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The Bharat

Commerce Platform

Digitally Enabling the Next 500 Million Customers in Rural Bharat

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Pragati Store - A Revolutionary Assisted Ecommerce Platform


With a planned rollout of more than 3,00,000 kirana stores across the country, Pragati Store aims to provide a plug and play model of OEMs and financial service providers to offer their products and services to the rural market. This enables rural customers to access reliable, quality products as well as easy finance and credit facilities within walking distance from their homes.

Can you IGNORE the Rural Potential?

Rural Literacy Rate
GDP Contribution
INR 8060
Avg. Monthly Household Income
  • For the period between July 2020 to March 2021, the rural market expanded at a rate 2x that of urban.
  • Rural FMCG sales grew at 3x compared to the rest of India's growth for period ending Q2 2020.
  • Improving rural demand patterns owing to excellent monsoon season in FY21, as well as higher income levels owing to increasing levels of Minimum Support Price (MSP) and higher levels of MGNREGS allocations by Govt of India for FY 20-21.
  • Increasing number of first time e-commerce shoppers in rural markets.
Electricity for domestic use
Telephone users
Total active Internet users
73% Connected to all-weather roads
75% Internal pucca/brick roads
Households own a television

The Gaps in Rural India


Online shopping - only 5% customers reported access.

Government Services

51% visit Muncipality Office for water bill payment; travel 1-5 km, spending upto 30 minutes.

Consumer Goods

99% rural citizens visit electronic store to buy a mobile phone or other consumer goods; travel upto 20 km, spending upto 2 hours.

Financial Transactions

Bank/ATM visit for cash deposit and withdrawal; travel 5-8 km, spending upto 2 hours.

Utiity Payments

80% of rural citizens travel for electricity bill payment; upto 2-5 km, spending upto 1 hour.

Kirana Stores

88% rural citizens visit kirana store for ration items; travel less than 0.5 km, spending around only 5 mins.

The Main Bharat Commerce Challenges

Rural india has three main challenges when it comes to Market Access

No Access to Consumer Durable Products directly through OEMs

No Access to Financial Services (Like CD Loans) and other facilities

Cost Prohibitive for OEMs/Financial Service companies to set up footprint in these areas

Pragati Stores - Revolutionizing The Bharat Market Landscape!

Pragati Store platform taps into local Kirana Stores and digitally enables them to sell electronics, consumers durable products & financial products to their nearby customers!

  • Single window within a kilometer of their households for all the basic requirements such as-
    • Electronics and Cosumers Durable
    • DTH mobile payments & other bill payments
    • Micro-credit and Insurance services
  • Familiar/trusted vendor selling all products & services
  • A lot more products and services to offer to its customers
  • Company will deliver to kirana store hence, avoiding the travel time to buy additional products from the city
  • Platform-driven zero investment model
  • Increase in customer base
  • Can cater to whole village via single platform
This Creates A Snowball Effect By:

Providing direct access to customers

Pushing more products and services to the Kirana Store via the catalogue app

Capturing wallet share of the rural population

Enabling greater market penetration

Reducing logistics and warehouse expenses on a unit economic level

Robust Technology Platform

Our PAAS is the core of our operations

Store & Agent Management Module

Loan Origination, Aggregration, Assessment & Decision Module

Multi Lender / OEM / Service Provider Integration APIs

Automated Inventory & Logistics Management Module

Route-Optimization with Geo-Tagging rural

Photographic real-time POD (proof of delivery) upload

Where We are

Our Current Presence & Rollout Plan

We are rapidly expanding from a footpoint & offerings perspective.

Total Stores

Phase 01 - Curently Present
650 Stores
Phase 02 - FYI 2021
27,000 Stores
Phase 03 - FYI 2022
1,55,000 Stores
Phase 04 - FYI 2023
3,00,000 Stores
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