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Rooted in Community.
Driven by Purpose.

Since 2010, Rishita Microfinance has been on a mission to bring financial dignity to every doorstep — empowering farmers, artisans, street vendors, and self-help groups across West Bengal and beyond.

14+
Years of Service
24K+
Lives Impacted
14+
Branch Offices
₹3.2Cr
Loans Disbursed
RBI ✓
Registered NBFC
48Hrs
Avg. Loan Disbursal
98%
Approval Rate
4.8★
Member Satisfaction
Our Foundation

What Drives Everything We Do

Three guiding pillars that define Rishita Microfinance's identity and purpose.

Our Mission

To provide accessible, transparent, and affordable financial services to underserved communities — enabling micro-entrepreneurs, farmers, and self-help groups to build sustainable livelihoods and achieve financial independence.

Focus Areas
Financial Inclusion Women Empowerment Rural Development
Our Vision

To become the most trusted microfinance institution in Eastern India — where every individual, regardless of income or location, has access to dignified financial services that unlock their full potential.

2030 Goals
1 Lakh+ active borrowers
50+ branch offices
Digital loan processing
Our Values

Everything we do is guided by a set of non-negotiable principles that have kept us trusted for 14 years.

  • Integrity — Complete transparency, always
  • Empathy — We listen before we lend
  • Inclusion — No one left behind
  • Speed — Respect your time & urgency
  • Impact — Measure success by lives changed
Founded with a
single promise —
serve the underserved.
2010
Since
Our Story

14 Years of Building Trust,
One Loan at a Time

Rishita Microfinance was born from a simple observation: millions of hardworking people in rural West Bengal had no access to affordable credit. Banks were too far, too formal, and too slow. We built Rishita to change that — starting with a single office in Kandi, Murshidabad.

2010
Founded in Kandi, Murshidabad
Started operations with a team of 5, serving 200 borrowers in the first year with micro-enterprise loans.
2013
RBI NBFC Registration
Received official Non-Banking Financial Company registration from Reserve Bank of India, establishing full regulatory compliance.
2016
Expanded to 5 Districts
Opened branches in Bardhaman, Howrah, Birbhum & Nadia. Reached 5,000+ active borrowers milestone.
2019
Women SHG Programme Launch
Launched dedicated Self-Help Group lending programme, with 60% of new loans going to women-led enterprises.
2022
Digital Loan Applications
Launched online application portal reducing processing time from 5 days to 48 hours. Crossed ₹2 Crore disbursals.
2024
24,000+ Members & Counting
Operating 14+ branches across West Bengal, Jharkhand & Odisha with ₹3.2 Crore+ total disbursals.
Our Impact

Numbers That Tell Our Story

Every figure represents a family, a dream, and a step toward financial freedom.

24,000+
Active Borrowers
₹3.2Cr+
Total Disbursed
68%
Women Borrowers
14+
Branch Offices
8,400+
Businesses Funded
3,200+
Education Loans
4,100+
Farmers Supported
4.8★
Member Rating
Leadership Team

The People Behind Rishita

Experienced professionals united by a shared purpose — financial empowerment for all.

R
Rajesh Kumar Sharma
Founder & MD
20+ years in rural finance. Former NABARD officer who left to build inclusive credit systems from the ground up in West Bengal.
P
Priya Ghosh
Chief Operations Officer
MBA from Calcutta University. Oversees all branch operations and the Women SHG programme covering 8,000+ members.
A
Arun Banerjee
Chief Financial Officer
CA with 18 years in BFSI sector. Ensures financial health, regulatory compliance, and portfolio quality across all products.
S
Subrata Das
Head of Credit & Risk
Former SBI credit officer. Developed Rishita's proprietary credit assessment model enabling 98% approval accuracy and low NPA.
Certifications & Recognitions

Our Credentials & Achievements

Trusted, compliant, and recognized — backed by the highest regulatory and industry standards.

RBI Registered NBFC
Registered with the Reserve Bank of India under Non-Banking Financial Company regulations. Reg. No: N-14.03001
Sa-Dhan Member
Accredited member of Sa-Dhan, the self-regulatory organization for microfinance institutions, adhering to the Code of Conduct.
Best MFI Award 2022
Recognized as Best Microfinance Institution in Eastern India by the Microfinance India Summit for social impact & compliance.
ISO 27001 Certified
Information Security Management System certified, ensuring all borrower data is stored, processed, and protected securely.
MUDRA Partner
Official channel partner for PM MUDRA Yojana, enabling eligible borrowers to access government-backed loan schemes up to ₹10 Lakh.
CRISIL MFI Grading
Assigned MFI 2 grading by CRISIL — indicating strong management quality, governance, and financial performance.
Our Partners

Backed by Trusted Institutions

Join 24,000+ Members

Ready to Start Your
Financial Journey?

Apply for a loan today and join thousands of entrepreneurs who trusted Rishita to help them grow. Fast approval. No collateral. No hidden charges.

Apply Now View Loans
48hrs
Fast Disbursal
0%
Hidden Charges
₹5K
Minimum Loan