Strategic Alliances
Our strength lies in our robust network of leading financial institutions and banking partners who share our commitment to financial excellence.
Transparency, Governance, and Long-term Value Creation.
Our strength lies in our robust network of leading financial institutions and banking partners who share our commitment to financial excellence.
With the growing wave of startups in the country, more and more people want to start their businesses. However, starting a business can be capital intensive. Traditionally, resorting to a loan while establishing a formal business can be very difficult for entrepreneurs without relevant experience in the field. The rate of total early-stage entrepreneurship in India has improved in past few years. Aashiyana Financiers helps first-generation entrepreneurs by providing them with loans regardless of prior business experience or educational qualifications pertaining ESG.
First factor of ESG i.e. environment is a vital component of our life, which is further reliant on the work we undertake to make a living. The environment and industrialization are inextricably linked. We must adopt green technology that will put us on a path of sustainable development to flourish in both the domains of environment and industrialization. Environmental sustainability is defined as making environmentally friendly decisions and taking appropriate steps to maintain the environment, with a focus on preserving the environment's ability to support our continued existence. It is currently a significant concern, as people are becoming more aware of the full influence that businesses and individuals may have on the environment and nature. It is not just about lowering the amount of waste you create or using less energy; it is also about building methods that will help businesses become more sustainable in the future and contribute to the conservation of our world through better eco-friendly technologies
Aashiyana Financiers customers are taking various environmental initiatives.Aashiyana Financiers aims to impact the market in a way that the future could be more environmentally friendly
While the Indianeconomy has witnessed exponential growth over the past few years, the progress of financial inclusion israther slow. Despite being termed as the backbone of the Indian economy, MSMEs are plagued withnumerous issues such as lack of sustainability, limited access to capital, lack of affordable marketingchannels, and heavy regulations on opening, operating, and maintaining a venture. In India, a greater numberof MSMEs tend to be informal in nature, have limited access to information, and are relatively less aware ofthe bank requirements, all of which results in higher information asymmetries impedingbanks lending to thesector.
Our innovative approach in lending to the MSME segment has helped us in creating greater outreachand more reliable, efficient access to credit to borrowers who may otherwise be excluded from the formalsystem.
Anentrepreneur has a tough time getting a loan from financial institutions since they consider it unreliable and risky because the repaymentis uncertain. However, the entrepreneurs can still finance their firm by borrowing from relatives, self-funding, or selling some of their assetsin this case. The majority ofAashiyana Financiers customers are entrepreneurs who had similar challenges while applying for a loan at local banks.However, the process and assistance from Aashiyana Financiers enabled them to obtain the necessary financial assistance. We are financial intermediaries that play an important part in India's economic development. It providesfinance to people in rural areas and aids those who are often neglected by banks. We support the weaker sections of society, bringing the country back into balance. This also helps to shape society by raising living standards.Customers are from low-income backgrounds and have worked in low-wage jobs since thebeginning of their careers. When we spoke to the clients, it was evident that they were ready for hard workand a desire to improve themselves. Some clients were able to purchase their own homes, educate their children,and provide a decent life for their families.
Globally, India ranks third among countries reporting gender gaps in business. Women who run their businesses face various difficulties. The biggest of them is gender bias in access to finance, limited access to collateral, longer waits for credit, restricted mobility, and social norms are other obstacles faced by them. To support women entrepreneurs, Aashiyana Financiersextended loans to women entrepreneurs. Aashiyana Financiersconsiders the underlying business performance rather than focusing only on the credit history of the women borrower. The female applicants with no or low credit scores can obtain the capital necessary to start or expand their business and improve their credit rating.
Strong governance forms the foundation of sustainable financial operations. At Aashiyana Financiers, governance is centred on transparency, accountability, ethical conduct, and regulatory compliance. We ensure transparent loan terms and clear communication of costs, responsible lending without over-leveraging borrowers, fair treatment across customer segments and non-discriminatory credit evaluation processes.
Our governance framework includes:
We maintain disciplined underwriting standards while ensuring inclusion. Our field teams are trained to follow defined operating procedures to minimize operational and credit risks. Customer information is handled with strict confidentiality. We follow secure data handling processes and ensure sensitive information is protected from misuse. We believe governance is not only about compliance but about building trust with customers, lenders, partners, and stakeholders.
Access our framework of guidelines that ensure operational excellence and ethical conduct.