Since inception, the corporate has raised roughly Rs 477 crore in fairness, with buyers together with TVS Capital, Lok Capital, Evolvence Fairness Companions, and Paragon Companions. Founder-CEO Vivek Bansal holds 49%, whereas institutional buyers account for about 35.5% of fairness, indicating robust alignment between administration and capital companions.
The ranking rationale was SFCPL’s wholesome capitalisation, sturdy investor backing, and skilled administration crew.
Founder-CEO Vivek Bansal stated, “Securing an A- ranking from ICRA in our first yr validates our governance, danger framework, and execution capabilities, reflecting investor and lender confidence in our method to MSME lending.”
Saarathi Finance began lending operations in April 2025 and reported belongings underneath administration (AUM) of roughly Rs280 crore as of December 31, 2025. The portfolio largely contains secured enterprise loans backed by mortgage, with 15–20% publicity to unsecured enterprise loans anticipated over the medium time period. The corporate operates 62 branches throughout six states reminiscent of Uttar Pradesh, Rajasthan, Karnataka, Andhra Pradesh, Telangana, and Tamil Nadu and goals to broaden to 70–75 branches by March 2026.
ICRA within the report stated the corporate’s operations are at a nascent stage, with excessive preliminary bills from constructing programs, processes, and manpower. SFCPL posted web losses of Rs3.4 crore in FY25 and Rs4.4 crore in H1FY2026, largely attributable to startup prices, together with a one-time Rs3.5 crore stamp responsibility. Payment-based revenue from debt syndication and mortgage collections at the moment helps earnings till core lending stabilises.
The company additionally highlighted that SFCPL’s capacity to scale operations profitably whereas sustaining resilient asset high quality, together with a well-diversified funding profile, shall be key to sustaining the ranking. Liquidity stays sufficient, with Rs389 crore in money and investments and unutilized credit score strains of Rs152 crore, it stated.
