About UFin Financial Services Limited
An RBI-registered NBFC-MFI serving India's underserved communities — one of the growing Microfinance Institutions in India.
Our Story
UFin Financial Services Limited (formerly MSM Microfinance Limited) is a public company domiciled in India, incorporated under the provisions of the Companies Act 1956. We are a non-deposit accepting non-banking financial company (NBFC-MFI) registered with the Reserve Bank of India, holding an MFI certificate.
UFin Financial Services Limited is one of the growing Microfinance Institutions (MFIs) in India. The growth has been accomplished through its lean and talented management team, superior processes and unparalleled information technology systems. UFIN is on the trajectory to seeing exponential growth without compromising on quality.
Our Approach
In India, most low-income people have no access to bank loans, forcing them to borrow from private moneylenders at exorbitant rates. At UFin, we aim to reduce this social and economic imbalance by providing opportunities to grow. We believe that poverty cannot be eradicated by charity alone — sustainable growth through ethical microfinance, dedicated hard work, and transparency is the path forward.
We assist financially backward communities — especially women in rural and urban areas — by providing micro-credit loans for income-generating activities and guiding them with potential business opportunities. Loans are issued under the Joint Liability Group (JLG) model, where every member mutually guarantees each other.
1
Group Formation
5 women from similar economic backgrounds form a Joint Liability Group, mutually guaranteeing each other's loans.
2
Credit Assessment
Field officers evaluate income-generating potential and verify group member eligibility at the household level.
3
Loan Disbursement
Collateral-free loans from ₹30,000 to ₹75,000 are disbursed directly, enabling immediate business investment.
4
Repayment & Growth
Weekly, fortnightly, or monthly repayments. On-time repayers qualify for higher amounts and lower rates.
Our People
People are the most vital organizational asset at UFin. We invest in recruiting, training, motivating, and retaining top talent across our 82 branches and 443 employees. Our team is our differentiator — every field officer, branch manager, and operations lead shares the mission of financial inclusion.
Chairman's Message
Dear Shareholders,
I am happy to connect with you through this message. The past couple of years have been a period of intense action and reflection. We have seen a global pandemic, geopolitical tensions, supply chain disruptions and many other public and private upheavals. As the dust settles, and a clearer picture of the world ahead emerges, I believe we are standing at the threshold of a period of great opportunity and growth.
UFin, even though had been through the three successive waves of Covid and the organizational transformations that these entailed, showed remarkable resilience and adaptability. During the year, we laid down our Transformation Journey “The Way Forward”, articulating aspirational goals for AUM growth, asset quality, interest margins, cost ratios, ROA and more.
At UFin we have been tirelessly working towards providing formal financial support to the marginalized. Empowering women and uplifting their lives have been one of our major focus areas. We provide affordable credit to women to help start their new businesses and also help in expanding them further. Going ahead, our focus will be on increasing financial reach to the corners of the country, uplifting lives of the underserved population and most importantly marginalised women.
With our strong foundation and position in the industry, we are confident of seizing the upcoming opportunities in the microfinance space in India. Steadily expanding its transformation capabilities, UFin is moving from pursuing opportunities to shaping those opportunities in the years ahead.
Together we shall come out stronger.
MKS
Mr. Mohan Kumar Subramanyam
Chairman & Managing Director