What we do Usha Financial Services Limited is a non-banking finance company offering diversified lending solutions to MSMEs, corporates, NBFCs, and individuals, with focus on women entrepreneurs and EV financing. |
Founded in 1,995 |
Market share Operating across 20 states in India with a growing AUM of Rs. 410.7 crore, carving niche in MSME and EV financing segments. |
Problem solved Provides accessible and innovative financial solutions addressing credit gap for MSMEs, women entrepreneurs, and emerging sectors like electric vehicles. |
Top clients or who we serve B2B and B2C customers including MSMEs, NBFCs, corporates, and individual entrepreneurs, especially women-led businesses. |
Key management Rajesh Gupta (Managing Director), Geeta Goswami (CEO & Director) |
Our journey and innovations Founded in 1995, converted to public in 2022; IPO raised Rs. 98.45 crore in 2024; expanded loan products including Loan Against Property and Project Inventory Funding. |
Where we operate India - presence in 20 states with branch expansion underway. |
Top products or what we offer Loan products including MSME loans, NBFC on-lending, electric vehicle financing, Loan Against Property, and Project Inventory Funding. |
Top brands - |
Raw materials needed - |
Raw materials supplier - |
Recurring vs cyclical contribution Revenue mainly from lending interest and financing services, a recurring income stream. |
Our industry position A growing player among non-systemically important NBFC-ICC with strong capital adequacy (CRAR ~50%). |
Financial highlights FY25 Revenue Rs. 60.52 crore, Net Profit Rs. 13.8 crore, AUM Rs. 410.7 crore, Net Worth Rs. 211.15 crore, 51.5% increase in disbursements. |
Geographical revenue split Operations spread over 20 states in India. |
Order book - |
Whats driving growth Strong demand across MSMEs, NBFC on-lending, diversification into EV financing, and increased disbursement volume. |
Our future plans Expansion in priority segments, new loan products, increased branch network, and strengthening capital base. |
Our green promise - |
Our people and values Diverse workforce serving 13,000+ borrowers with 80% women, strong governance and ethics focus. |
Key challenges ahead Competition in NBFC sector, regulatory compliance, and managing credit risks in MSME lending. |
Interesting facts Majority women borrowers (80%), recently became publicly listed through successful IPO in 2024. |
Risks and strategy Robust risk management with RBI-compliant policies, internal audits, strong capital adequacy to mitigate credit and market risks. |
