Harley of London India and Gilada Launch Wellness Finance Venture

A new corporate partnership is establishing India’s initial dedicated wellness finance infrastructure to bridge the gap between healthcare affordability, commercial wellness enterprises, and capital markets. The initiative targets a domestic healthcare financing sector projected to expand significantly over the coming years.

HARLEY of LONDON INDIA (HOLI) and Gilada Finance & Investments, a BSE-listed and RBI-regulated Non-Banking Financial Company (NBFC), have announced a strategic joint venture backed by the Delamore & Owl Group to architect the HOLNESS Economy™, a framework that brings together health, wellness, lifestyle and innovation under a unified financial and delivery ecosystem.

The partnership seeks to establish Wellness Finance as a new asset class in India, creating structured financing solutions for consumers, wellness-focused enterprises and investors at a time when healthcare affordability remains a pressing concern for millions of households.

According to industry estimates, India’s healthcare financing solutions market was valued at more than $6.5 billion in 2024 and is projected to reach $10.4 billion by 2030, growing at a CAGR of 8 percent. Despite this growth, out-of-pocket expenditure continues to account for nearly 62 percent of total healthcare spending, underscoring the need for more accessible and structured financing mechanisms.

The venture will introduce a range of financing instruments including the HOLNESS CareCredit Fund, designed to provide affordable consumer finance for healthcare and wellness access; the HOLNESS SME Growth Fund, focused on supporting the growth of wellness-sector enterprises; and a Convertible Debenture Programme intended to facilitate business expansion while enabling investor participation.

Beyond financing, the initiative is designed to unlock demand for preventive healthcare and lifestyle services, support wellness-focused SMEs, generate employment opportunities and strengthen local economies.

The partners also intend to expand healthcare affordability through easy payment options for medical procedures and treatments, enabling more families to access quality healthcare without immediate financial burden.

Looking beyond India, the partners have outlined plans to expand into GCC, UK and Singapore markets within the next 24 months, supported by analyst engagement and strategic stakeholder outreach.

Future Outlook

The venture intends to scale its financial model globally after establishing its foundational footprint in India. By targeting international hubs within the next two years, the partnership aims to capture a share of the global wellness economy while lowering financial barriers for medical treatments.

FAQs

What is the primary objective of the HOLNESS Economy™ framework?

The framework integrates health, wellness, lifestyle, and financial innovation into a unified delivery system. It aims to establish wellness finance as a distinct asset class in India to improve healthcare affordability and support industry enterprises.

Which financial instruments are being introduced by this joint venture?

The partnership is launching three major instruments: the HOLNESS CareCredit Fund for consumer healthcare financing, the HOLNESS SME Growth Fund to support wellness businesses, and a Convertible Debenture Programme to fund corporate expansion.

What is the projected size of India’s healthcare financing market?

Industry data indicates the market was valued above $6.5 billion in 2024 and is estimated to achieve a value of $10.4 billion by 2030, expanding at a compound annual growth rate of 8 percent.

Why is structured healthcare financing critical in India?

Out-of-pocket medical expenses comprise approximately 62 percent of all healthcare expenditure across the country. Structured financing mechanisms help alleviate this immediate financial burden on households by providing manageable payment alternatives.