About Us
Welcome To Ajivika Finance Limited
We Have 37 Years Experience
Ajivika Finance creates value for the bottom-of-pyramid population through timely delivery of vital micro-credits at the doorstep of low-income households, unserved by banks and other Financial Institutions.
The company specialises in identifying credit-worthy borrowers through it’s rigorous due diligence and KYC processes to carry out it’s lending operations through the Micro Enterprise Loans (MEL) lending model.
The company operates a highly profitable branch network model, serving the company the advantage of setting up operations in any area in the most cost-effective and timely manner thus leveraging the high scalability of Ajivika’s business and the tremendous potential of micro-finance in India.
Ajivika Finance has successfully accomplished market entry, product familiarization and recognition by major industry players and among low-income households in India.
The brand Ajivika resonates with integrity and quality as Ajivika Finance is the preferred Micro-enterprise loans institution of over 35,000 borrowers.
Who We Are
We believe that intellectual capital is critical to providing innovative solutions and, ultimately, having a positive economic impact, that benefits all stakeholders.
We are a team of dedicated and seasoned business professionals who aim to make a difference through our focus on solving real problems.
We are fortunate to have some of the most hard-working team members who are dedicated to the process of realising our collective goals.
They stay on to build rewarding careers because of our entrepreneurial spirit, open and transparent work environment and our principles.
Our people are our most valuable asset – they are wiling on take on challenges and do not shy away from adversity.
As one Ajivika team, we shall go the distance to realise our vision of a more prosperous and Inclusive India.
Our Values
Our values shape our thoughts, actions and character as individuals – and as one Ajivika Finance team.
We believe that the results we seek and the goals we set are best achieved through a culture founded on our core values, represented by CHILD.
- Commitment
- Hard-work
- Integrity
- Loyalty
- Discipline
Everything we do is guided by these principles which define our character and culture; they shape us as an organisation. These enduring qualities are the shared convictions that we bring to our personal and professional conduct – they are the fundamental strength of our business, the inherent representation of our commitment to help our clients succeed.
Our Purpose
Ajivika Finance Limited is committed to create value for society by giving it's employees and it's clients an opportunity to fulfil dreams and lead meaningful lives by serving inclusive finance to low-income households, in a way that is commensurate with it's core principles.
We endeavour to solve the most pressing problem of banking in India, inequitable access to credit by ensuring access to credit for low-income households, essential for them to create self-employment and income.
Our Vision
We want to serve our vital financial services at the doorstep of 01 million households by 2025 and in so doing grow the size of the economic pie equitably to promote the national causes of social empowerment and financial inclusion.
We see a vision of a more prosperous India that is only possible when all stakeholders benefit equally from it's growth and are able to contribute up to their potential.
By focusing on our long-term value creation plan, we want to establish a leading Financial Institution serving the financial needs of low-income households in India and set new benchmarks within the industry. Our efforts are aligned with our mission and we are determined to go the distance in this extra-ordinary journey of change, in the hope of building a better tomorrow, in a more inclusive world.
