Get To Know Us

Services and History

The directors of Radhya Micro Finance bring a wealth of experience in the microfinance industry, establishing a robust foundation for the organization. With years navigating the unorganized lending sector, they have identified the need for a more structured financial support system for underprivileged communities. Their decision to transition from unorganized lending practices to formal lending is driven by a commitment to enhance transparency, accountability, and accessibility in the financial services they offer. This strategic shift aims to empower borrowers with more reliable financial solutions, fostering sustainable growth and economic stability within marginalized populations.

People and Culture

The culture of an NBFC-MFI in India is deeply mission-driven and community-focused. At its heart lies a commitment to empower low-income households, especially rural women, through financial access and literacy. Teams are largely drawn from local communities, creating a culture of trust, empathy, and inclusivity.

Work is guided by values of integrity, accountability, and respect, with staff building close relationships through regular village meetings, group lending, and financial awareness sessions. Collaboration and resilience define the environment—employees often navigate challenging conditions with a shared sense of purpose.

This culture blends professional financial discipline with social responsibility, making every employee not just a service provider but also a partner in community development. It is this strong, people-centered culture that sustains the impact and credibility of microfinance institutions in India.

Aditya Kothiwal

Director

Anant Kothiwal

Director

Ritvik Kothiwal

Director

Dhruv Kothiwal

Director

Gunjan Gupta

Company Secretary

Aditya is the director at our company. He holds a bachelor’s degree in Computer Engineering from Drexel University, Philadelphia, PA, USA. Prior to that he completed his schooling from The Doon School, Dehradun.

Aditya co-founded Radhya Micro Finance Pvt Ltd along with his cousins and aspires to make it big in the BFSI sector. He was earlier running a successful manufacturing and export firm in Moradabad before joining our company full time. He has experience working at PJM Interconnection in Philadelphia as well.

Anant serves as a Director of Radhya Microfinance, guiding the organization's strategic growth and operational excellence. With a strong educational background, holding a Bachelor's degree in Finance and a Master's degree in International Business from Monash University, he brings expertise in financial management, global market dynamics, and leadership. Anant has several years of experience in microfinance, banking, and financial inclusion, driving business expansion and improving financial access.

Mr. Ritvik Kothiwal is a dynamic entrepreneur leading two ventures: a microfinance company and The Craftree. His microfinance firm empowers women and marginalized communities in Uttar Pradesh through unsecured loans, promoting financial inclusion with responsible lending. The Craftree, his export business, is renowned for high-quality decorative lighting that combines craftsmanship, detail, and innovation. With exports to France, the UK, Germany, the Netherlands, and Australia, Ritvik seamlessly blends social impact with business excellence, creating opportunities locally while building a strong global footprint.

Dhruv, Co-Founder Director and Chief Risk Officer at Radhya Micro Finance, brings over 15 years of expertise in microfinance, a legacy business carried forward with modern insight. With A rich experience in operations, strategy, risk assessment, and financial planning, he ensures every lending decision is prudent and sustainable. As CRO, Dhruv safeguards the organization’s financial integrity through meticulous credit risk evaluation, regulatory compliance and ethical practices. His proactive approach to identifying and mitigating risks strengthens institutional resilience. With vision and strategic acumen, Dhruv plays a pivotal role in driving long-term growth, stability, and success for Radhya Micro Finance.

Gunjan Gupta, Company Secretary and Compliance Officer, is an Associate Member of ICSI, a Commerce graduate from Teerthanker Mahaveer University, and a Law graduate from Rohilkhand University. With extensive experience in secretarial work and compliance, she advises the Board on corporate governance and ensures adherence to the Companies Act and RBI regulations. Formerly running her own practice, she provided expert services in corporate law, due diligence, secretarial audit, statutory filing, company formation, and documentation, gaining rich expertise across diverse sectors.