Problem

SaveIN addresses the affordability and access gap in India’s largely out-of-pocket private healthcare market. When insurance does not cover outpatient, elective, or wellness needs, patients may delay or compromise care because a dental procedure, dermatology treatment, fertility service, mental-health consultation, or elective surgery requires a large upfront payment. The core use case is enabling a patient to receive necessary or aspirational care now while spreading the cost over manageable monthly instalments.

The same affordability friction affects other high-value purchases, including travel, furniture, consumer electronics, and lifestyle services. For providers, an inability to offer convenient financing can reduce conversions and average order values; SaveIN’s B2B2C model is designed to remove that payment barrier at the point of purchase.

Product / Service

SaveIN is an embedded-finance and Pay Later platform connecting consumers with healthcare practices and other merchants, while arranging credit through lending partners rather than lending directly itself. At checkout or at the point of care, a customer can apply digitally—often through a QR code—and select a no-cost or low-cost EMI plan. The platform advertises credit limits of up to ₹10 lakh, zero down payment, approval in about 30 seconds, and repayment over three, six, nine, or twelve EMIs; partner lenders make the final underwriting decision and the customer is shown the applicable loan terms.

For healthcare practices and other merchants, SaveIN provides digital checkout finance, upfront payment facilitation, and a lender-matching architecture intended to improve approval rates, conversions, and order values. Its healthcare offering has expanded into employee wellness through welUp, while the broader platform now supports categories such as travel, home décor, consumer durables, lifestyle, and insurance premiums. SaveIN earns commissions from partner merchants and providers, with lending revenue and credit risk residing with its lending partners.

Market

SaveIN competes in Indian healthcare fintech, point-of-sale financing, embedded finance, and BNPL/Pay Later. Its closest healthcare-financing comparables identified in the research are CarePay and Medscred; broader consumer-finance alternatives include Fibe, Slice, and ZestMoney. The company has also moved beyond healthcare into a wider multi-domain checkout-financing market, illustrated by its partnership with SOTC Travel for zero-interest holiday-booking EMIs.

SaveIN is not pre-revenue. Y Combinator lists it as an active company founded in 2022, and the company reported more than 5,000 healthcare practices in its network; its current site advertises 7,000-plus merchants. Reported FY25 traction includes a 250% revenue increase, more than five lakh customer applications processed, and roughly ₹500 crore in annual no-cost EMI volume for healthcare services. It raised ₹37 crore in 2025, taking reported total funding above ₹100 crore, and management said the business had been unit-economics profitable for more than a year while targeting organisational break-even in FY26.