About Us
Prayas Financial Services Pvt Ltd (PFSPL) is a Non-Banking Financial Company – Microfinance Institution (NBFC–MFI), registered with the Reserve Bank of India and commenced operations on February 6, 2020. Incorporated on March 3, 2017, PFSPL is committed to empowering financially underserved households and informal micro-enterprises by providing them with access to need-based financial products and services that promote self-sufficiency and economic resilience.
PFSPL is a wholly owned subsidiary of Ananya Finance for Inclusive Growth Pvt Ltd (Ananya), a reputed NBFC with over a decade of experience in advancing financial inclusion for undeserved MSMEs and low-income households. Through this association, PFSPL continues to advance Ananya's developmental mission of uplifting low-income populations, helping them overcome financial barriers, and improving their quality of life.
By facilitating access to credit and essential financial tools, PFSPL strives to foster entrepreneurship, livelihood enhancement, and sustainable economic growth in underserved communities. Its focus lies in supporting income-generating activities such as small retail and service enterprises—including tea stalls, grocery shops, beauty parlours, welding units, repair workshops, fruit and vegetable vending—as well as agricultural and allied ventures.
To ensure efficiency and transparency, PFSPL has implemented a fully automated end-to-end technology stack, enabling a seamless and paperless customer journey. The company's in-house proprietary Business Rule Engine (BRE) automates credit decisioning based on bureau data, while the Aadhaar–Bank Account–UPI integration ensures smooth digital operations. The technology framework combines in-house innovations with strategic external partnerships to enhance both customer and employee experiences.
Today, PFSPL is a trusted financial partner for low-income households and micro-entrepreneurs seeking growth and financial stability. Guided by a strong social mission, the organization firmly believes that equitable access to finance can catalyse lasting social and economic transformation. With a focus on empowering women to achieve economic independence and build sustainable livelihoods, PFSPL continues to expand its outreach through a network of branches across Gujarat, Rajasthan, Madhya Pradesh, Bihar and Uttar Pradesh.
Vision and Mission
Board of Directors
Surendra Srivastava
Independent Director
Mr. Surendra Srivastav holds around 37 years of professional experience with IDBI and SIDBI. He had last served as CFO and Board Member of Mudra, a subsidiary of SIDBI.
Abhisek Khanna
MD & CEO
Mr. Abhisek Khanna has around more than 20 years of professional
experience in the banking and financial sector across SME, Mid-Market,
Farm Equipment Finance and Microfinance.
Guerol M Sari
NON-EXECUTIVE DIRECTOR
Mr. Guerol M Sari is the COO of Gojo & Company. He has over 3 decades
of experience in retail banking, SME and digitization. He has worked
with banks and financial institutions across Europe, Africa and South
Asia.
Bhavana Srivastava
Independent Director
Ms. Bhavana Srivastava has over 25 years of experience in the development finance sector, working across Asia, Africa, and the Pacific. She specializes in providing strategic guidance on financial inclusion and sustainable development.
Mr. Sanjay Gandhi
Nominee Director, Gojo and Company Inc.
Mr. Sanjay Gandhi is the Co-founder and Chief Investment Officer of Gojo & Co. He is a Chartered Accountant with 24 years of experience, 10 years in conducting ratings of Microfinance Institutions and 14 years working with a NBFC as Head of Operations followed by CEO and Director. He is also serving on the Board of Ananya Finance for Inclusive Growth Private Limited.
Ms. Haruna Takeuchi
Nominee Director, Gojo and Company Inc.
Ms. Haruna Takeuchi is a professional with expertise in strategy, business development and incubation. She graduated from Tokyo University majoring in Economics. She is the Head of Corporate Planning and PMI of Gojo, working on strategy development, post-merger integration, corporate governance, social performance management, impact measurement, stakeholder impact management and any other projects that are needed to further enhance Gojo’s work. Ms. Haruna Takeuchi is a partner and board member of Social Venture Partners Tokyo, an NPO supporting seed stage social entrepreneurs to succeed. Currently, she is serving on the Board of Ananya Finance for Inclusive Growth Private Limited.
Products
Our lending ethos focuses on promoting income-generating activities, thereby empowering individuals and informal enterprises to embark on their entrepreneurial journeys and enhance their economic prospects. We provide loans to our valued members for starting new economic activity or for enhancing the capacity of the existing income generating activity. Our focus is primarily on women and microfinance graduates located primarily in small towns and villages in the north and western part of India. We also bundle credit life insurance to provide financial protection from untimely demise of member or co-borrower. Our loans are currently priced at a minimum, average, maximum ROI of 28% p.a. on a reducing balance method.
Our Partners
Contact us
Feel free to reach us anytime we will be more than happy to help you always
Location:
Corporate Office:
108,1st Floor,Orchid Business Park
Sector-48, Gurugram - 122018, Haryana, India.
Registered Office:
G-901, 9 th Floor, Titanium City Centre, 100 Ft Road, Satellite, Ahmedabad, Gujarat - 380015
Email:
care@prayasfinance.com
Call:
0124-4002821
Open Hours:
Mon-Sat: 9:30 am to 6:30 pm