Vision
To enhance Indian financial inclusion by offering range of financial services to micro entrepreneurs
Mission
To adopt advanced technology to cater financial services to micro entrepreneurs and low income households through banking partners.In addition, identify, promote specific skill sets needed by industry at local areas
Board of Directors

Mr. S. Ramachandran
Founder & CEO
He is a Bachelor of Commerce and a Chartered Accountant from Chennai. Over two decades, he has served in NBFCs specialized in micro- finance. He joined BASIX, a leading NBFC-MFI in late nineties, At 2010, the portfolio was INR 25 billion with over 200 branches. He also worked on BC model in KBS Local area Bank and BASIX Sub-K i-transactions Limited. He became Executive Director and was on BASIX Board in 2010. In 2017, he joined Asirvad Micro-Finance Limited as COO, AUM was scaled up from INR 18 billion to 60 billion by 2021 and Asirvad became 4th largest MFI in the Country. With the passion of serving millions of households through microfinance over two decades, he decided to co-promote SHARVAGYAA Finance.

Mrs. Sandhya Ramachandran
Founder Director
She is a Bachelor of Commerce and a Chartered Accountant from Chennai. She has worked with many large corporate groups like Voltas, Tata’s, Birla etc. She has worked in different industries like telecom, IT, BPO etc. for nearly two decades. She began her CA Practice in 2014 as a partner of the Hyderabad Branch undertaking various bank audits, stock audits, statutory & internal audits. She has an independent practice in Chennai and engages in Internal Audit, GST Audits etc. She is a senior management professional and has specialization in Finance and Accounts and proven experience in revenue assurance.
Annual Return 2022-23 :
1. AGM Notice
2. Board Report
3. Audited Financials
BC Partners
Our partners play a major role in increasing our business performance.


Insurance Partners
Our partners play a major role in increasing our business performance.





