HOW WE SERVE
Ananya aims to achieve its foundational objective of inclusive and sustainable growth and development through financial inclusion by enabling quality and accessible financial services for the underserved and unbanked individuals and enterprises in India. We offer a range of financial and capacity building products and services to individuals and institutions via wholesale and retail business partnerships. We also aim to empower a sustainable future by enabling financial options for green and impact SMEs.
EQUITY PARTNERS
Ananya has a strong equity base with promising investors backing the institution. Our equity investors continuously drive the institution to create sustainable impact on the unbanked population of the country. Ananya is an institutionally led organization wherein 95.83% of majority stake is held by Japanese Impact investor- Gojo & Co, Inc. Ananya has raised ~ Rs. 90+ Crores since its inception. At Ananya, we continuously thrive to create better impact propositions with healthy business returns for our equity investors
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INDIAN FOUNDATION FOR INCLUSIVE GROWTH
RETAIL FINANCE
With a vision to support the end borrowers directly, Ananya foryed into lending to micro borrowers under BC partnerships from September 2020 onwards. Initially Ananya entered into 4 BC partnerships and the same has been increased to 20 BC partnerships and 2 co-lending partnerships.
Ananya's Retail Business in Numbers
INR Disbursed in Retail Finance
152+ Cr.
Women Borrowers Served Till Date
52,000+
MFIs as Business Correspondents
20+
MICROFINANCE
Microfinance has been a strong foundational pillar for socio-economic empowerment for women and society in our country specially in rural and semi-urban areas. Ananya is a coming of age NBFI which offers microfinance loans through institutional partnerships in wholesale and retail segments. Our products and services are customized and focused on income generating livelihoods.
JLG
Ananya Financial Services has adopted a distinctive Joint Liability Group (JLG) model, which empowers groups of individuals to access loans aimed at income generation and economic upliftment. Under this model, all group members share equal responsibility for loan repayment, formalized through a structured agreement. Our primary focus is on women borrowers residing in small towns and rural areas. Currently, our loans are offered at a rate of interest of 28% per annum, calculated on a reducing balance basis.
Individual Enterprise Loan
The Individual Enterprise Loan is structured for self-employed individuals, small business owners, and sole proprietors seeking financial support for business-related purposes. This includes needs such as working capital, purchasing equipment, or expanding operations. The loan is offered at interest rates starting from 28% per annum, calculated on a reducing balance basis and is intended to facilitate growth and sustainability for individual enterprises operating in semi-urban and rural markets.
Loan Against Property
Loan Against Property is offered to individuals looking to leverage the value of their residential or commercial property to meet various funding needs. This facility can be used for purposes such as business expansion, education, or personal expenses. The loan is provided at competitive interest rates starting from 24% per annum, calculated on a reducing balance basis, with benefits including flexible repayment tenure, quick processing, and high loan amounts based on property valuation
Products Offered
Term Loans
(for On-Lending)
We offer loans to various MFI institutions who can on-lend on our behalf to end borrowers. We ensure that the term loan provided by us fits the needs and capacity of the borrowing institution.
Micro Borrower Loans (BC/Co-lending Partnerships)
We offer micro borrower loans to individuals and micro enterprise borrowers. The loans are offered in partnership with NBFCs, NBFC-MFIs, CBOs, Fintechs and other eligible institutions.
Overdraft Facility
(Working Capital Loan)
We offer working capital loans to micro-enterprises through co-lending partnerships with NBFCs and fintechs.
OUR IMPACT
INR Disbursed in Microfinance Space
1487+ Cr.
Women Borrowers Served Till Date
10,00,000+
MFIs Served Till Date
174+
Apply for a loan if you are a micro lender promoting financial inclusion by lending money to underbanked and underserved women borrowers/enterprises in rural/urban areas of India.
AGRICULTURE AND ALLIED SECTOR
Agriculture provides livelihoods to many people in developing and emerging economies especially those living in rural areas. Lack of access to finance stops many farmers from adopting new technology and improving their efficiency. Ananya comprehends the need for proper financial services for better agricultural productivity and economic development. Ananya enables the sector by financially enabling FPOs and other actors in the value chain. Moreover, we are one of the few NBFIs who offer technical support and consultancy to FPOs along with loans and other financial services.
Products Offered
Capex Loans
We offer capital expenditure loans to FPOs, Ag-techs and other Agri-MSMEs who seek to finance their capital expenditure through secured finances. Our capex loans are highly customizable.
Working Capital Loan
We offer working capital loans in the form of receivable financing, working capital demand loan, invoice discounting, supplier finance etc. to FPOs, Ag-techs and Agri-SMEs.
GREEN AND IMPACT SMEs
MSME financing is related to offering loans to an entrepreneur or existing business who are willing to develop there business with the flow of time, innovation and technology in the competitive market. Development of MSMEs are crucial for the overall development of the economy of the country. MSME financing has developed over the past several years. Impact MSMEs are the ones that create socio-economic-environmental impact while contributing to the economic prospects. Ananya recognizes the financial needs of these aspirational organizations and offers customizable loans, consultancy and other financial services.
Products Offered
Capex Loans
We offer capital expenditure loans to MSMEs and other impact ventures who seek to finance their capital expenditure through secured finances. Our capex loans are highly customizable.
Working Capital Loan
We offer loans for aiding MSMEs and impact enterprises with their working capital requirement. We provide services like receivable financing, demand Loan, Invoice discounting, dupplier finance etc.
Capacity Building and Consulting
Ananya is one of the few NBFIs in India that offers financial products and services along with technical capacity building services. In the year 2020-21, Ananya has worked with many national and international organizations like the World Bank and JSLPS etc. on implementing capacity building programme for farmers, farmers collectives and other beneficiaries.
PERFORMANCE SNAPSHOT
We ensure a healthy portfolio with all round monitoring and development.
OUR EXPERIENCE
Our learning curve has always remained high with our quest to venture into new avenues of sustainable finance.
PEOPLE AND CULTURE
We follow the best human practices to ensure productivity and work-life balance among employees.
OUR IMPACT
We aspire a better world with sustainable and equal future for everyone.
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