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.
Ananya has a strong equity base with promising investors backing the institution. Our equity investors continuously drives the institution to create sustainable impact on the unbanked population of the country. Ananya in an institutionally led organisation wherein 95% is held by Impact investors. M/s Gojo & Co based in Japan holds 70% whereas Stitchting Capital 4 Development that is based in Netherlands hold ~ 24% in Ananya. Ananya has raised ~ Rs. 100+ Crs from ~ 6 Investors since its inception. At Ananya, we continuously thrive to create better impact propositions with healthy business returns for our equity investors.
INDIAN FOUNDATION FOR INCLUSIVE GROWTH
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 7 BC partnerships and 1 co-lending partnership. Ananya has onboarded 52k+ clients in span of 10 months disbursing Rs. 152.5+ crs. The portfolio is spread across 25+ States & UTs covering 300+ districts. Retail finance comprises of ~ 50% of our total portfolio.
Ananya's Retail Business in Numbers
INR Disbursed in Retail Finance
Women Borrowers Served Till Date
MFIs as Business Correspondents
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.
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.
(Working Capital Loan)
We offer working capital loans to micro-enterprises through co-lending partnerships with NBFCs and fintechs.
INR Disbursed in Microfinance Space
Women Borrowers Served Till Date
MFIs Served Till Date
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.
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.
INR Disbursed in Agri Space
Farmers Served Till Date
FPOs and Agri-SMEs Served Till Date
Apply for a loan if you are an FPO, Ag-tech or an Agri-SME promoting better livelihoods and economic opportunities for farmers in rural/urban areas of India.
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.
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.
INR Disbursed in MSME Space
MSMEs Served Till Date
Apply for a loan for a small or medium enterprise working on solving social, economic or environmental challenges in rural/urban areas of India.
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.