Since the vibrant economic momentum is pushing the country on the path of global leadership, the role of non-banking financial companies (NBFCs) has never been more crucial.
As a driving engine of financial inclusion, these institutions empower millions of entrepreneurs who shape the Indian growth narrative.
Within this super inclusive space, Jacinth Finvest has risen as a credible and trustworthy name by blending technology, empathy, and agility to address the large credit deficit of the Indian MSMEs space.
M Sucharita, the Managing Director of Jacinth Finvest, indicates that as an NBFC, Jacinth Finvest holds a distinct responsibility to serve clients who remain generally outside the traditional banking sector.
The firm offers a trusted model that enables them to reach MSMEs, which contribute almost 30 percent of the GDP of India, while employing more than 26 crore individuals.
Despite their high significance to the economy, they have a credit gap of ₹30 lakh crore, which can be a challenge as well as an opportunity for the fintech players and NBFCs.
“At Jacinth Finvest, we address this pressing issue through a collaborative ecosystem of lenders, technology partners, and data platforms, all focused on one mission, making credit accessible and reliable for businesses”, states Sucharita.
Evolution to Inclusion
Since its establishment back in 2007, Jacinth Finvest has emerged as an investment company and has rapidly grown into a fast-growing NBFC servicing MSMEs with credit. Since Sucharita took over the leadership in mid-2024, the company has been experiencing significant momentum and growth, with a 68 percent loan book growth - showcasing nearly four times the size of its industry average.
The company has expanded its branches from 48 to 62 across 6 States, serving more than 18,000 clients while aiming to reach 1 lakh clients and 150 branches in the next two years.
With the support of 15 active lending partners, Jacinth continues to strengthen its capital base and encompass its reach across the MSME heartlands of India.
More than a financial organization, Jacinth Finvest is a catalyst for inclusive growth, powering ambitions and fulfilling the dreams of micro and small entrepreneurs by listening to clients, understanding their challenges, and building solutions that genuinely meet their needsM Sucharita, Managing Director
The fundamental principle of Jacinth Finvest is simple yet impactful: ensuring trust and respect in every client interaction. Transparency, fairness, and empathy are the building blocks of the company's DNA. No customer is treated as a borrower, but rather as a partner in the endeavor.
This all-inclusive approach has resulted in longstanding relationships, where many clients stay loyal for over a decade and have referred Jacinth to others, which reflects the company's committed credibility and care.
Tackling the Tough Terrains
Many MSMEs do not possess formal documentation, such as GST registration, income tax filings, or audited financials. Others fall into the 'new-to-credit' category, with no debt history or collateral. These gaps make them hard to underwrite through traditional systems.
Jacinth Finvest meticulously tackles this challenge with a two-pronged assessment model, a combination of digital analytics and practical engagement. Data such as bank statements are analyzed via digital analytics, and the team also undertakes its own on-site assessment by interacting with clients, suppliers, and sometimes neighboring businesses.
This systematic assessment provides a 360-degree view of the real business cash flows and allows fair and self-assured lending to those often ignored by mainstream financial institutions.
Client-First Model
What truly sets Jacinth Finvest apart from others is its lending philosophy focused on client relationships. The company believes that client relationships matter the most beyond data and documentation, building trust through personalized financial guidance. Clients, especially those new to credit, are guided at every stage, from merely obtaining the basic registrations to refining their financial literacy.
This client-first model has yielded successful results as Jacinth proudly maintains low Gross NPA ratio fully provisioned, standing well ahead of industry benchmarks.
The success of the client-first lending business model is backed by a team rich in experience and empathy. The outstanding expertise of their senior leadership with 20+ years of experience and mid-level managers with 12+ years of experience in financial services ensures well-structured and efficient client touch points, including credit assessment, documentation, and servicing.
Also, Jacinth partners with third-party digital enablers to automate clients' access to documents, avoiding lengthy and cumbersome paperwork. This strategic framework results in an end-to-end lending journey that makes the clients feel so effortless, from application to repayment.
“Jacinth partners with capacity-building organizations to support MSME clients develop financial management, marketing, and business growth capacities”, expresses Sucharita.
Future-Ready Roadmap for Financial Inclusion
Envisioning the future, the company's roadmap is focused on speed, personalization, and digital excellence. By leveraging artificial intelligence and advanced analytics, Jacinth strives to offer pre-approved and need-based loans even before clients apply.
Jacinth has already reduced disbursement timelines for secured loans from two weeks to one day and aims to make this the standardized experience.
For unsecured loans, the goal is near-instant disbursal, redefining the MSME credit journey into one that is fast, transparent, and delightful.
Another primary area of focus is to improve their mobile app ecosystem and functionality, integrating supplier linkages, document retrieval, and real-time support for seamless service experience and support 24x7. At its core, Jacinth Finvest continues to redefine how credit reaches India's growth engines with innovation, empathy, and trust.
Jacinth Finvest keeps its vision influential: to make finance accessible, transparent, and transformative for every entrepreneur who dares to dream. “More than a financial organization, Jacinth Finvest is a catalyst for inclusive growth powering ambitions and fulfilling dreams of the micro and small entrepreneurs. We listen to clients, understand their challenges, and build solutions that genuinely meet their needs”, Sucharita concludes.
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