BharatX is a VC Backed early-stage FinTech startup that uses technology to empower the Indian Middle Class with credit. Approximately 110 Million Households whose income is more than 5 lakh per annum, do not get access to Formal Credit. BharatX wants to change that by enabling Credit-as-a-Feature on Consumer facing apps! Their access to data allows them to innovate with products which remove barriers and lowers costs at the same time. They are changing the way credit is made available to the Indian middle class. LinkedIn Cover Attribution: Wikimedia Commons/Praveenpaavni.