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GeM follows a rigorous vendor validation process, which includes a two-step contactless process, where online forms are used to submit and validate essential business documents.Mobile-application based video assessments are conducted to ascertain the credentials of the applicant. However, this is a one-time verification process. Tata Consultancy Services (TCS) will become GeM’s new technology partner, and will take control of the existing portal and build a new one. The portal is currently being managed by a consortium of companies, including Infibeam Avenues, which had a five-year contract. GeM’s revamped instant-credit disbursal initiative — GeM SAHAY 2.0 — will be made available for all businesses instead of only sole proprietorships. Banking and finance partners such as AU Small Finance Bank, ICICI Bank, Kotak Mahindra Bank, Lendingkart and Tata Capital, among others,have onboarded. The loan coverage will be up to Rs 10 lakh and the loan will be approved in 10 minutes. Through the GeM SAHAY initiative, all sellers will be able to get collateral-free loans at the point of acceptance of an order at competitive interest rates. It will provide the working capital required to complete an order.
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