Aditi & Anshika Microfinance Private Limited was incorporated on 19 August 2026 under the Companies Act, 2013, with its registered office at Chaubeypur in Varanasi district, Uttar Pradesh.
The gap we set out to close is a familiar one in eastern Uttar Pradesh. A woman who runs a tailoring unit from her veranda, a man who sells vegetables from a handcart, a household that keeps two buffaloes — each has a working, cash-generating trade, and each is turned away by a formal lender for want of collateral, a salary slip or a credit history.
What they usually turn to instead is an informal lender charging several per cent a month, with no receipt, no fixed tenure and no recourse. Our purpose is to stand in that gap with credit that is small enough to be useful, priced transparently, documented properly, and collected with courtesy.
We are a young company and we say so plainly. What we bring is not a long track record but a clear operating discipline: modest ticket sizes, careful assessment of household cash flow, every charge disclosed in writing before disbursement, and a Fair Practices Code that our own field staff are held to.
Incorporation evidences registration of the company only. It is not a licence or permission to carry on any regulated activity, and the company does not accept deposits from the public.
To place small, fairly priced, collateral-free credit within reach of low-income households in and around Varanasi, so that a working trade is never held back for want of a few thousand rupees.
To become the lender that families in eastern Uttar Pradesh recommend to their neighbours — known less for its size than for the plainness of its terms and the conduct of its staff.
Rate, processing fee, insurance premium, EMI and total repayment go on paper and are read aloud in the borrower's language before signature. No charge appears later that was not disclosed first.
Credit routed through women tends to reach the household. Our group and SHG products are designed for women borrowers, with group meetings held at times that suit them.
We check existing borrowings and household cash flow before sanction. Lending more than a family can repay is a failure of appraisal, not a sale.
No borrower is shouted at, shamed in front of neighbours, or visited at unreasonable hours. Difficulty in repayment is a conversation, not a confrontation.
Our products are shaped around six kinds of livelihood we see every day in the villages and peri-urban belts of Varanasi district.
Groups of 5 to 10 members running petty trade, tailoring, food processing or handicraft from home.
Kirana stores, tea stalls, cycle repair, cosmetics and mobile accessory shops needing working capital or stock.
Families adding a buffalo, goats or poultry, where repayment follows the milk collection cycle.
Vegetable vendors, input traders, irrigation users and small-scale post-harvest handlers.