UPICON Authorised Channel Partner

Bridging India's
last mile —
one MSME at a time.

ScaleUP RuralTech connects MSMEs, artisans and gig workers across Uttar Pradesh — and expanding states — with financial access, digital markets and AI-powered tools.

Financial Access
Market Access
Digital Enablement
Our Strategy → View Roadmap →
ScaleUp Rural
Digital Rural Inclusion
OSEM Platform Youth Adda CBFSP Certified UPICON Partner SEBI VCF Backed
Uttar Pradesh
Live · Eighteen Clusters
Jharkhand
Active Rollout
Odisha
Planned Expansion
Bihar
Planned Expansion
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Who We Are

Digital Enablers &
Scalers for Bharat

ScaleUP RuralTech Private Limited is the formally authorised Channel Partner of UPICON — Uttar Pradesh Industrial Consultants Limited, a Government of UP CAG Public Sector Undertaking established in 1974. Operating under a formal partnership agreement, we are mandated to advance digital and financial transformation for MSMEs across Uttar Pradesh and beyond.

As a licensed Credit and Banking Facilitation Service Provider (CBFSP) under RBI guidelines, we deploy the OSEM platform and Youth Adda phygital network to create systemic change across India's most productive MSME cluster corridors.

Co-invested by Cogniphy Angel Fund (SEBI-registered Category I Venture Capital Fund) and ScaleUp InfraTech, our governance uniquely combines UP government institutional authority, seasoned technology entrepreneurship and disciplined venture capital oversight.

GST: 06ABRCS0247G1Z8 Gurgaon, Haryana msmeosem.in youthadda.in RBI CBFSP Compliant
🏛️
Institutional Anchor
UPICON — CAG PSU, Govt. of Uttar Pradesh, Est. 1974
💼
Co-Investors
Cogniphy Angel Fund (SEBI Cat. I VCF) & ScaleUp InfraTech
🗺️
Programme Horizon
Eighteen months — March 2026 through August 2027
📡
State Operations
UP Live · Jharkhand Active · Odisha & Bihar Planned
Our Purpose

Vision & Mission

The north star that drives every platform we build and every cluster we activate across India.

🔭
Vision

A self-sustaining digital economy for every Indian MSME

A future where every entrepreneur, artisan and gig worker across India has frictionless access to capital, markets and AI tools — regardless of geography, language or digital literacy. We start in Uttar Pradesh. We don't stop until every state is covered.

🎯
Mission

Deploy integrated digital platforms across India's MSME clusters

Deploy OSEM financial access and Youth Adda phygital market access across UP's eighteen MSME clusters — then systematically replicate the proven model into Jharkhand, Odisha and Bihar through UPICON's institutional relationships and our investor network.

Strategic Anchor

Partnership with UPICON

A formal partnership with Uttar Pradesh's premier industrial consultancy gives ScaleUP RuralTech unmatched institutional reach and government authority.

UPICON
CAG PSU · Est. 1974
Uttar Pradesh Industrial
Consultants Limited
Govt. of Uttar Pradesh

UPICON formally authorises ScaleUP RuralTech to execute across four core mandates — giving us the institutional weight of a Government of UP body with the agility of a private-sector technology company.

1
Utilise OSEM, Youth Adda, UPICON brand and infrastructure for MSME digital and financial transformation across Uttar Pradesh and beyond
2
Appoint and manage banking partners — HDFC Bank, RBL Bank, Kotak, Hero FinCorp and NBFCs — under the UPICON/OSEM mandate
3
Operate as Credit and Banking Facilitation Service Provider (CBFSP) under RBI guidelines — customer acquisition, loan facilitation, underwriting and financial literacy delivery
4
Enter formal Agreements and MoUs with third-party partners and institutions; all partners require UPICON prior approval before onboarding
How We Win

Three Strategic Pillars

Every MSME needs capital to start, a market to sell into, and digital tools to grow. We deliver all three through one interconnected ecosystem.

01
💳
Financial Access

Multi-lender credit facilitation as CBFSP under RBI guidelines. Scheme access, Karigar Credit for artisans, GIGA Credit Card for gig workers and district Finance Mitras — capital for every MSME on fair terms.

HDFC BankRBL Bank KotakHero FinCorp SIDBIKarigar Credit PMEGPCGTMSE
02
🛒
Market Access

End-to-end digital commerce for ODOP products — ONDC, GeM and major marketplaces from one OSEM dashboard. GI product export enablement for international buyers across the Middle East, UK and USA.

OSEM MarketplaceONDC GeM ProcurementGI Products Export ReadyB2B Linkages
03
⚡
Digital Enablement

The YOUTHADDA phygital network of Digital Experience Centres powered by Qubelabs Agentic AI — giving every MSME a website, AI chatbot and e-commerce store with zero coding required.

YOUTHADDAQubelabs Agentic AIWhatsApp Bot No-code Tools
What We Do

Four Core Service Lines

An integrated stack that delivers financial inclusion, market connectivity and digital capability to every MSME we serve.

01
Financial Enablement via OSEM — CBFSP
Banking partners HDFC Bank (trade finance and GIGA Credit Card for gig workers), RBL Bank, Kotak Mahindra and Hero FinCorp, alongside NBFCs including SIDBI, NABSamruddhi, L&T Finance and Tata Capital, deliver collateral-free MSME lending through OSEM. Government schemes accessible on-platform include Mudra, PMEGP, CM Yuva and CGTMSE with Udyam API and GST-based digital underwriting. Karigar Credit provides collateral-free artisan loans for GI-tag clusters — Varanasi Silk, Lucknow Chikankari, Moradabad Brass and Gorakhpur Terracotta. District Finance Mitras conduct monthly financial literacy camps alongside PM Vishwakarma portal integration and SHG/NRLM batch underwriting.
02
OSEM Marketplace
Digital storefronts for all eighteen UP clusters with ODOP product catalogues, GST invoicing, integrated payment gateway and last-mile delivery. ONDC integration enables simultaneous listing on Flipkart, Meesho, Amazon and Jio Commerce from a single dashboard. GeM Facilitation Cells across Agra, Kanpur, Varanasi, Lucknow, Moradabad and Noida serve government procurement onboarding. GI Product Export Programme provides IEC/RCMC facilitation, multi-language listings and international buyer matchmaking.
03
Youth Adda Community Network
Eighteen cluster-specific chapters deliver member directories, B2B referral tracking, paid trade meets and sponsored advertising. Annual membership creates a financially self-sustaining community within twelve months — revenue shared between cluster associations and the UPICON/ScaleUP management platform. Quarterly Cluster Trade Meets and annual UP MSME Trade Exhibitions in Lucknow and Delhi NCR connect buyers, exporters and MSME operators across the entire ecosystem.
04
OSEM Agentic AI — Qubelabs Open-Source Stack
No-code drag-and-drop toolset comprising Website Builder, AI Chatbots on WhatsApp, web and Instagram in Hindi and English, and E-commerce Stores with GST invoicing — all deployable without technical skills. Agentic AI Operators autonomously monitor GST deadlines, Udyam renewal and credit scores, pushing proactive alerts directly to MSME owners. White-label deployment available for cluster associations via Qubelabs open-source licensing.
Geographic Footprint

Four-State Transformation Corridor

The UP programme is the proven blueprint — systematised and ready for replication across every major MSME corridor in eastern and central India.

Uttar Pradesh
Live · Eighteen MSME clusters · From Agra leather to Varanasi silk
Live
Jharkhand
Active rollout · Tribal artisan clusters · JSLPS SHG linkages
Active
Odisha
Planned FY 2026-27 · Sambalpuri textiles · Pattachitra crafts
Planned
Bihar
Planned FY 2026-27 · Madhubani art · Bhagalpur Silk · Agro-processing
Planned
✔ Live
Uttar Pradesh
Eighteen prioritised MSME clusters
AgraVaranasi LucknowKanpur MoradabadNoida GorakhpurAligarh +10 more
Active Rollout
Jharkhand
Tribal craft · industrial · agri clusters
RanchiDhanbad JamshedpurHazaribagh Dumka
Planned
Odisha
Heritage crafts & coastal clusters
BhubaneswarCuttack PuriSambalpur Rourkela
Planned
Bihar
Art, silk & agro-processing clusters
PatnaGaya BhagalpurMuzaffarpur Darbhanga
Implementation Timeline

Three Phases — Four States

A deliberately sequential approach — each phase builds the infrastructure for the next, from foundation to full national scale.

Phase 1 Foundation UP · March – May 2026

Build governance, technology, banking partnerships and activation infrastructure. Create the launchpad for all subsequent phases.

Banking Partners Onboard
HDFC, RBL, Kotak + NBFCs
OSEM Marketplace Live
Payment gateway · last-mile delivery
Youth Adda — Eight Districts
Agra · Kanpur · Varanasi · Lucknow · Moradabad · Noida · Gorakhpur · Aligarh
Jharkhand MoU
Cluster mapping · state agency engagement
Phase 2 Acceleration — UP Full Scale + Jharkhand June – November 2026

Scale across all UP clusters, activate credit pipelines, drive first measurable outcomes. Launch Jharkhand pilot and scope Odisha and Bihar.

All Eighteen Youth Adda Centers
Full OSEM access & community live
First Credit Disbursals
MSME loans · Karigar Credit pilot
ONDC + GeM Scale
MSME sellers · GeM cells active
Jharkhand: Five Districts
Centers live · tribal SHG credit
Odisha & Bihar Scoping
IPICOL / BSIDC outreach
Phase 3 Growth & Scale — All Four States December 2026 – August 2027

Self-sustaining scale across UP; Jharkhand full state coverage; Odisha and Bihar launches. Unlock export and institutional procurement channels.

UP: Credit Scale
GIGA Credit Card · GI export credit
UP: Platform Scale
MSMEs on OSEM · Agentic AI live
Jharkhand: Full Coverage
All priority districts · credit active
Odisha: Six Districts
Sambalpuri · Pattachitra · tribal crafts
Bihar: Six Districts
Madhubani · Bhagalpur Silk · agro
Phase 4 National Expansion FY 2027–28 onwards

Phase 2 UP programme across all districts. Initiate replication into Madhya Pradesh, Rajasthan and Uttarakhand. OSEM as pan-India MSME operating system.

UP Phase 2 Programme
All seventy-five UP districts
Three New States
MP · Rajasthan · Uttarakhand
OSEM National Platform
Pan-India MSME digital infrastructure
Governance

Board of Directors

An unusually powerful alignment — institutional government authority, investor capital and deep entrepreneurial experience on a single board.

SP
Sanjeev Pandey
Managing Director & Founder
ScaleUP RuralTech Private Limited

Founding Managing Director and strategic architect of ScaleUP RuralTech. Built the UPICON channel framework that gives ScaleUP both institutional credibility and private-sector execution agility. Leads the full digital services stack — CBFSP credit pipeline, OSEM marketplace, YOUTHADDA phygital network and Agentic AI deployment.

Rural EnterpriseFinancial Inclusion Govt. PartnershipsDigital Strategy
PS
Pravin Singh
Designated Director — UPICON Representative
Managing Director, UPICON · Govt. of Uttar Pradesh

Managing Director of UPICON, representing the institutional stakeholder on the board. IIM Indore alumnus with decades of experience across telecom, technology, healthcare and consulting. Led UPICON's expansion into Financial Inclusion and Digital Transformation. Brings the full government mandate, deep UP institutional relationships and regulatory navigation expertise.

Strategy ConsultingFintech Govt. AdvisoryIIM Indore
AS
Asha Singh
Director & Co-Investor
ScaleUP RuralTech Private Limited

Director and co-investor providing strategic oversight and capital governance alongside Cogniphy Angel Fund and ScaleUp InfraTech. Her board participation and investment conviction reflect confidence in ScaleUP RuralTech's multi-state digital empowerment agenda across Uttar Pradesh, Jharkhand, Odisha and Bihar.

DirectorCo-InvestorCapital Governance
RS
Rajesh Singh
Director
CEO, Eveefi · Gurugram

CEO of Eveefi — a Gurugram-based green mobility and EV financing company. Brings entrepreneurial depth in EV financing, gig-worker credit models and last-mile commerce infrastructure. His expertise in sustainable mobility and micro-entrepreneur financial access is directly aligned to ScaleUP RuralTech's CBFSP and gig-worker credit agenda.

EV FinancingGig-Worker Credit Last-Mile CommerceGreen Mobility
Advisory Council

Advisors & Mentors

World-class expertise in AI automation, fintech and venture capital guiding ScaleUP RuralTech's strategy and platform decisions.

GS
Govind Sandhu
Board Advisor
CEO, Customer Capital · Co-founder, AntWorks

Over twenty-six years across AI automation, loyalty technology, BPO and global business development. Co-founder and COO/CFO of AntWorks — the Singapore-headquartered Intelligent Automation platform that pioneered the IAP category. Current CEO and Co-founder of Customer Capital. Prior leadership at Capita, WNS Global Services and TCS. Advises on Agentic AI strategy, fintech architecture and enterprise platform scaling.

AntWorks (AI/Automation)Customer Capital WNS · TCS · CapitaMBA SPJIMR
OS
O.P. Singh
Mentor & Advisor to the Board
Co-founder & CEO, Cogniphy Angel Fund · USA / India

Co-founder and CEO of Cogniphy — a SEBI-registered Category I Venture Capital Angel Fund with offices in Frisco, Texas and Gurugram. Built on a Bharat-first philosophy, Cogniphy has backed numerous Indian startups including CoRover, Newmi Care, InDrones and Cogniquest across fintech, healthcare and deep-tech. Brings global LP networks, fintech investment thesis and SEBI-grade governance. A champion of grassroots entrepreneurship rooted in rural Bihar.

Cogniphy Angel FundSEBI Cat. I VCF Bharat-first AIIIT Bombay Ecosystem
🌿

Co-Investor Partners

Cogniphy Angel Fund
SEBI-registered Category I Venture Capital Fund · Frisco, Texas & Gurugram
Founded 2021 · growing portfolio of Indian growth companies
Focus sectors: Fintech, Healthcare, Deep-Tech (IoT, AI/ML), Business Productivity
Bharat-first philosophy — Tier 2 and Tier 3 city founders solving distinctly Indian problems
Global LP network · AI advisory · SEBI-grade corporate governance
ScaleUp InfraTech
Infrastructure & Technology Co-Investment Partner
Strategic co-investor in ScaleUP RuralTech's digital infrastructure build-out
Supports YOUTHADDA phygital centre rollout across all four programme states
Infrastructure deployment capability and technology investment expertise
Long-term capital horizon aligned to programme expansion through FY 2028 and beyond
Execution

Executive Team

The operational leadership driving platform deployment, financial partnerships and cluster activation across all programme states.

SP
Sanjeev Pandey
Managing Director
Programme architecture · UPICON partnership

Programme design, UPICON relationship management, banking partner coordination and cluster execution oversight across all states.

CT
Credit & Finance Team
CBFSP Operations
District Finance Mitras — All UP Clusters

Credit pipeline management, banking partner coordination, Karigar Credit underwriting and monthly financial literacy camps across all programme districts.

PT
Platform & Technology Team
OSEM · Qubelabs Agentic AI
Digital Product & Engineering

OSEM platform development and operations, marketplace technology, Agentic AI product build and Qubelabs open-source stack deployment for MSME operators.

YT
Youth Adda Operations
Phygital Centre Network
Eighteen Cluster Chapters

Physical centre operations, community chapter management, trade meet coordination, sponsored advertising and cluster association revenue sharing.

GX
Growth & Market Access
ONDC · GeM · Export Enablement
Marketplace & Trade

ODOP seller onboarding, ONDC and GeM facilitation cell management, GI product export programme and international buyer matchmaking.

SE
State Expansion Team
Jharkhand · Odisha · Bihar
Multi-State Rollout

Institutional MoU negotiations, cluster mapping, centre setup and partner onboarding for Jharkhand active rollout and Odisha/Bihar feasibility scoping.

"Uttar Pradesh's MSMEs are not just enterprises — they are families, traditions and livelihoods. This programme gives them the digital tools, financial access and market connections to grow on their own terms."

UPICON · ScaleUP RuralTech · msmeosem.in · YouthAdda