About HEUTE & MORGEN ASSETS PVT LTD
"Heute & Morgen" is German for "Today & Tomorrow" — embodying our mission to solve immediate liquidity needs today while building lasting financial wealth for tomorrow.
Our Mission
To democratize formal credit for Indian MSMEs, salaried individuals, and self-employed entrepreneurs through instant digital matching with top-tier institutional lenders.
Our Vision
To evolve from India's leading Corporate Digital Lending Service Provider (LSP) into a powerhouse NBFC-core lending ecosystem powered by algorithmic underwriting.
Ethical Governance
100% adherence to RBI Digital Lending Directions (2025), zero hidden fees, fair recovery practices, and strict data localization within AWS Mumbai under DPDP Act 2023.
Executive Leadership
Led by veteran banking, fintech, and insurance leaders with over two decades of experience.
Mr. Manoj Upadhyay
Founder & Managing DirectorOver 20 years of progressive direct sales, channel sales, business development, sales management and marketing experience in highly competitive segments of the financial, insurance and FMCG sectors at national levels.
Mr. Manoj Pandey
Principal OfficerSeasoned financial and compliance expert with deep expertise in multi-lender credit governance, underwriting workflows, and regulatory compliance under RBI and IRDAI frameworks.
Mr. Faran Qadeer
Chief Distribution OfficerLeads national channel distribution, DSA partner onboarding, and agency network growth across Northern, Central, and Pan-India credit corridors.
Lucknow, Uttar Pradesh
Unit No - 601, 6th Floor, Millennium Place, Sushant Golf City, Adjacent to Lulu Mall, Lucknow, Uttar Pradesh - 226030
Sushant Golf City Corporate Center
Strategically located adjacent to Lulu Mall, Lucknow, our state-of-the-art underwriting, credit operations, and partner relationship hub serves borrowers and channel partners nationwide.