Tapping promising credit opportunities in India’s emerging sectors
Discover a transformational approach to credit.
We are a platform in the financial services sector set up primarily with the mission of catering to the diverse credit requirements of under-served households and businesses by providing efficient and reliable access to debt finance. Registered with the RBI as a systemically important, non-deposit taking non-banking finance company (“NBFC”), we have been operating in the financial inclusion space for over a decade with a business model diversified across offerings, sectors, products, geographies and borrower segments.
Our focus is on providing access to credit to underserved households and businesses directly and indirectly through our Originator Partners. Our business model operates with a robust risk management framework that uses a combination of proprietary quantitative data analytics and qualitative field-level insights that aids credit assessment and monitoring. Our integrated technology system called ‘Nimbus by Northern Arc’ (“Nimbus”) enables us to do this efficiently at scale.
  • 13+ years

    of investing
  • 66 million

    lives impacted
  • $17 billion

    finance enabled
  • 1196

    structured rated
  • 400+

  • 397+

    client partners

Sectors that offer promising opportunities

A journey that unleashes the potential to change lives and fortunes.

MSME Finance
Vehicle Finance (Includes Commercial Vehicle and Two-wheeler Finance)
Consumer Finance
Housing Finance
Agricultural Supply Chain Finance
Underserved businesses and households represent a significant proportion of India’s population that faces challenges in obtaining credit due to reasons such as a lack of credit history and the ability to provide collateral. Over the past 12 years, we have focussed on this challenge through our platform approach.
We focus on addressing a wide spectrum of the credit requirements of underserved households and businesses through our sectoral approach. We operate in focussed sectors including microfinance, MSME finance, vehicle finance (includes commercial vehicle and two-wheeler finance), consumer finance, affordable housing finance and agricultural supply chain finance.
Of these sectors, four of them, being microfinance, MSME finance, vehicle finance and consumer finance, have grown at rates of 9% to 31% during the period from Fiscal 2018 to Fiscal 2021.
Our Unique Path

Finance with purpose.
Leading through deep insights

Sector focussed underwriting, combined with a capital markets approach that creates

relevant investment products and builds partnerships that grow over time.

Our Investors

Discover unique opportunities that couple the rigour of underwriting with ease of investment

  • Sectoral Expertise tested over time.
  • Well diversified investments.
  • Higher risk– adjusted returns.
  • Co-investment for incentive-alignment.
  • On-going risk monitoring and surveillance.
Our Client Partners

A grassroot revolution in the making

We build long-term relationships with our client partners, walking shoulder to shoulder with them as they build their businesses and transform the economy ground up. We are invested in their challenges and their successes.