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GeM Sahay, an initiative launched by Government EMarketplace (GeM), brings a complete financing solution for Proprietorships on GeM. The app will assist proprietorships to avail instant, frictionless financing to serve the Government orders without any hassle. Over the period, GeM has observed the necessity of an initiative like this that can provide an end-to-end digital solution, grant loans instantly, collateral-free, and without requiring the consent of any buyers.


With GeM Sahay, GeM brings a revolutionizing change that'll encourage and assist proprietorships to grow leaps and bounds with GeM. With top financial lending banks as our partners, proprietorships will get loans at the point of acceptance of an order at the best interest rates with easy registration via Udyam and Aadhar, free of charge. No fee is associated under GeM Sahay, apart from the interest rate charged by the lenders.


Staying true to GeM's third pillar of inclusivity, SAHAY will help proprietorships in selecting the orders that they would need to share with the lenders for availing of financing- ensuring lenders to offer loan offers on the shared orders in real-time.


The journey has been long, and with this initiative, GeM looks forward to enabling the wider participation of proprietorships from all over the country.



Terms & Conditions

Title Details Download
GeM Sahay Ecosystem Participation Terms signed by ABFL as Lender TYPE: PDF, Size: 205KB
GeM Sahay Participation Terms signed by AUSFB TYPE: PDF, Size: 197KB
GeM Sahay Participation Terms signed by Union Bank of India. TYPE: PDF, Size: 836KB
Sahay GeM EcosystemParticipation Terms signed by Lendingkart Finance Ltd. TYPE: PDF, Size: 324KB
Sahay GeM EcosystemParticipation Terms signed by Equentia. TYPE: PDF, Size: 181KB
Sahay GeM EcosystemParticipation Terms signed by IDFC First TYPE: PDF, Size: 174KB
Sahay GeM EcosystemParticipation Terms signed by Juspay TYPE: PDF, Size: 172KB
Sahay GeM EcosystemParticipation Terms signed by ICICI Bank Ltd. TYPE: PDF, Size: 171KB
Sahay GeM EcosystemParticipation Terms signed by UGro capitals TYPE: PDF, Size: 171KB
Sahay GeM EcosystemParticipation Terms signed by GeM TYPE: PDF, Size: 192KB
Sahay GeM Ecosystem
Participation Terms v1.1 - signed by 121 Finance.
TYPE: PDF, Size: 178KB
Sahay GeM Ecosystem
Participation Terms v1.1 - signed by Tata Capital as Lender
TYPE: PDF, Size: 178KB
Sahay GeM Ecosystem
Participation Terms v1.1 - signed by Kotak Mahindra as Lender
TYPE: PDF, Size: 185KB
Sahay GeM Ecosystem
Participation Terms v1.1 - signed by Oxyzo Financial Services as Lender
TYPE: PDF, Size: 331KB
Sahay GeM EcosystemParticipation Terms signed by ICICI Bank Ltd. TYPE: PDF, Size: 173KB
Sahay GeM EcosystemParticipation Terms signed by UGro capitals TYPE: PDF, Size: 171KB
Sahay GeM EcosystemParticipation TYPE: PDF, Size: 107KB

Frequently asked Questions(FAQs)

GeM Sahay app is a financing opportunity being made available to GeM sellers to avail financing against their GeM Purchase Orders (PO).
Sellers who meet the following criteria can get a loan on the GeM Sahay app:
  • 1. GeM sellers who are sole proprietors and on GSTN
  • 2. 4+ rating and transactions with GeM in the last 12 months
  • 3. Enable API access in GSTN Portal (https://www.gstzen.in/a/enable-api-access-in-gstnportal.html)
  • 4. Do not raise invoices for POs that you wish to finance
  • 5. Ensure that POs are created at least 3 hours after opting for GeM Sahay in the profile section
  • 6. Only POs with payment type PFMS, GeM Pool and CRPF Online account will show
  • 7. For availing financing through a lender who is not your primary banker or through an NBFC on GeM Sahay platform, you must have an Udyam Certificate issued by the Ministry of MSME, India.
The loan amounts can vary and be up to 80% of the Purchase Order Value. They will vary case by case depending on the Seller Profile.
The loans will be disbursed instantly or the same day
For availing financing through GeM Sahay, a virtual account is created for a borrowing seller. It acts as an escrow account where the payment against a financed Purchase Order (PO) will first be transferred to when the buyer makes the payment against the PO. This helps lenders get repaid first from the payment buyer makes against the PO. The balance amount once the lender has been paid, is settled to the seller's primary account on GeM. It is an account created by a GeM collection account partner and the Seller does not have to submit any documentation or take steps to create the account. It is autocreated for the sellers that opt for GeM Sahay financing.
For GeM Sahay Financing, the recourse is on the seller. A new GeM Sahay Virtual Account will be created for the sellers when they sign up for GeM Sahay. This virtual account will receive the payments from the buyers when they pay against your financed Purchase Orders. The payment will be first used to clear the outstanding due to the lender and then remaining balance will be settled to your primary bank account on GeM.
In case of order cancellation or no payment by Buyer till the date specified by lender, the recourse to pay will be on the Seller. The Seller will pay the amount with interest to the virtual account created. The details of payments will be made available on the GeM Sahay mobile app.
The details regarding the amount deducted against an active loan, the payments outstanding and more will be available to check on the GeM Sahay mobile app.
Currently, the financing is available only on eligible Purchase Orders and not on CRAC invoices.
Once you opt in for GeM Sahay service on your Seller Profile page by toggling on the provided option, the team will reach out with the Android app link for you to install the mobile app
Currently, the GeM Sahay service is available only on Android.
Currently, the service is available only on GeM Sahay Android Mobile app that has to be installed separately.
GeM Sahay financing will be for a short tenure of 75 - 90 days on average.
Your GeM related data will be shared with lenders via GeM Sahay mobile application, only upon your approval and consent. For details, please refer to GeM Sahay Terms of Service.
Access to GeM Sahay service through the mobile app is free and of no charge. The only charges levied will be by the participating lender, whose loan offer you choose to accept.
GeM Sahay is not a factoring product. There is no buyer involvement. It is an unsecured loan, provided on the basis of your GeM data.

GeM-Sahay Loan

Email Address: gem-sahay[at]perfios[dot]com
Helpline Number: 7090918000
*Note: Only for GeM-Sahay Loan related queries