Committed to Uplifting Grassroots Households Across India
Learn about our history, grassroots presence, and unwavering commitment to the Client Protection Principles.
Transforming Households Through Responsible Capital
Founded with the conviction that economic independence is the bedrock of social dignity, Samridhi Microfinance operates as a regulated NBFC-MFI delivering credit, savings, and micro-insurance directly to the doorsteps of rural communities.
Our Vision
A financially empowered rural society where every woman entrepreneur and smallholder farmer has dignified access to capital, savings buffers, and economic resilience.
Our Mission
To provide ethical, transparent, and technology-driven microcredit, fostering community self-reliance and achieving 100% on-time financial inclusion across 100,000+ villages.
Client Protection Principles
Samridhi strictly adheres to the internationally recognized Client Protection Principles (Smart Campaign) and the Reserve Bank Fair Practices Code:
Prevention of Over-Indebtedness
We conduct rigorous dynamic Household Cash Flow Analysis ensuring repayments never exceed 50% of verified discretionary household surplus.
Transparent & Fair Pricing
No hidden fees, no compounding penalties. All interest rates, processing fees, and insurance costs are documented in local language passbooks.
Respectful Collections
All recoveries take place publicly during scheduled weekly daytime center meetings. We prohibit abusive or coercive collection practices.
Robust Grievance Redressal
Every borrower has access to a dedicated toll-free helpline and branch-level grievance officer with 7-day resolution SLAs.
Institutional Governance
Rigorous audit mechanisms, risk committees, and dual-entry accounting ensure maximum stakeholder trust.
Multi-Tier Credit Committee
Sanctioning powers segregated across Field Officers, Branch Managers, and Regional Credit Committees to eliminate conflicts of interest.
Automated Dual-Entry GL
Every single dollar disbursed, collected, or deposited automatically posts matching dual-entry debit and credit journal vouchers to our General Ledger.
Immutable Audit Trails
Full compliance logging captures user timestamps, IP addresses, and exact profile edits to ensure zero fraud and regulatory alignment.