About us

Financial Inclusion for the Underserved

Arohan Financial Services Limited is a leading NBFC-MFI with operations in financially under-penetrated Low Income States of India. Arohan provides income generating loans and other financial inclusion related products to customers who have limited or no access to financial services. As of September 30, 2020, Arohan were the fifth largest NBFC-MFI in India and the largest NBFC-MFI in Eastern India (Source: CRISIL Report), based on Gross Loan Portfolio ("GLP") with a GLP of INR 48.57 billion.

We offer a broad range of products to financially underserved customers. Our financial products are classified into credit and insurance products. Our credit products include income generating loans and other loan products for various household purposes. Our insurance products include life and health insurance covers issued and underwritten by certain Indian insurance companies with whom we have entered into tie-ups. We also offer term loans to microfinance institutions.

As of September 30, 2020, we served approximately 2.21 million borrowers in 17 states. These included 12 of the 14 Low Income States in India (as defined in the CRISIL Report). As of that date, our microfinance business branch network consisted of 710 branches in 11 states and our MSME lending business branch network consisted of 10 branches in eight states.

We are a part of the Aavishkaar Group, which provides business solutions to assist sustainable enterprises dedicated to social and environmental change, has advised a large number of organisations on inclusive business strategies and has provided significant amounts of venture capital funding to social impact businesses. As of September 30, 2020, the Aavishkaar Group had an AUM of approximately US$ 1.00 billion across Asia.

We have a bank loan rating of A- (stable outlook), MFI grading of MF1 from CARE Ratings, a Social Performance rating of SP1, COCA Dimensions of C1, all of which are top-notch gradings. We were certified as a "Great Place to Work" and were ranked 86th among the best companies to work for in India by the Great Place to Work Institute India, in 2020. In the same year, we were in the top 25 companies among the banking, financial services and insurance industry, and among the top three NBFC-MFIs to be certified as a Great Place to Work. We were awarded the "Microfinance Organization of the Year" award by Access Assist at the Inclusive Finance India Awards 2018. We were also awarded the "Microfinance Institution of the Year" award in 2010 in the "Small and Medium Category" by Access Assist.

For the journey forward

We work closely with our investors,
lenders and partners to provide
tailored group and individual



To empower the under-served households by offering a range of financial services, in a manner sustainable for all stakeholders


To impact over 20 million lives by 2025
- 20 by 2025
Aspiring to be in the Top 3 FI players while covering over 5 million households with an INR 25,000 Cr portfolio and being in the Top 3 places to work by 2025.

Our values

value_img1 Transparency

Arohan's products and processes are transparent to its clients such that the information communicated to them is clear, sufficient and timely in a manner and language clients can understand so that clients can make informed decisions. It is also transparent in its communication to, and transactions with all other stakeholders, and employees.

value_img1 Employee Engagement

Arohan treats its employees as a major stakeholder and hence its processes and systems are designed to ensure employee satisfaction, development and high morale.

value_img1 Innovation

Arohan strives to maintain a creative culture in the organisation, where employees are encouraged to learn and innovate in their day to day work, while adhering to Arohan's standards of business and conduct. Also, product, process and business model innovation are integral to Arohan.

value_img1 Honesty and Integrity

Led by exemplary governance, Arohan maintains high integrity in its delivery, products and processes. Arohan has zero tolerance for unethical practices. It strives to behave with honesty and integrity in all its internal and external communication, and dealings with all stakeholders.

value_img1 Shareholder Value Focus

Arohan recognizes its shareholders to be an important stakeholder whose interests it strives to protect, and to whom it seeks to deliver value by focusing on sustainability, profitability and growth of the business.

value_img1 Customer Centricity

Since customers are considered important stakeholders, Arohan's products and processes are designed keeping customer needs and realities in mind. Arohan strives to serve customer needs in an effective and efficient manner and behave in a dignified and respectful manner with its customers at all times.

Get In Touch

PTI Building, 4th Floor,
DP-9, Sector V, Salt Lake,
Kolkata 700 091

Phone: +91 33 40156000

We would love to get in touch with you and send you exclusive offers, information and newsletters by email, post, SMS, phone and other electronic means. We'll always treat your personal details with the utmost care and will never share them with other companies for marketing purposes.