About Us
1
Branch
2
Employees
500+
Customer Database
About BIBHUTI MICRO FINANCE PRIVATE LIMITED
We are a Non-Banking Financial Company – Microfinance Institution (MFI) dedicated to empowering underserved and low-income communities across India. With a special focus on women, smallholder farmers, and informal workers, we offer ethical, affordable, and transparent financial services to help them unlock economic opportunities and build a better future.
Mission
To empower underserved and financially excluded individuals and communities by providing accessible, affordable, and sustainable financial services that promote economic independence and social upliftment.Vision
To build a financially inclusive society where every individual, regardless of their socio-economic status, has equal access to financial resources, opportunities, and the ability to improve their quality of life.
Our Objectives
Financial Inclusion:Bring affordable microfinance services to low-income households with an annual income of up to ₹3,00,000, as per RBI’s NBFC-MFI guidelines.
Livelihood Development:
Support income-generating activities in agriculture, livestock, small trade, and home-based work through tailored financial products.
Women-Centric Empowerment:
Promote financial independence and self-reliance among women by offering individual and group loans designed for their needs.
Digital Reach & Last-Mile Delivery:
Use digital tools and field agents to reach remote communities with safe and efficient financial services.
Client Education:
Build financial literacy and awareness among clients, helping them make informed decisions about credit and savings.
Ethical Lending:
Maintain transparency, prevent over-indebtedness, and adhere strictly to RBI’s borrower protection norms and pricing guidelines.
Our Values
Built on four pillars, our culture endeavours to create an indomitable financial organization.
Inclusiveness
We serve all eligible clients with fairness, regardless of their background, with a focus on the most excluded and vulnerable.
Dignity & Respect
Every client is treated with humanity, respect, and as a partner in their journey to economic security.
Accountability
We take full responsibility for our actions and maintain transparency with clients, regulators, and partners.
Empowerment
We help individuals build self-reliance through access to finance, knowledge, and opportunity.
Transparency
Clear communication on interest rates, fees, repayment terms, and borrower rights is central to our operations.
Impact-Driven
We measure success not just by numbers but by the lives changed and communities uplifted.
Meet Our Team
Director Guriya Ray
Even with a lean team, we are deeply committed to delivering responsible microfinance solutions to underserved communities. Our leadership team and field team work closely to ensure transparency, efficiency, and impact at every step.