Real Smart Micro Finance Association has adopted a unique personal and business loan model. Since its inception in 2016, this loan product has been one of Real Smart Micro Finance Association’s main offerings. Through the model, the company aims to add a social touch to credit offering by integrating modern technology into Indian Micro Finance Sector. This essentially meets the credit needs of the lower class people/enterprises by combining the informal credit system’s flexibility, sensitivity, and responsiveness with the strength of formal credit institutions’ technical and administrative capabilities and financial resources.