Who we are
A Trusted Partnerin Empowerment.
RBI-registered NBFC-MFI established in 2021 with a mission to expand access to formal credit for underserved communities at the bottom of the economic pyramid.
Story & Beliefs
The Beliefs that Shape our Journey.
Vision
To create a future where every rural individual has the opportunity to thrive, where access to financial resources empowers communities to reach their full potential.
Mission
Driven by our passion for rural development, our mission is to provide accessible and inclusive financial services that enable entrepreneurship, enhance livelihoods, and foster sustainable growth in rural areas.
Commenced operations with its first branch in August 2021 and has rapidly expanded across six states, serving low-income households through customised microfinance solutions.
Currently operating across Uttar Pradesh, Bihar, West Bengal, Jharkhand, Uttarakhand, and Assam, with planned expansion into Odisha, Andhra Pradesh, Telangana, and Madhya Pradesh.
Focused on supporting women-led enterprises by providing accessible business loans for income generation, working capital requirements, and entrepreneurial aspirations.
Built a responsible lending model centred on prudent risk assessment, customer repayment capacity, and sustainable portfolio growth, while leveraging technology-enabled processes and field-led customer engagement.
Core Values
Principles that Guide Everything We Do.
01
Excellence
Striving for the highest standards in everything we do, consistently delivering value to our borrowers, communities, and stakeholders.
02
Respect
Treating all stakeholders with dignity, courtesy, transparency, and fairness at all times across all interactions.
03
Collaboration
Working together to achieve common goals, building enduring relationships grounded in mutual trust, respect, and shared purpose.
04
Perseverance
Never giving up in the face of challenges, facing adversity with courage, resilience, and unwavering commitment to our mission.
Board of Directors & Executive Leadership
Leaders Guiding our Strategy
Mr. Avinash Kumar
Director & Chief Operations Officer
A seasoned banking and financial services professional, he serves as the COO of DJT Microfinance and brings over 25 years of rich industry experience. An MBA from FMS Delhi, he has held leadership positions across reputed institutions, including Fullerton India Credit, Kotak Mahindra Bank, SREI BNP Paribas, IDFC Bank, and Religare Finvest. His expertise spans business expansion, operational excellence, credit risk management, and process optimisation, enabling the organisation to achieve sustainable growth while maintaining strong governance and asset quality.
Mr. Manjinder Singh
Director
He oversees the Company’s finance function and brings over 24 years of extensive experience in banking, corporate finance, and financial management. Prior to joining DJT Microfinance, he served as Chief Financial Officer at Maccaferri India, where he spearheaded financial planning, treasury management, and strategic cost optimisation initiatives. Over the course of his distinguished career, he has held senior leadership positions with leading organisations such as Hughes Communications, Honeywell Automation, and J.K. Industries.
Mr. Maneesh Prasad
Director
He brings extensive experience in infrastructure development, project management, and operational leadership. With a strong academic foundation in Civil Engineering, he has held key positions with organisations such as NPCC and Rental Stay Pvt. Ltd., where he successfully managed large-scale infrastructure and operational projects. At DJT Microfinance, he plays a pivotal role in driving branch expansion, strengthening operational controls, ensuring regulatory compliance, and enhancing execution efficiency across the organisation. His expertise in managing complex operations and scaling business infrastructure continues to support the Company’s growth and expansion objectives.
Mr. Sameer Bajpai
Director
A postgraduate from Kanpur University, Sameer Bajpai has built a distinguished career spanning retail and consumer-focused industries. He has been associated with leading organisations including Evok by Hindware, HyperCITY Retail India Ltd., Metro Cash & Carry India Pvt. Ltd., Future Group, Parle Agro, and Pidilite Industries Ltd., gaining extensive expertise in business management, retail operations, and strategic growth.
Mr. Durgesh Pandey
Group CTO
He is a technology and digital transformation leader with 20 years of experience across technology, enterprise applications, cybersecurity, data protection, and AI-led business transformation.He holds a Bachelor of Engineering (BE) from the University of Pune and an MTech in Artificial Intelligence & Data Science Engineering from IIT Patna. Over the course of his career, he has worked with leading organisations including Precision Information Technologies Pvt. Ltd., HCL, Publicis Group, Ester Industries Ltd., and IBM, gaining extensive experience across enterprise technology and digital transformation. Since Dec 2020, he has been associated with the DJT Group, where he leads the Group's technology strategy and transformation initiatives across IT Security, Digital Transformation, SAP, AI & Automation, Data & Analytics, and Data Protection. As Group CTO, he focuses on leveraging technology, data, and AI to build secure, scalable, and business-aligned digital platforms while driving technology modernisation and operational efficiency across the Group's businesses.
Our leadership combines decades of proven experience across banking, retail credit, civil infrastructure, risk governance, and large-scale operations.
Diversified Funding Base & Institutional Lenders
Powered by Leading Financial Institutions
State Bank of India (SBI)
Active Institutional PartnerIndian Overseas Bank (IOB)
Active Institutional PartnerCity Union Bank (CUB)
Active Institutional PartnerMuthoot Microfin
Active Institutional PartnerPAISALO Digital
Active Institutional PartnerFunding Structure:
58.67% Commercial Banks · 6.86% NBFCs · 34.47% Others / DFIs — supporting disciplined rural credit delivery.