Who we are
A Trusted Partnerin Empowerment.
RBI-registered NBFC-MFI established in 2021 with a mission to expand access to formal credit for underserved communities at the bottom of the economic pyramid.
Story & Beliefs
The Beliefs that Shape our Journey.
Vision
To create a future where every rural individual has the opportunity to thrive, where access to financial resources empowers communities to reach their full potential.
Mission
Driven by our passion for rural development, our mission is to provide accessible and inclusive financial services that enable entrepreneurship, enhance livelihoods, and foster sustainable growth in rural areas.
Commenced operations with its first branch in August 2021 and has rapidly expanded across six states, serving low-income households through customised microfinance solutions.
Currently operating across Uttar Pradesh, Bihar, West Bengal, Jharkhand, Uttarakhand, and Assam, with planned expansion into Odisha, Andhra Pradesh, Telangana, and Madhya Pradesh.
Focused on supporting women-led enterprises by providing accessible business loans for income generation, working capital requirements, and entrepreneurial aspirations.
Built a responsible lending model centred on prudent risk assessment, customer repayment capacity, and sustainable portfolio growth, while leveraging technology-enabled processes and field-led customer engagement.
Core Values
Principles that Guide Everything We Do.
01
Excellence
Striving for the highest standards in everything we do, consistently delivering value to our borrowers, communities, and stakeholders.
02
Respect
Treating all stakeholders with dignity, courtesy, transparency, and fairness at all times across all interactions.
03
Collaboration
Working together to achieve common goals, building enduring relationships grounded in mutual trust, respect, and shared purpose.
04
Perseverance
Never giving up in the face of challenges, facing adversity with courage, resilience, and unwavering commitment to our mission.
Strategic Governance
Our Advisory Board
Eminent industry pioneers providing seasoned counsel on retail lending, regulatory compliance, risk management, and nationwide financial inclusion.
Mr. Sadaf Sayeed
Advisory Board Member
He brings extensive expertise in retail lending, credit administration, risk management and financial management, and has previously held leadership roles with Spandana Sphoorty Financial Limited, Indiabulls Financial Services, Satin Creditcare Network Limited, HDFC Bank and GE Money. Mr. Sayeed is a founding member of the Kerala Association of Microfinance Institutions (KAMFI) and currently serves as Co-Chair of Sa-Dhan. He holds a B.Com (Hons.) from the University of Delhi and an MBA in Finance and Marketing from Guru Gobind Singh Indraprastha University.
Dr. Anand Shrivastav
Advisory Board Member
He brings over four decades of diverse experience across nutrition, consumer products, genetics, financial services and telecommunications. A Harvard-educated professional with a Ph.D. in Strategy on Financial Inclusion, he has held several influential positions, including Member of the Reserve Bank of India’s Financial Inclusion Advisory Committee, Member of the World Bank’s Responsible Finance Forum, Founder Chairman of the Business Correspondent Federation of India (BCFI), and Governing Council Member of the BFSI Sector Skill Council of India (BFSISSC). He serves on the boards of Intercorp Biotech, Genesis Biogen, Skingene and SEED, and has previously advised SIDBI’s PSIG Technical Advisory Committee.
Board of Directors & Executive Leadership
Leaders Guiding our Strategy
Mr. Avinash Kumar
Director & Chief Operations Officer
A seasoned banking and financial services professional, he serves as the COO of DJT Microfinance and brings over 25 years of rich industry experience. An MBA from FMS Delhi, he has held leadership positions across reputed institutions, including Fullerton India Credit, Kotak Mahindra Bank, SREI BNP Paribas, IDFC Bank, and Religare Finvest. His expertise spans business expansion, operational excellence, credit risk management, and process optimisation, enabling the organisation to achieve sustainable growth while maintaining strong governance and asset quality.
Mr. Manjinder Singh
Director
He oversees the Company’s finance function and brings over 24 years of extensive experience in banking, corporate finance, and financial management. Prior to joining DJT Microfinance, he served as Chief Financial Officer at Maccaferri India, where he spearheaded financial planning, treasury management, and strategic cost optimisation initiatives. Over the course of his distinguished career, he has held senior leadership positions with leading organisations such as Hughes Communications, Honeywell Automation, and J.K. Industries.
Mr. Maneesh Prasad
Director
He brings extensive experience in infrastructure development, project management, and operational leadership. With a strong academic foundation in Civil Engineering, he has held key positions with organisations such as NPCC and Rental Stay Pvt. Ltd., where he successfully managed large-scale infrastructure and operational projects. At DJT Microfinance, he plays a pivotal role in driving branch expansion, strengthening operational controls, ensuring regulatory compliance, and enhancing execution efficiency across the organisation. His expertise in managing complex operations and scaling business infrastructure continues to support the Company’s growth and expansion objectives.
Our leadership combines decades of proven experience across banking, retail credit, civil infrastructure, risk governance, and large-scale operations.
Board committees & governance architecture
- Audit Committee
- Risk Management Committee
- Asset Liability Management Committee (ALCO)
- Nomination & Remuneration Committee
- IT Strategy & Cyber Security Committee
- Customer Grievance Redressal Committee
Diversified Funding Base & Institutional Lenders
Powered by Leading Financial Institutions
State Bank of India (SBI)
Active Institutional PartnerIndian Overseas Bank (IOB)
Active Institutional PartnerCity Union Bank (CUB)
Active Institutional PartnerMuthoot Microfin
Active Institutional PartnerPAISALO Digital
Active Institutional PartnerFunding Structure:
58.67% Commercial Banks · 6.86% NBFCs · 34.47% Others / DFIs — supporting disciplined rural credit delivery.