Vikram founded Aerem after observing, firsthand at ICICI Bank, how many qualified homeowners and small businesses were unable to access solar financing -- not because of creditworthiness, but because no lending product had been designed for it. At McKinsey, he led engagements on energy access and distributed generation for state electricity boards.
He filed Aerem's first NBFC license application with the RBI in 2019 and obtained the Certificate of Registration in 2021. His background in structured finance shaped Aerem's approach: the NBFC is not a product feature, it is the structural core of the business.
"Every Indian home deserves clean energy. We built Aerem to make that possible -- not in decades, but in months. When your EMI is less than your electricity bill, the decision makes itself."