mooPay: Driving financial
inclusion at the grassroots
Where rural livelihoods meet smart finance
mooPay: Driving financial inclusion at the grassroots
Where rural livelihoods meet smart finance
Who we are
Expanding India’s dairy economy
India’s dairy sector is one of the world’s largest economic engines – sustaining 80 million smallholder families, supporting over 300 million cattle, and contributing nearly ₹10 lakh crore to the national economy each year. But behind this scale lies a critical gap: access to finance.
Just 10 percent of dairy credit needs are met by formal institutions and the disparity is even sharper for women – although they make up more than half of the dairy workforce.
The opportunity is vast. The need for change is urgent. mooPay is purpose-built to unlock credit access across this entire hierarchy.
Farmer ecosystem
About mooPay
mooPay is a rural-first fintech platform dedicated to unlocking financial access for India’s 80 million dairy farmers – a community often excluded from formal credit systems. By embedding our services directly within the dairy value chain, we offer tailor-made financial products such as cattle purchase loans, farm improvement credit, agent banking, and insurance – all delivered at the farmer’s doorstep.
Backed by strong on-ground presence, deep dairy integrations, and a tech-powered operating model enabled by its parent company and co-subsidiaries, mooPay bridges the last-mile financial gap in rural India, with trust, empathy and impact at the core.
Our vision
To build India’s first rural neobank that empowers every dairy farmer with access to timely, transparent, and tailored financial services.
Our mission
To solve for rural credit access by embedding lending, banking, and insurance into the dairy value chain – driven by technology, data and deep local engagement.
Our commitment
Simple
We eliminate complexity from the process. No paperwork, no branch visits – just easy, intuitive access to finance through local Relationship Managers.
Seamless
From eligibility to disbursement, our digital-first systems and data-driven processes ensure speed, precision and a frictionless experience.
Secure
With robust checks, video verification, and proprietary underwriting (mooScore™), we prioritize reliability and risk control for both farmers and financial partners.
Whom we serve
Dairy farmers
- Access to loans, insurance, and banking at the doorstep
- Friendly Relationship Managers for onboarding and support
- Simple process, fast approvals, and doorstep servicing
Dairy institutions
- End-to-end execution of credit and banking services
- Dairy-integrated credit that builds trust with farmers
- Strong field presence and repeat engagement
Lending partners
- High-performing rural loan book with robust risk controls
- Tech-driven underwriting with mooScore for reliable decisioning
- Transparent operations, governance, and reporting
Meet the team
Leadership
Ganesh
Nagarajan
CEO and MD
Visionary leader with 27+ years across FMCG, development finance, and agri value chains; currently spearheading mooPay as CEO & Managing Director.
Former SVP at Samunnati, he blends business acumen with grassroots experience to scale inclusive rural credit solutions.
Thyagarajan Subramanian
Director
Veteran banker with 39 years at RBI, bringing deep expertise in rural finance, regulation, and financial inclusion to mooPay’s board. Former GM at RBI and advisor to Samunnati, he is a trusted policy voice with decades of leadership in advocacy, compliance, and capacity building.Core team
Mahadeva
Business
Leads business expansion, collections, and field operations across South India’s rural lending network.
Krishna Pratap Singh
Business
Oversees credit growth and portfolio health across North India’s rural lending operations.
Gopala Krishna
Collections
Heads collections strategy and recovery operations across South India, driving digital efficiency and field performance.
Umang Gupta
Strategy and Partnerships
Drives strategy, partnerships, and portfolio growth across lending ecosystems.
Rupa Madhavi
Customer Engagement
Leads farmer-facing engagement and ensures seamless service across rural touchpoints.
Core values
Built for impact. Driven by purpose.
I
Inclusion
We serve those excluded from traditional finance.
M
Meaningful Innovation
Tech that’s built for the field, not just the boardroom.
P
Partnerships
We grow by collaborating with banks, dairies, insurers, and communities.
A
Accountability
We own outcomes in disbursement, recovery, and impact.
C
Customer
Centricity
Our products are designed with the rural farmer at the center.
T
Trust
We earn it every day, with every loan, every field visit.
Our presence
Scaling footprint while preserving portfolio quality
Current presence
Expansion plans