Aarambh Micro Credit Forum aims to make financial services easily available to the financially excluded and MSME entrepreneurs.


To be an engine of inclusive growth for India and help provide financial services to low income households in a responsible and transparent .

Our Values

Aarambh Micro Credit Forum values are intact from inception and are based on transparency, fairness, meritocracy, Learning, Respect, and Discipline.

About Company

Aarambh Micro Credit Forum is a new generation Micro Finance Company which is headquartered in Unnao, Utar Pradesh.

Aarambh Micro Credit Forum is focussed on meeting the financial needs of the rural and semi urban population. Currently it is offering Microcredit and other credit products like Micro Enterprise Loan, Income Generation Loan etc. Through these products it aims to reach the lives of the “Bottom of Pyramid” and the "Missing Middle" customers and contribute in financial inclusion.

Aarambh Micro Credit Forum offers loans for income-generating activities such as livestock, agriculture, trading and production businesses. These loans support clients financial leverage, household and business economy development. Beyond traditional lending, the company offers loans for women entrepreneurs and special energy and resource efficiency loans for business improvement.

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Market Overview

Despite a crowded microfinance landscape and established lending models, India's sizable low-income population presents a significant opportunity for the microfinance sector.
State Region CAGR YOY Growth
Apr'20 to Mar'22 Apr'20 to Mar'21 Apr'21 to Mar'22 Apr'22 to Mar'23
Bihar East & NE 13.2% 11.0% 22.1% 37.3%
Tamil Nadu South 7.5% -1.3% 14.7% 26.9%
Uttar Pradesh North 16.6% 18.0% 29.4% 41.3%
West Bengal East & NE 0.3% 23.0% -13.1% -5.0%
Karnataka South 10.5% 9.2% 16.0% 29.9%
Maharashtra West 10.5% 10.9% 18.2% 25.7%
Madhya Pradesh Central 9.3% 15.6% 10.5% 22.3%
Odisha East & NE 8.7% 11.7% 13.3% 20.1%
Rajasthan West 11.2% 20.0% 13.7% 24.5%
South Kerala 7.3% 3.2% 13.5% 21.4%

Aarambh Credit Products

Income Generation Loans

  • 10000-50000 (Multiples of 5000).
  • Livestock, vegetable, vending, Family, enterprises, Artisans, etc.
  • ROI: 28%
  • Tenure: 12-24 months
  • LPF: 2%
  • Insurance premium as actual.
  • Repayment Frequency: Fortnightly

Product Loans

  • 2000-20000
  • Solar product, Induction
  • Co-terminus with an existing loan.
  • ROI 28%
  • Tenure: 12 months
  • LPF: 2%
  • Insurance premium as per actual.
  • Repayment Frequency: Fortnightly / Monthly

Home Improvement Loans

  • 50000-75000 (Multiples of 10000)
  • Toilet & Bathroom repair, roofing, Building staircase, Flooring, Doors & Windows for House, House plastering and painting Interior or exterior fully or partial, Borewell, etc.
  • ROI: 28%
  • Tenure: up to 36 months
  • LPF : 3%
  • Insurance premium as actual.
  • Repayment Frequency: Monthly

Business / MSME Loans

  • 70000-500000
  • Business enterprise Vintage > 2 years
  • Residence Vintage > 3 years
  • ROI : 28 %
  • LPF : 3% of the loan amount.
  • Repayment Frequency: Monthly.

Board Of Directors & Members

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