What is GST Sahay?
GST Sahay is a digital lending solution that enables instant working capital for micro and small enterprises, without collateral.
Built on the OCEN framework and integrated with India Stack and Account Aggregator, it offers a completely paperless and presence-less financing experience.
LAUNCH OF GST SAHAY- CREDIT PROGRAM FOR JAK test
Honoured with a “Certificate of Appreciation”
Mr. Bipin Kevadia, CMD of Ethics Group of Companies, has been honoured with a “Certificate of Appreciation” for his extensive support and involvement in the launch of the credit programs aimed at empowering Pradhan Mantri Jan Aushadhi Kendra operators.
Jan Aushadhi Kendra operators across the country
The initiative marks an important step towards strengthening financial support and enabling greater access to credit for Jan Aushadhi Kendra operators across the country.
Guaranteed and hassle-free credit support ecosystem
This milestone marks an important step towards building a guaranteed and hassle-free credit support ecosystem for Jan Aushadhi Kendra operators and strengthening their access to formal financial services.
SIDBI’s Credit Assistance Program for Jan Aushadhi Kendras
We, at Ethics Group of Companies, a proud Operational Partner of Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP), are thrilled and proud to announce the launch of SIDBI’s Credit Assistance Program for Jan Aushadhi Kendras, done by Shri Mansukh L. Mandaviya, Minister – Ministry of Health, on 12th March 2024 in New Delhi.
Benefits to MSMEs
Speed & instant access to liquidity
No collateral, no hassle
Inclusive financing for micro enterprises
Transparent, consent-driven data sharing
Scalable, lender-agnostic platform
Key Features

On-Tap Invoice-Based Financing

Finance GST invoices instantly with no security

100% Paperless & Digital Journey

Collateral-free, unsecured small-ticket loans
GST SAHAY PLATFORM
Key Features
- Real-time loan approval and disbursement
- GST invoices as the basis for eligibility evaluation
- Fully digital and API-integrated with GSTN and lenders
- Consent-based GST data access
- 100% paperless, collateral-free process
- Financing available against individual invoices
- Short-term working capital support for MSMEs
- Integration with multiple banks, NBFCs, and fintech lenders
- Competitive interest rates with faster credit delivery
- Promotes formal credit inclusion for small businesses
Feature Summary
Quick liquidity
Paperless workflow
Convenience & speed
GSTN & credit data integration
Reliable eligibility
RBI Sandbox tested
Proven compliance
OCEN enabled
Multi-lender scalability
India Stack tools
Faster approvals
MSME focus
Financial inclusion


