About
ePayLater is an Indian pay-later credit line for small retailers, mainly kirana grocery shops, rather than for consumers. A shop owner picks ePayLater when ordering stock on B2B platforms such as JioMart, BigBasket, Metro Cash & Carry and Flipkart Wholesale, and the supplier is paid at once. The retailer then repays within 14 days, interest-free, from a credit limit of up to ₹25 lakh. It is run by Arthashastra ePayLater Financial Pvt Ltd, an RBI-registered NBFC, with partner lenders including Muthoot Finance. Its website said in 2026 that it had served over 100,000 retailers and disbursed over ₹1,000 crore.
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