What we do Fusion Finance Limited provides microfinance and MSME loans, empowering low-income women entrepreneurs in India with collateral-free credit and financial services. |
Founded in 1,994 |
Market share Among leading microfinance lenders with diverse operations across 22 Indian states and ~1,537 branches. |
Problem solved Addresses credit access for rural women and missing middle MSMEs by offering small-value loans without collateral to support livelihood and business growth. |
Top clients or who we serve B2C focus serving low-income women via Joint Liability Groups and MSME enterprises in rural and semi-urban India. |
Key management Sanjay Garyali (MD & CEO), Krishan Gopal (CFO), with Directors having IIT/IIM backgrounds and strong financial sector expertise. |
Our journey and innovations Established 1994, IPO in 2022, rebranded in 2024, launched digital platforms FINDOST, LOS, LMS, and introduced MSME loans. |
Where we operate India-wide presence with branch network in 22 states and 497 districts primarily in rural and semi-urban areas. |
Top products or what we offer Microfinance income-generating loans, cross-sell loans for productivity assets, and secured MSME business loans. |
Top brands FINDOST loan application platform, microfinance and MSME lending portfolios—key revenue and client engagement drivers. |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue predominantly recurring from interest income and fees on loans with growth linked to disbursement cycles. |
Our industry position Established mid-layer NBFC-MFI with competitive positioning, high capital adequacy, and improving asset quality. |
Financial highlights FY25 Revenue ₹2319.76 Cr, Net Loss ₹1224.54 Cr due to credit cost provisions; profit restored by Q3 FY26 with ₹14 Cr PAT. |
Geographical revenue split 100% Indian operations, focused on rural and semi-urban markets across multiple states. |
Order book - |
Whats driving growth Improved asset quality, digital transformation, calibrated disbursements, and rights issue capital infusion boosting liquidity and operations. |
Our future plans Focused on portfolio quality, MSME segment expansion, digital lending enhancements, and capital strengthening initiatives including ESOP and rights issue. |
Our green promise Solar installations, agroforestry, e-waste compliance, paperless workflows, and 18 CSR programs reaching over 50,000 beneficiaries. |
Our people and values 15,274 employees with strong gender diversity and structured leadership; emphasis on ethics, compliance, and community impact. |
Key challenges ahead Asset quality pressures, regulatory compliance, cost management, and restoring full profitability amid economic shifts. |
Interesting facts Launched India's first microfinance digital loan platform 'FINDOST' and received high marks for client protection and corporate governance. |
Risks and strategy Managing credit risk through enhanced underwriting and tech, with lender support and capital raising to sustain growth and liquidity. |
