tvam: UPI, Health & Wealth 3.5.11

The term "tvam," derived from Sanskrit, translates to "you," embodying the essence of customer-centricity within the brand's philosophy. The development of tvam's offerings is not only centered around consumer needs but is also committed to ongoing evolution based on customer feedback. The product tagline, "imagined around you," encapsulates this ethos perfectly.

Tvam presents itself as a comprehensive solution, featuring a range of functionalities:

• tvam UPI: This feature enhances the payment experience by facilitating secure, convenient, and instant digital transactions via mobile devices. Users can link their bank accounts with their registered mobile numbers to send and receive money effortlessly. Instantly transfer funds using a UPI ID, check account balances, and manage multiple bank accounts within the app.
• UPI ID: A unique identifier used for making UPI payments that replaces traditional bank account details.
• UPI PIN: Much like a Debit Card PIN, this is a 4- or 6-digit code set by the user upon creating their UPI ID. It is essential for secure transactions and should be kept confidential.
• Business Loans for Small Merchants: Tvam provides a streamlined process with minimal paperwork, offering affordable financing options for small businesses.
• Health Insurance: A selection of curated health insurance products designed for both rural and urban clientele.
• Accidental Insurance: Affordable plans aimed at securing family welfare in the event of an accident.
• Bank Balance Display: Users can view the balances of all linked bank accounts consolidated within a single application, leveraging SMS data for accurate reporting.
• Online Doctor Consultation (Telemedicine): Access qualified medical professionals from home through audio and video consultations.
• Digital Business Transactions: Maintain an online ledger that tracks sales, purchases, stocks, and debtors, while also generating various reports for business analytics.
• Tailored Information on Government Schemes: Personalized insights on subsidies, scholarships, business opportunities, and more based on individual customer profiles.

Tvam collaborates with over 20 business partners, including prominent public and private sector banks as well as insurance companies. Its operational reach extends across 22 states in India, highlighting its robust presence in the financial ecosystem.