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CIN : U67120WB1995PTC071237



Mr. Kartick Biswas – (Founder & Managing Director)

Mr. Kartick Biswas is the director of Uttrayan Financial Services Pvt. Ltd and associated with microfinance and capacity development related activities for the last 17 years. He is an expert in SHGs, JLGs, rural appraisal, finance, funds, operations and project monitoring. He understands & well manages business plan. He was part of the core team, which set up and built Uttrayan from inception. As the Head of Uttrayan, his role included building and growing the company’s portfolio in these sectors. He has good leadership qualities and can lead and represent the organization in all areas. He has enriched his knowledge by attending different programmes and seminars on this field organized by different leading institutions for institutional development. Training imparted from RMK, NMDFC- New Delhi, Planet Finance, EDA and Care India. He was recently selected to participates in the Harvard Business School - Accion Program on " Strategic Leadership on Inclusive Finance", Boston, USA. He is a certified participant in IIM-A SIDBI Programme on Challenges of Managing Inclusive Finance in India held at the Indian Institute of Management, Ahmedabd during November 2017.He is also a Board Member of AMFI-WB.


Mr. Apu Dhar – (Director)

Mr. Apu Dhar is a veteran in the microfinance industry with an extensive stint for more than a decade at the apex . He has extensive exposure in all areas of microfinance – field activity, finance, accounts , operations. He have attended different programmes and seminars in microfinance. He has specialized knowledge and experience in operation having capability to lead bigger teams. He is expert in delinquency management. He have also experience in providing training and works as a faculty member for in-house training of Uttrayan.


Mr.Bijon Kanti Chowdhury – (Non-Executive Director)

Mr. Choudhury is a Banking and Financial Services Professional with over 35 years of experience with UCO Bank. He led and managed corporate credit, treasury and investment activities of Bank. He was in charge of Industrial Finance Branch as Chief Manager and Assistant General Manager. He has immense knowledge in Banking and Financial sector. He also spent 14 years as Faculty member in several reputed Colleges and Institutions of India e.g. Bank’s Central Staff College and NEIBM, Guwahati. He is an extra-ordinary scholar and has magnificent academic records. He is a Post-graduate in Physics and done CAIIB from Indian Institute of Bankers. His last assignment was with UCO bank as Deputy General Manager.


Mr. Anindya Sen – (Non-Executive Director)

Mr. Sen has retired as Sr. Vice President (Eastern Zone) from Axis Bank Ltd. He has worked as Zonal Head (East) of Retail Advances, SME Advances and Credit Risk Management. He has a vast experience in Financial & Banking sector with profound knowledge in Risk Management and modern banking & financing systems. He has more than 41 years of work experience in Banking & Financial Services especially in Risk Management domain. His educational qualifications are B.Sc.(Chemistry), B.A., CAIIB.

In Uttrayan, he looks after Internal Audit and Risk management.


Mr. Kanchan Chakrabarti - (Non-Executive Director)

Mr. Kanchan Chakrabarti, B.Sc (Hons), CAIIB, retired in 2019 as the Dy. General Manager of United Bank of India and has more than 32 years of experience in corporate credit and retail credit. He was the Member and convenor of different credit committees of the Bank. He occupied senior positions in the credit department as Senior Manager, Chief Manager and Asstt. General Manager at UBI head office, Kolkata. Besides, he worked as Nodal Officer of Bank in Corporate Debt Restructuring Cell in Mumbai. He was headed the Bank's first Retail Credit Hub in Kolkata and handled Housing Loan and mortgaged based trading loan. In April 2008, Bank nominated him for a training in NIBM, Pune for faculty members. He has passed the exams on the treasury management conducted by NSE. In Uttrayan, he extends his expertise in finance, accounts, credit and other control activity.


Mr. S. Manoj P. - (Nominee Director)

He is a B Tech (Civil Engg) & MBA (Marketing) and is working with Small Industries Development Bank of India ('SIDBI') as the Deputy General Manager in Kolkata. Shri Manoj is having more than 24 years of experience and expertise in MSME related financing and retail credit. He has worked at centers like Mumbai, Jaipur, New Delhi, Tirupur, Coimbatore, Faridabad & Kolkata and handled credit for SIDBI. In Sept' 2020, he was nominated as Nominee Director in the Board of UFSPL by SIDBI. He brings in his expertise in finance, credit, recovery and other control activities. His Director Identification Number (DIN) is 08892257.

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