchange connects the people who need capital with the institutions that provide it. Kritvik is the bridge — sourcing your ecosystem and running onboarding so you never wire up to lenders one by one.
Vendors, dealers & anchors
Companies and their supply partners who need working capital against accepted invoices and trade flows.
Kritvik — sourcing
We bring your companies onto the platform and run onboarding, consent and documentation — with no funds handling.
PSB Xchange
The multi-lender marketplace and technology rail — onboarding, underwriting support, transactions and reporting.
Banks & NBFCs
Participating lenders sanction limits and disburse directly. Repayments flow back to lenders — no pooling.
Beyond a discounting tool —
a financing ecosystem.
TReDS solves one transaction. PSB Xchange runs the whole supply chain — more borrowers, more products, public-sector backing.
Everyone in the chain comes out ahead.
Stronger supply chains, lower procurement cost — at zero charge.
One partner for you, backed by national infrastructure.
Kritvik is your single point of contact. A clear separation of duties keeps financial flows inside regulated banking rails — and keeps governance auditable end to end.
Kritvik Fintex
We bring your ecosystem onto the platform and run onboarding end to end — dossier completeness, consent and stakeholder alignment. No funds handling, ever.
PSB Alliance (PSBA)
The joint venture of India's 12 Public Sector Banks. Mandates the PSB Xchange platform and provides ecosystem context — non-operational.
Estorifi Solutions (ESL)
Runs the platform end-to-end — operations, information security, BCP / DR, incident response, support and reporting under SLA.
Partner with Kritvik — onboard in days, not quarters.
No change to your procurement process. No charges to the department or corporation. Financial flows stay on lenders' regulated banking rails — Kritvik simply unlocks faster, cheaper capital for the partners who power your supply chain.
Talk to the sourcing & onboarding team.
We'll help you scope the documentation set, align stakeholders, and move your vendor ecosystem to go-live.