tvam the word, is Sanskrit for “you”. The “you” in this case is our customer/consumer. The philosophy and product have been evolved around the consumer and will continue to evolve in consultation with consumer. In fact, the product tagline is “imagined around you” tvam is a one stop solution with following features: • tvam UPI: It facilitates safe, easy & instant digital payments through your mobile phone. All you need to do is link your bank account on this app with your registered mobile number and start the experience. You can send money, receive money from your contacts. You can transfer money instantly to any customers using UPI ID. You can check your account balance and add multiple bank accounts. UPI ID: UPI ID is a unique ID that is used to make UPI payments in place of bank account details. UPI PIN: UPI PIN is like your Debit Card PIN number, a 4- or 6-digit number which needs to be set by you while creating your UPI ID. For all your UPI transaction UPI PIN is necessary. Please don’t share your PIN • Business Loans for Small Merchants: Easy, minimum paperwork and affordable • Health Insurance: Curated health insurance products for rural and urban customers • Accidental Insurance: Secure your family at an affordable price • Displaying Bank Balance: Balances of your all bank accounts in a same app based on your SMS • Online Doctor Consultation (Telemedicine): Consult with best doctor from the comfort of your home (audio & video call) • Digitalize Business Transactions: Keep an online ledger of your sales, purchase, stocks, and debtors. Generate different reports. • Tailored made information on Government schemes, subsidy schemes, scholarships, business opportunities, agriculture inputs, health blog etc. based on customer’s profile. We work with more than 20+ business partners include leading public and private sector banks, NBFC, insurance companies etc. Our operation span over 22 states of India.