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The name Sindhuja is said to be one of the names of Goddess Lakshmi –the goddess of wealth, fortune and prosperity. Etymologically speaking, this name refers to the avtar of Goddess Lakshmi, who was born out of the river Sindhu.
Sindhuja Microcredit Pvt Ltd (Sindhuja) is a new generation Micro Finance Company which is headquartered in NOIDA . It has received Certificate of Registration from the Reserve Bank of India to operate as NBFC-MFI.
Sindhuja is focussed on meeting the financial and non financial needs of the rural and semi urban population. Currently it is offering Microcredit and insurance services to its clients. It however plans to offer other credit products like Micro Enterprise Loan and also plans to offer pension and other services through third party arrangements to its customers. Through these products it aims to reach the lives of the “Bottom of Pyramid” and the “Missing Middle” customers and contribute in financial inclusion.
Sindhuja Microcredit aims to make financial services easily available to the financially excluded and MSME entrepreneurs through efficient, customer friendly and technology driven solutions.
Our vision is to be one of the most admired financial service providers to over 2.5 million customers by 2025.
Sindhuja aims to provide access to those entrepreneurs who have the requisite skill and courage and conviction but lack capital. Sindhuja aims to support them by offering financial services and also non financial services and be their trusted partner in their growth and prosperity.
The last two years have tested the resilience of the microfinance sector in unprecedented ways. Economic uncertainties, portfolio stress across geographies, and changing borrower dynamics created an environment where the industry witnessed a degrowth of nearly 24%.
Against this backdrop, Sindhuja Microcredit responded to these challenges with discipline, adaptability, and a long-term focus.
While the microfinance industry contracted by nearly 24% over the past two years, Sindhuja Microcredit navigated the challenging environment with comparatively stronger resilience, registering a degrowth of approximately 13%. This relative outperformance underscores the effectiveness of our disciplined and sustainable approach to business growth.
Equally encouraging has been our return to profitability. Beginning February 2026, the Company became P&L positive on a month-on-month basis, marking an important milestone in our recovery and transformation journey. This transition demonstrates that sustainable growth and financial discipline can go hand in hand.
During the beginning of this financial year, we also launched our own Loan Originating System (LOS) . Beyond being a technology deployment, this marks a foundational step toward building a more integrated, agile, and digitally enabled organisation for the future.
Another significant validation of our long-term vision came through the successful raise of our Pre-Series D investment of INR 47 Crore. The confidence reposed in us by our investors strengthens our commitment to building a responsible, scalable, and technology-driven financial institution focused on underserved communities.
As we look ahead, FY27 stands before us not merely as another financial year, but as the beginning of a renewed phase of growth and profitability. Our focus remains clear:
strengthening portfolio quality,
deepening customer relationships,
leveraging technology for efficiency, and
creating long-term value for all stakeholders.
The journey has not been easy, but difficult periods often reveal the true character of an institution. We emerge from this phase stronger, wiser, and more determined than ever.
We would like to thank our customers, employees, lenders, investors, and partners for standing with us through this journey. Together, we will continue building an institution that creates meaningful financial inclusion while maintaining the highest standards of responsibility and governance.
“Since our investment in Sindhuja at the beginning of this financial year, we are encouraged by the performance of the company led by its strong management team in spite of macro challenges prevalent in the industry. Sindhuja grew its loan-book close to 3x in the current financial year whilst maintaining its high portfolio quality with repayment rates of 99.84%. The company continues to create social impact in their four low-income states of operations by providing financing to more than 84,000 rural women of which 21% were first-time borrowers. We believe that the team at Sindhuja will continue to deliver value amidst uncertain times with a high degree of focus on executing well thought out strategies."
“Sindhuja has demonstrated good scale in operations in the 2 years of its existence on the back of the vision of its experienced promoters, who understand the microfinance space exceptionally well. Their focus on addressing customer needs corresponds well with the values that we, at NMI, emphasize on. While they have had a good financial year with FY20, next year would pose its unique challenges with the ongoing pandemic crisis. I am confident that the Company will be resilient, navigate through the crisis effectively and would be back on its growth trajectory in the coming few years. I wish Sindhuja team all the very best for the future."
“We on-boarded Sindhuja Microcredit as a Northern Arc partner when its AUM was around INR 10 crore. The energetic leadership, the careful choice of geography and the well thought through systems & processes stood out for a company of its size. We came on board as one of its first lenders. Since then the company has grown multifold and we are delighted to have played a role in its growth story.”
“Sindhuja has clearly carved out a niche for itself in the microfinance space and
stands out among its peers. What the team has achieved in just about two years
is extremely commendable and speaks volumes about the leadership, especially given
that this was in a rather difficult macro environment. This is further
reaffirmed by its successful fund raise from established foreign investors. The
team has struck a fine balance between stellar growth, impeccable asset
quality and remaining true to its mission of serving financially underserved
regions.
To me, a key differentiator has been the way the team has brought in data
driven, analytical approach and digital technology led processes to
microfinance. This early adoption would definitely catapult the organisation
into a very different league in the coming months.
We are proud to be a part of
this growth story and our best wishes to the entire team for an exciting journey ahead!”
“It is a privilege and pleasure for us to work with the Sindhuja promoters Abhisheka Kumar and Malkit Didyala and the amazing team they have. They are highly professional and the same time their commitment and dedication is commendable. It was a seamless process to close the transaction with them and we’ve always found them to be extremely cooperative. We wish them all the success.”
