Our Philosophy


To be a customer centric and integrated financial services provider creating a positive impact on lives and livelihoods of our customers


Svamaan Financial Services aims to serve the financially excluded households and enterprises in the most viable and sustainable manner

Our Approach

At Svamaan, we believe each and every customer has unique and evolving financial needs which needs to be understood and catered-to in a sustainable manner to drive lasting impact. Our approach rests on the 3 pillars of Factful Methodology, Digital DNA and Driving Impact

Svamaan financial services

Factful Methodology

Our Data Based approach is aimed at understanding these differences

  • We utilize tenets of fact based methodology suggested by Dr. Hans Rosling for measuring household status
  • Demographic, Income, Housing and retail credit assessment of co-borrower are utilized to gauge financial inclusion status
  • Products & services including loan amount are customized to customer needs and requirements
Svamaan financial services

Digital DNA

India is on a sure & sustained path towards digital inclusion and all our products and processes are oriented to cater to this new digital maturity

  • Mobility led approach for all our processes including Loan Origination, Loan Management and Collections using Svamaan App
  • Completely paperless and cashless disbursement process from inception
  • Focus on automation of key tasks with an aim to moving towards zero touch (and straight through) credit assessment for all our customers
Svamaan financial services

Driving Impact

We believe a broader financial services product portfolio, in addition to traditional lending, will be a key driver for effective financial inclusion

  • Partnership approach to offer a broader array of products catering to our customers requirements
  • Focus on training and a other social interventions to drive tangible impact
  • Emphasis on measuring of impact and social outcomes for our customers from inception