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 Approved by RBI

Overview

At Vallabhi Capital Private Limited (VCPL), we believe that financial empowerment fuels economic growth. As a Non-Banking Financial Company (NBFC) specializing in MSME Loans, we are committed to bridging credit gaps and creating new opportunities for India's entrepreneurs and businesses.

Micro, Small, and Medium Enterprises (MSMEs) form the backbone of India’s economy—driving 30% of the GDP, supporting over 110 million jobs, and contributing nearly 45% of the country’s exports. At Vallabhi Capital, we recognize their vital role and dedicate ourselves to fueling their ambitions with customized financial solutions that enable growth, innovation, and resilience.

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Our Solutions Are Tailored For:

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

At Vallabhi Capital, our customers are at the heart of everything we do. Every loan we offer is backed by our core principles—transparency, grassroots engagement, and empowerment—building long-term relationships and trust among the communities we serve.

Manufacturers

Traders

Service Providers

Exporters

Contractors

Startups

Professionals

Retailers

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

Our vision is to build a financially inclusive society of entrepreneurs by providing them with sustainable capital, thereby contributing to employment generation and the GDP of India.

Mission

Empowering individuals and the MSME sector by providing accessible, innovative, and ethical financial solutions, leveraging technology to enhance accessibility, and expanding into new markets to foster sustainable growth, financial inclusion, and transformative success.

Our Strategic Priorities

Fortifying Stability Fortifying Stability

Strengthening risk management for resilience and growth.

Driving Digital Excellence Driving Digital Excellence

Investing in technology to enhance platforms and customer interfaces.

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

Gaurav Sondhi

Gaurav Sondhi

Sr. Manager Marketing

A seasoned professional with over 15+ years of experience in marketing, and product management. He specialises in driving business growth through innovative strategies and data-driven decision-making. Gaurav has a proven track record of successfully managing teams and implementing effective offline and online marketing campaigns. With core competencies, including strategic branding and positioning, digital and offline marketing campaigns, and data- driven market analysis.

Gaurav Sondhi

Sr. Manager Marketing

Mr. Kaval Bali

Mr. Kaval Bali

Sales

With over 18 years of extensive experience in sales and marketing, including a successful 8-year tenure with Allahabad Bank, Mr. Kaval Bali brings a wealth of industry knowledge and strategic insight to our team. Known for a results-driven approach and a deep understanding of customer engagement, he has consistently delivered growth through innovative marketing strategies and strong relationship-building.

Mr. Kaval Bali

Sales

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 repayment terms are being met, Reporting to senior management on portfolio health and credit risks and support the company's operations and growth.

Mr. Rishabh Agarwal

Credit & Operations

Ms. Ambily Santhosh

Ms. Ambily Santhosh

HR Manager

With over 20 years of experience in Human Resources, Mrs. Ambily Santhosh specialises in employee relations, recruitment, training and development, performance management, and policy implementation. Backed by a postgraduate degree in Human Resources Management, her strategic approach to HR fosters organizational growth and cultivates a culture of inclusivity and collaboration.

Ms. Ambily Santhosh

HR Manager

Ms. Nikita Tyagi

Ms. Nikita Tyagi

Treasury Head

Ms. Nikita Tyagi is an accomplished professional with a broad range of responsibilities at Vallabhi Capital Private Limited. With her diverse background in finance, law, and commerce, combined with extensive experience in microfinance and the NBFC sector, she is playing a crucial role in driving the financial strategy and operations of the company.

Ms. Nikita Tyagi

Treasury Head

CA Suman Shekhar

CA Suman Shekhar

Finance and Accounts

Mr. Suman Shekhar is a qualified Chartered Accountant with a strong foundation in audit, direct tax, and indirect tax. Over the years, he has gained diverse experience through roles in leading organizations, including the Corporate Banking Group at ICICI Bank. He began his professional journey with articleship at TKC, where he developed a solid understanding of financial compliance and assurance services.

CA Suman Shekhar

Finance and Accounts

CS Sneh Chauhan

CS Sneh Chauhan

Strategy & Execution

Ms. Sneh Chauhan, a qualified Company Secretary (CS) with a law degree and a master's in commerce, brings over more than 9 years of valuable experience to ensures VCPL's business development and implementation of strategies.

CS Sneh Chauhan

Strategy & Execution

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 process automation, system implementation (LMS/LOS), and portfolio monitoring to enhance transparency, governance, and operational efficiency. Brings a structured, analytical, and technology- led approach to strengthening investor confidence and long-term value creation.

Ms. Tanvi Rani

Investor Relations