Second

 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

Meet Our Board of Directors

Mr. 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 leadership, Vallabhi Capital has built a robust structured lending model, targeting niche markets with a focus on MSME lending. His strategic insights and deep industry understanding have positioned VCPL as a provider of innovative financial solutions.

Mr. 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 VCPL remains at the forefront of technological advancements, driving growth and delivering value to the company and its stakeholders.

Mr. Divesh Mishra

Director and Business Head

Mr. Divesh Mishra brings four decades of extensive experience in the banking sector, having worked with industry giants such as the State Bank, HDFC Bank, Société Générale (A European financial services groups), and Bank International Indonesia. Being the National Head of Business Bank and MSME Lending, Corporate Banking, internet banking, credit management, financial inclusion, and operations, he pioneered electronic banking solutions for large corporates. An alumnus of IIM Kashipur, Mr. Mishra plays a pivotal role in shaping VCPL’s strategic direction.

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 solutions, financial inclusion, and payment solutions. Holding a Ph.D. and a D.Litt. in Banking and Finance, Dr. Bansal provides valuable insights and guidance to VCPL’s strategic initiatives.

Mr. 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 leadership, Vallabhi Capital has built a robust structured lending model, targeting niche markets with a focus on MSME lending. His strategic insights and deep industry understanding have positioned VCPL as a provider of innovative financial solutions.

Mr. Rajiv Agarwal

Founder & CEO

Mr. 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 VCPL remains at the forefront of technological advancements, driving growth and delivering value to the company and its stakeholders.

Mr. Ishan Agarwal

Director

Mr. Divesh Mishra

Director and Business Head

Mr. Divesh Mishra brings four decades of extensive experience in the banking sector, having worked with industry giants such as the State Bank, HDFC Bank, Société Générale (A European financial services groups), and Bank International Indonesia. Being the National Head of Business Bank and MSME Lending, Corporate Banking, internet banking, credit management, financial inclusion, and operations, he pioneered electronic banking solutions for large corporates. An alumnus of IIM Kashipur, Mr. Mishra plays a pivotal role in shaping VCPL’s strategic direction.

Mr. Divesh Mishra

Director and Business Head

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 solutions, financial inclusion, and payment solutions. Holding a Ph.D. and a D.Litt. in Banking and Finance, Dr. Bansal provides valuable insights and guidance to VCPL’s strategic initiatives.

Dr. Nirmal Bansal

Independent Director

Steered By Our Visionary Management