Annual Report 2025-26
About Northern Arc Capital Limited
Northern Arc has built a diversified financial services platform that operates through a dual-engine business model, Credit Solutions and Direct-to-Customer (D2C) Lending.
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Northern Arc evolution into diversified credit enabler
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Building the platform
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Wider access to capital for partners
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Leveraging Digital Partnership
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Entering new assets and geographies
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Scaling the lending franchise
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SaaS to Partners
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Resilient. Scalable. Sustainable.
Our business
segments
Our business segments
Chairman’s Letter to Shareholders
Financial inclusion remains our most meaningful contribution to sustainable development. Every responsibly underwritten loan has the potential to create livelihoods, strengthen enterprises and improve communities.
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MD and CEO’s Letter to Shareholders
Powering India’s credit ecosystem by enabling the seamless flow of credit to underserved households, entrepreneurs and businesses.
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Delivering our strategy:
Strengthen • Grow • Reimagine
Over the past five years, Northern Arc has remained steadfast in executing its long-term strategy of Strengthen, Grow and Reimagine, building a diversified financial services institution while preserving the discipline and resilience that have defined the Company since inception.
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Enhancing efficiency across the value chain
Northern Arc has steadily enhanced efficiency across the value chain through sustained improvements in the funding profile and its operating model.
Read MoreRisk management
The Risk Management framework focusses on ensuring that business risks are identified, evaluated and mitigated on a timely basis and reasonably addressed to protect the interests of all the stakeholders.
Read MoreEnabling scalable capital flow through technology
Technology is a key enabler of Northern Arc’s business model driving efficiency, scalability, and risk management across its operations.
Read MoreFostering a thriving work culture
Northern Arc Capital fosters the culture of “Power of One”, supported by innovation and responsiveness, and elevating business value and employee engagement.
Read MoreOur future value-builders and growth enablers
At Northern Arc Capital, our future value builders collectively focus on diversifying our revenue streams, scaling assets under management, expanding distribution platforms, deepening our ecosystem partnerships, and leveraging technology for growth.
Read MoreESG focus: Sustainable pathways to financial access
Financial inclusion is the heart of Northern Arc’s sustainability agenda. Guided by the ideals of sustainable financial growth, it is our mission to enable access to finance for the underbanked in an efficient, scalable and reliable manner.
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