RADHYA
Private Limited.आपकी उन्नति हमारा संकल्प
Empowering Women Through Micro Lending
Collateral-free group loans for rural women across Western Uttar Pradesh, delivered at their doorstep.
Our Vision & Mission
At Radhya Micro Finance, we envision a world where women are financially empowered to transform their lives, families, and communities. We are committed to bridging the financial gap for women entrepreneurs, small business owners, and artisans by providing accessible, ethical, and community-driven microfinance solutions.
Our mission is to foster economic independence for women by offering micro-loans and financial literacy tailored to their unique needs. We believe that when women thrive, entire communities prosper—creating a ripple effect of job creation, education, and social progress.
Through responsible lending, mentorship, and strategic partnerships, we aspire to build a future where every woman, regardless of her background, has the financial tools and support to achieve her dreams and drive sustainable economic growth.
True to the original JLG model. Powered by technology.
Microfinance works best when it stays close to the women it serves. So we run the Joint Liability Group model the way it was meant to work: women from the same village form a group, vouch for each other, and meet every month at a centre in their own village with a Radhya officer. Behind that relationship, technology and AI handle the paperwork.
The JLG model, unchanged
- Women from the same village who choose each other and stand by each other’s loans
- Monthly centre meetings, where repayments, questions and financial lessons happen face to face
- Field officers who know every member by name: doorstep service, no branch visits
Technology and AI
- Loan processing: digital KYC and paperless onboarding, so there are no documents to carry
- Underwriting: a household income assessment and credit bureau check on every borrower and her household, with automated approval since Day 1
- Collections: AI-tracked centre meeting attendance and scheduling, with early-warning alerts
How a loan works
- 1
Form your group
Women from the same village come together as a Joint Liability Group.
- 2
Two days of free training
How the loan works, using it well, the risks of over-borrowing, and your rights.
- 3
Quick digital checks
KYC, household income and credit bureau check, with automated approval.
- 4
Get your loan
Paid straight into your bank account, with a Key Fact Statement in your language showing every charge.
- 5
Meet and repay
At your monthly centre meeting, together with your group.
Technology handles the paperwork, so our people can spend their time with our women.
Our Journey
Our Services
Three ways we support the women we serve.
Micro-Loans
Collateral-free JLG loans of ₹20,000 to ₹70,000, repaid over 1 to 2 years.
Financial Literacy
Saving, budgeting and borrowing wisely, taught before the first loan and at centre meetings.
Community Development
When women earn, families benefit: our borrowers reinvest over 90% of their income in food, schooling and health.
“Radhya Micro Finance has transformed my business. Their support and guidance have empowered me to achieve financial independence and grow my venture.”
Part of the Kothiwal Family Group
Radhya Micro Finance lends on its own books as an RBI-registered NBFC-MFI. Radhya is 100% promoter-funded by the Kothiwal family. Our Business Correspondent (BC) operations — originating and servicing loans on behalf of partner banks and small finance banks — are carried out by our sister concern, Gramo Fin Pvt Ltd.
Visit Gramo Fin