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Overview

At Vallabhi Capital Private Limited (VCPL), we believe that the correct financial backing allows businesses to flourish confidently. As a Non-Banking Financial Company (NBFC) that specializes in MSME loans, we provide simple, affordable, and dependable financing options that enable entrepreneurs to achieve their goals and businesses to grow confidently. 

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of India's economy, accounting for about 30% of the country's GDP, more than 110 million jobs, and nearly 45% of exports. Vallabhi Capital recognizes the critical role MSMEs play in fueling economic growth. Nearly 70% of MSMEs still do not have access to formal financing. Vallabhi Capital bridges this gap by providing customized financial solutions and promoting financial inclusion.

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Our Solutions Are Tailored For:

We maintain a sharp focus on fostering growth beyond metro cities, empowering businesses across Tier 2 and Tier 3 cities where opportunities are abundant but access to funding is often limited. In addition, we provide last-mile funding for critical infrastructure projects such as hospitals, educational institutions, and commercial establishments, helping build stronger communities.

At Vallabhi Capital, our customers are at the heart of everything we do. Every loan we offer is guided by our core principles: transparency, grassroots engagement, and empowerment—helping us build long-term relationships and trust within the communities we serve.

Manufacturers

Traders

Service Providers

Exporters

Contractors

Startups

Professionals

Retailers

Our Values

Innovation

We craft forward-thinking, flexible loan solutions, adapting dynamically to the evolving MSME landscape.

Dependability

As a trusted partner, we consistently deliver on promises, supporting clients through every financial phase.

Customer Focus

We prioritize client goals with tailored financial solutions, empowering businesses to innovate and grow.

Technology-Driven Excellence

Leveraging cutting-edge technology, we make accessing capital seamless, fast, and efficient, meeting MSME needs with precision.

Vision

We envision a financially inclusive ecosystem where every entrepreneur and MSME has access to the capital needed to grow with confidence. By providing customized financial solutions, we help businesses expand, create jobs, and strengthen India's economy through sustainable and inclusive growth.

Mission

Empowering individuals and MSMEs with accessible, technology-driven, and ethical financial solutions, enabling business growth, financial inclusion, and sustainable success through innovative lending and customer-centric services.

Our Strategic Priorities

Driving Digital Excellence Driving Digital Excellence

Investing in technology to enhance platforms and customer interfaces.

Innovating for Impact Innovating for Impact

Launching tailored financial products to meet diverse customer needs.

Fortifying Financial Stability Fortifying Financial Stability

Strengthening risk management for resilience and growth.

Empowered by Expertise Empowered by Expertise

Leveraging a skilled team and technology for portfolio insights.

Reaching the Unreached Reaching the Unreached

Expanding opportunities in Tier-2 and Tier-3 cities.

Meet Our Board of Directors

Rajiv Agarwal

Rajiv Agarwal

Founder & CEO

Mr. Rajiv Agarwal brings extensive expertise in the financial services sector. As a Chartered Accountant, he has developed a strong foundation in debt management, strategic business planning, risk management, and financial restructuring. Under his visionary le...
Ishan Agarwal

Ishan Agarwal

Director

With over a decade of experience spanning IT and ITES services, e-commerce, and FMCG, Mr. Ishan Agarwal has held key roles at leading organisations, including Tata 1mg and Patanjali Ayurveda Limited etc. His expertise in technology and innovation ensures that ...
Dr. Nirmal Bansal

Dr. Nirmal Bansal

Independent Director

Dr. Nirmal Bansal offers four decades of rich experience in banking and financial services, having served organisations like HDFC Bank, Corporation Bank, Times Bank, and FINO Payment Bank. His expertise spans wholesale banking, government business, digital sol...

Steered By Our Visionary Management

Mr. Rishabh Agarwal

Mr. Rishabh Agarwal

Credit & Operations

Mr. Rishabh Agarwal, holding a Bachelor's degree in Law and a graduate degree in Commerce, oversees Assessing credit applications and deciding loan eligibility, Managing the approval of loans and lines of credit, Monitoring borrower accounts to ensure that rep...

Mr. Rishabh Agarwal

Credit & Operations

Ms. Sneh Chauhan

Ms. Sneh Chauhan

Company Secretary

Competent professional with 10+years’ comprehensive experience as a Company Secretary with extensive exposure spanning the entire range of corporate secretarial, legal functions, NBFC Compliances, Listing Compliance’s, investor relations, Strategy & Execut...

Ms. Sneh Chauhan

Company Secretary

Ms. Ambily Santhosh

Ms. Ambily Santhosh

HR Manager

With over 20 years of experience in Human Resources, Mrs. Ambily Santhosh specializes in employee relations, recruitment, training and development, performance management, and policy implementation. Backed by a postgraduate degree in Human Resources Management...

Ms. Ambily Santhosh

HR Manager

Ms. Tanvi Rani

Ms. Tanvi Rani

Investor Relations

A results-driven finance professional with strong exposure to credit risk, financial analysis, and digital lending ecosystems, actively working alongside senior management. Proven ability to support investors communications, and performance analytics. Adept at...

Ms. Tanvi Rani

Investor Relations

Mr. Raj Kamal Sahni

Mr. Raj Kamal Sahni

Mr. R. K. Sahni brings 45+ years of banking experience across retail banking, credit, NPA management, risk administration, and branch operations, with leadership roles at the State Bank Group, Om Infra Ltd, and FinIndia Credit & Finance Ltd.

Mr. Raj Kamal Sahni

Mr. Rajeev Gupta

Mr. Rajeev Gupta

Strategic IT Leader with 30+ years of global experience in digital transformation, ERP, CRM, cloud solutions, and IT consulting, driving technology-led business growth across international markets.

Mr. Rajeev Gupta