About Us
  • About Us

Who We Are

Uttrayan Financial Services Private Limited is a non-banking financial company (NBFC-MFI) registered under the Reserve Bank of India (RBI). We started our microfinance on-lending operation way back in the year 2001 with its head office in Kolkata (West Bengal), by providing small ticket-size loans to the poor women in rural and semi-urban areas through a group-based system. Our company provides livelihood promotion services comprising livelihood and other micro-financial services to those population segments that are mostly un-reached by the formal banking systems with the principal purpose of promoting sustainable livelihoods.

We are the only MFI in West Bengal that has partnered with the State Bank of India in their prestigious and coveted project of “Co-Lending” . The limit sanctioned to us is 500 Cr. Thus enabling Uttrayan to pass on the benefits of lower interest rates for loans, as low as 19.45% (blended) currently, to our ultimate beneficiaries (Borrowers). The opportunity has been spread across our network of branches in 10 states, catering to our 1 lakh-plus clients.

Where We Do

Over 23 years of financial services are present across 10 states and 74 districts of India. Uttrayan is now working in 117 branches spread over 10 districts of West Bengal, 9 districts in the state of Assam, 16 districts in the state of Bihar, 1 district in the state of Meghalaya, 12 districts in the state of Odisha, 2 districts in the state of Sikkim, 3 districts in the state of Uttarakhand, 8 districts in the state of Punjab, 6 districts in the state of Jharkhand, and 8 districts in the state of Rajasthan, India, where we are providing services to more than 100,000 clients to make their way out of poverty.

about

Recognition

  • Uttrayan is the recipient of the “Skoch Order of Merit” 2024 for outstanding performance in the Co-Lending Partnership with the State Bank of India."
  • Uttrayan has been honoured consecutively four times as the “Best Financial Institution – Financing MSME or Vocational Skill Development” for 2014-15, 2015-16, 2016-17 & 2017-18 by ASSOCHAM.
  • Received “Certificate of Merit” from SKOCH Group for India’s Best Financial Inclusion & Financial Deepening Projects in 2014 & 2015 consecutively.
  • Uttrayan is recipient of “Skoch Order of Merit” 2024 for outstanding performance in Co-Lending Partnership with State Bank of India."
  • Received “Certificate of merit” from SKOCH Group for India’s Best Financial Inclusion & Financial Deepening Projects in 2014 & 2015 consecutively.
  • Adjudged “Best Financial Institution – Financing MSME or Vocational Skill Development” for 2014-15 by ASSOCHAM
  • We have also been adjudged one out of three top nominees for “Highest Employment Generation by Cos. with turnover upto Rs.100 Crs.” by the prestigious award committee of Economic Times Bengal Corporate Award (ETBCA).

Organizational Values

Client is the main priority

We designed a series of activities to enhance the level of the client’s satisfaction. The client grievance redressal mechanism has been adopted to identify and solve the grievances as early as possible.

Honesty and Transparency

We believe in “Honesty is the best policy”. Hence we try to maintain honesty at the time of providing services to Clients, at the time of proving facilities to staff and at the time of initiating a new project. As Honesty is one of the major value of Uttrayan, we try to be honest to our clients, to our financial partners and to our staff as much as possible.

Discipline

We try to maintain discipline from head office to field level as we believe “Discipline is the defining fire by which talent becomes ability”.

Concern for environment

Uttrayan’s main concern is to improve human life in every way. As we believe financial betterment is not sufficient to improve human life, hence we are giving special emphasis on environmental improvement to create a healthier future generation.

Human resources

The members of our staff are our most important resources. We make efforts to upgrade their skills and improve their welfare measures on a continuous basis.