A quick & transparent process
Vision and Mission
Vision
2030 तक, 1 मिलियन सीमांत सूक्ष्म और एम.एस.एम.ई उद्यमियों को कैशलेस वित्तीय व्यवस्था की मुख्यधारा में लाना।
Mission
कैशलेस, पेपरलेस और प्रभावशाली कंपनी बनने की दिशा में ``भारत`` में उद्यमिता के समावेशी विकास में योगदान करने हेतु डिजिटल एवं वित्तीय साक्षरता के माध्यम से अपने ग्राहकों के प्रोफाइल में सकारात्मक बढ़ोतरी लाना।
SUGMYA speaks’ itself….
Simplicity
Upgradation
Growth
Modernization
Yielding
Authenticity

30
Years of cumulative experience
ABOUT COMPANY
We are Sugmya Finance
Operating as a systemically important non -Deposit taking NBFC bearing RBI registration No. N-14.03463 with its headquarters in Delhi, Sugmya finance embarked on remarkable journey dedicated to the financial & social Empowerment of the less privileged middle class entrepreneurs.
The organization has been the forefront of extending small Business Loan for promoting entrepreneurship and regulatory and legal requirements, establishing itself as a paragon of integrity.
Sugmya Finance was registered on 2019 and over the years, the company has scripted a saga of success over the past one decade. The institution’s geographic footprint spans over 13 states and with 278 branches & 625+ Cr. AUM. the branch network is extending to newer states.
Impact
Our Impact Overview
12 +
Number of States
100 +
Number of Districts
276 +
Number of Branches
2 Lakh+
Total No. Active Loans
600 Cr+
Total Portfolio-Outstanding
1250 Cr+
Total Cumulative Disbursement
Our Expert Team
Leadership Team Members

Abhay Thakkar

Praveen Kr. Verma

Sonu Choudhary

Rinku Singh

Abhishek Kumar

Sarika Bhatiani

Megha Sharma

Tarwar Singh Shilpi

Sachin Joshi

Sagar Srivastava

Mohan Chandra Joshi

Sumit Bhojwani
What customers say about us.
CUSTOMERS TESTIMONIALS

Meena, 29, lives in Barwala village, Moradabad, Uttar Pradesh, with her husband and their three-year-old child. Six years ago, she married into a family engaged in the brass utensils business. Despite her active involvement, they struggled to earn ₹14,000 to ₹15,000 monthly due to inadequate machinery. In 2021, tragedy struck as Meena lost her in-laws to COVID-19, causing severe financial strain. Borrowing from relatives became necessary to sustain the business. In 2023, seeking a turnaround, Meena and her husband secured a ₹40,000 loan and an additional ₹1,00,000 from another source, investing the entire amount to enhance their operations. Their efforts paid off, and Meena’s income soared to over ₹50,000 monthly, with even higher sales during festivals and marriage seasons. They saved a substantial amount in the bank, and their business is now valued at almost ₹2,00,000. Meena’s journey from financial struggles to a stable, successful business highlights her resilience and determination. Her hard work and smart financial decisions transformed their enterprise, ensuring a brighter future for her family.

Anju Kumari, a 25-year-old from Hapur, Uttar Pradesh, embarked on her entrepreneurial journey in 2018. Married and living in a pucca house with her husband and two children, Anju faced financial challenges with her husband’s modest photo studio shop earnings in Delhi. Determined to improve their situation, Anju started a cotton wick business in 2021, initially funded by a loan from some of her relatives. Despite early struggles, her persistence paid off as she gradually built a customer base, increasing her sales and earnings. In 2022, Anju joined Sugmya, receiving a ₹40,000 loan that boosted her business significantly. Alongside her entrepreneurial efforts, she also supported her husband’s studio, leading to its expansion and the hiring of three workers. By 2024, another Sugmya loan of ₹50,000 further strengthened their financial position, with her household earnings rising to ₹25,000 monthly. With monthly sales between ₹30,000 and ₹50,000, her profits reached ₹10,000 to ₹15,000. During festivals, sales soared even higher. Today, Anju enjoys economic stability and is committed to providing the best education for her children, ensuring a bright future for her family. Her journey from financial struggles to success is a testament to her determination and hard work.

Kajal Tyagi, 45, from Kalheta village in Hapur, Uttar Pradesh, lives with her husband and daughter. Initially residing in a rental house in Delhi, her husband’s driver job earning ₹18,000 per month made city life challenging. In 2012, they returned to their hometown and started a poultry farm with a ₹50,000 loan. The business thrived initially but had to close in 2017 due to family reasons. Facing financial difficulties, Kajal’s husband turned to farming, but the income was irregular. In 2018, Kajal secured another ₹50,000 loan to buy a buffalo, but the earnings were insufficient. In 2019, she started a home-based saree business with ₹25,000 savings, quickly earning a net profit of ₹10,000 and growing her income to ₹25,000-₹35,000 per month. Despite COVID-19 setbacks, Kajal managed her business from home until 2021. Postlockdown, she expanded to a market shop with a ₹2,00,000 loan. Today, Kajal’s diversified monthly earnings include ₹5,000 from farming, ₹20,000-₹30,000 from animal husbandry, and over ₹50,000 from her saree shop. Her husband handles farming while she focuses on the saree business, ensuring financial stability and quality education for their daughter. Kajal’s entrepreneurial journey highlights her resilience, determination, and hard work.

Nilam, a 40-year-old from Gajraula, Uttar Pradesh, lives with her husband and two children. Originally from Moradabad, her husband worked as a technician earning ₹7,000 monthly, making it hard to manage expenses. Nilam, utilizing her sewing skills, earned about ₹3,000 monthly from part-time work. In 2019, Nilam opened a boutique shop, significantly increasing her earnings and training nearly 50 local girls. However, in 2022, her husband left his job, putting financial strain on Nilam. In 2023, she opened a general store, using her savings. Despite initial success, stock shortages due to high demand became an issue. In 2024, Nilam took a ₹50,000 loan, expanding her store. With her husband managing it fulltime and her contributing when possible, their income re-stabilized. Today, they earn between ₹35,000 and ₹40,000 monthly, invest in their children’s education, and have built a two-room pucca house with attached toilets. Nilam’s journey from struggling to successful entrepreneurship highlights her determination and adaptability.