Aditya Kothiwal
Founder & DirectorDoon School alumnus; Computer Engineering graduate from Drexel University, USA. Leads fund raising and heads Radhya’s finance function.
Company Profile.
RBI-Licensed NBFC-MFI₹11 Cr Promoter Capital4 Branches · UP100% Promoter Funded
Empowering Women · Enabling Communities · Expanding Inclusion
Key Management Personnel
Anant Kothiwal
Founder & DirectorDoon School alumnus; Finance & International Business, Monash University. Heads operations across Radhya’s branches and field teams.
Ritvik Kothiwal
Founder & DirectorDoon School alumnus; Computer Engineering graduate from HKUST. Oversees IT, compliance and accounts.
Dhruv Kothiwal
Founder & DirectorDoon School alumnus with 15+ years of microfinance experience. Heads risk and audit, safeguarding credit quality across the portfolio.
Gunjan Gupta
Company SecretaryAssociate Member, ICSI. Handles all regulatory compliance, statutory filings and board matters.
Our leadership combines microfinance expertise, banking experience and entrepreneurial vision to guide Radhya towards long term sustainable impact. The management comes from decades old experience in retail finance in the Western UP market.
Subsidiary and Group Entities
Gramo Fin Pvt. Ltd.
Group company: Our Business Correspondent (BC) operations for partner banks and SFBs are carried out by our sister concern, Gramo Fin Pvt Ltd.
Sudhanshu Shekhar
Promoter & Chief Executive Officer, Gramo Fin Pvt. Ltd.Over 22 years of senior managerial experience, including 17+ years dedicated to microfinance across Direct MFI and BC operations.
Education: PGDRM (XIM Bhubaneswar), BA (JNU), PGCPIB Investment Banking (IIM Indore).
Track Record: Leadership roles at Humana Financial Services, M-CRIL, BASIX Microfinance, Intellecap, Kas Foundation, GE Capital; extensive BC track record with IDBI, Yes Bank, CSB Bank, and Jana SFB.
Our Purpose
Mission & Vision
Our Mission
Advance Financial Inclusion
Beyond inclusion, towards leadership
Radhya exists to empower the next generation of rural entrepreneurs. We combine uncompromising underwriting with digital-first operations to deliver a superior financial experience that sets a new standard for sustainability and ethical impact in the MFI industry.
- Beyond Inclusion: We focus on integration—moving borrowers from basic access to long-term financial leadership
- Operational Integrity: Our tech-stack is our backbone, reducing risk and maximizing institutional efficiency from day one.
- Ethics by Design: Building a "quality-first" book that serves as a trusted foundation for all stakeholders.
Our Vision
Empower Women-Led Communities
To be the undisputed gold standard of microfinance in the region, recognized for integrity, technological excellence, and strong credit discipline, and to be the most trusted and ethically grounded financial partner for all stakeholders.
- Become the lender of choice for rural Western UP micro-entrepreneurs
- Leverage cutting-edge technology to create a "zero-leakage" ecosystem
- Fortress Underwriting: We don't just lend; we empower through precision. By maintaining the most rigorous underwriting standards in the market
“Driving financial inclusion across underserved rural communities.”
Market Opportunity
Our Presence – Uttar Pradesh
Our Active Branch Network — Western Uttar Pradesh
Chandpur
First operational branch marks the beginning of lending activities
Since: November 2024Najibabad
Strategic location serving multiple rural clusters
Since: February 2025Chandausi
Access to additional customer segments and market opportunities
Since: October 2025Budaun
Further geographic diversification within the region
Since: December 2025Geographic Focus: Four strategically located branches serve a diverse customer base across multiple districts in Western Uttar Pradesh, enabling cross-selling opportunities and operational synergies.
Portfolio Snapshot
Strong Early-Stage Portfolio with Disciplined Growth
All figures as on 30th September 2026
2750+Active BorrowersAcross all branches
₹14 Cr+Total DisbursedCumulative since Nov 2024
₹8.5 Cr+Portfolio OutstandingActive principal balance
<1%NPA RatioAcross all branches
Performance Highlights
Disciplined growthIntensive field monitoring
HHI & credit checkOn every borrower
Early warning systemsProactive collection practices
Group-lending modelReduces individual default risk
2750+ active borrowersHigh-quality selectivity
Competitive Advantage
Radhya: USP
AI-powered backend · Physical last-mile presence · Zero documentation burden on borrowers
Phygital Last-Mile Model
Fully AI & tech-enabled backend with physical last-mile field presence — Ensure seamless customer onboarding and doorstep banking services.
AI & Automation
Automated loan approval system operational since Day 1 — removing manual bottlenecks and reducing turnaround time significantly.
Paperless Loan Underwriting
End-to-end digital and paperless loan underwriting process for faster loan processing with zero physical documentation.
AI-Enabled Centre Meetings
AI-powered attendance tracking and centre meeting scheduling ensures 100% meeting compliance and real-time field monitoring.
Minimal risk and fraud
With fully Digital KYC process, AI powered onboarding and strong tech infrastructure chances of fraud and risks are drastically reduced
Experienced Promoters & Management
Promoters and the management come from decades old legacy retail lending business with deep understanding of the rural finance market in UP.
Growth Strategy
Strategic Roadmap: FY 2026–2028
Geographic Expansion
- Strategic entry into underserved rural districts of Western UP and bordering states.
- Focus on established Joint Liability Group (JLG) ecosystem with high community trust.
Branch Network Growth
- Plan to scale to 10+ Branches over the next 3 years.
- Emphasis on branch productivity and sustainable client acquisition over aggressive scaling.
Controlled AUM Growth
- Prioritizing asset quality over rapid growth through strict risk parameters.
- Digitized underwriting process with automated risk-tracking and early warning.
Governance & Compliance
- Strengthening board oversight with independent reviews and MFIN/RBI compliance.
- Regular internal audits, policy reviews and governance frameworks enhancement.
Investment Case
Why Invest in Radhya Micro Finance?
RBI-Licensed & Fully Compliant
NBFC-MFI license granted July 2024. Full compliance with RBI norms, MFIN code, and state lending acts.
Strong Capital Foundation
₹11 Cr 100% promoter-funded paid-up capital. Zero external debt at launch—clean balance sheet. Promoters to infuse equity when required.
Experienced Leadership
50+ years combined experience in lending business. Kothiwal family brings 5 decades of microfinance heritage.
Early-Stage, Institutionally Built
Built from Day 1: Professional governance, tech-first operations and scalable processes
Differentiated Phygital Model
AI-powered backend + physical doorstep presence. Built for efficiency and last-mile impact.
High Social Impact, Low Risk
Group-lending model, credit bureau checks, women-focused lending with 90%+ income reinvestment.
Media Coverage & Social Impact
Anamika's Story: Recognized Across 24 Publications
24PublicationsMay–June 2025
Print & DigitalFront Page Coverage
Print & DigitalFront Page Coverage
Dainik Bhaskar
Hindi Daily · May 27, 2025Jansandesh Times
Regional Hindi · May 27, 2025Rashtriya Sahara
National Hindi · May 27, 2025Social Impact:
Women borrowers reinvest 90%+ of income into family welfare, education, and healthcare
Every rupee lent creates compounding community impact.
Key Partnerships
Credit Bureau & SRO
CIBIL (TransUnion)CRIF High MarkEquifaxExperianMFIN
Technology partnerships
TrackoFieldPhonePePetpooja PayrollFino Payments BankeMudhraPerfiosRedwise Fintech
Insurance partners
M-SwasthCreditAccess GrameenMicro N'Sure
Thank you
for your confidence and trust in Radhya Micro Finance
Your support strengthens our commitment to responsible growth and financial inclusion across rural India.
Email[email protected]
Phone+91-591-3511185
Websiteradhyafinance.com
AddressM.I.G. 29, Ram Ganga Vihar Vistar, Moradabad, UP 244001
RBI NBFC License: July 2024
For us, ‘Aapki Unnati Humara Sankalp’ is not just a motto, but a promise to grow collaboratively with our clients and partners.