SEEDS Fincap Private Limited is a Non-Banking Financial Company (NBFC-ND) established in 2019 with a simple purpose, to make finance accessible to underserved MSMEs across India. Over the years, we have built a strong presence across 8 states through a network of over 156 branches.
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Seeds Fincap Private Limited is a dynamic NBFC-ND committed to empowering Micro, Small and Medium Enterprises. Based in Gurugram, our mission is to serve 1 million MSMEs this decade.
Advanced credit assessment using cutting-edge technology and analytics.
Funds directly to client accounts. EMI via NACH, UPI. No paperwork.
Bridging credit gaps for MSMEs in Tier 2, Tier 3 and rural India.
Every enterprise has a different story, and every customer has a different financial need. At SEEDS, we offer a diverse range of financial solutions designed to support livelihoods, strengthen businesses, and help customers move forward with confidence.
For micro, small, and medium entrepreneurs in trading, manufacturing, and services. Fast approval, no collateral.
Unsecured · IndividualFor significant business expansion. Secured against property with competitive interest rates.
Secured · PropertyEssential working capital for dairy farmers. Unsecured & secured options available.
Agriculture · DairyInvoice-based financing for traders and manufacturers. Unlock working capital from receivables.
B2B · InvoiceSeeds Fincap raised Series A from Lok Capital and Matrix Partners India (Z47) — two of India's most respected investors. This milestone affirms our business model, growth trajectory, and commitment to financial inclusion.
Our commitment to innovation, customer experience, and financial inclusion has been recognized by industry leaders.
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156 branches across 130+ districts in 8 states
Backed by India's most trusted financial institutions and investors.
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Ready to grow your business? Let us find the right solution for you.
509, 5th floor, World Trade Centre, Babar Road, New Delhi -110001
Unit No. P606-P612 & 659, 6th Floor, JMD Megapolis, Sohna Road, Sector 48, Gurugram, Haryana, 122018
Mon – Sat: 9:00 AM – 6:00 PM
Rajasthan · Haryana · Punjab · UP · Bihar · MP · Uttarakhand · Gujarat
Apply for a loan and take your business to the next level
India's trusted NBFC-ND dedicated to bridging the credit gap for Micro, Small and Medium Enterprises.
SEEDS Fincap Private Limited is a Non-Banking Financial Company – Non-Deposit Taking (NBFC-ND), committed to making formal finance more accessible to micro, small and medium enterprises across rural and semi-urban India.
With a growing presence across 8 states through a network of over 160 branches, we stay close to the customers and communities we serve. Our diversified range of financial products is designed to address the evolving needs of entrepreneurs and support them at different stages of their business journey.
At SEEDS, we believe that access to finance should create opportunities beyond credit. Guided by trust, integrity and responsible lending, we aim to support stronger businesses, sustainable livelihoods and the financial empowerment of the communities we serve.
We make credit hassle-free, accessible, and fully digital. Cashless disbursement directly to client bank accounts, with transparent EMI repayments via NACH, UPI, and other digital modes.
No paperwork, no hidden costs — just efficient, tailored financial solutions.
Committed to financial inclusion, we support entrepreneurs in Tier 2, Tier 3, and rural areas — from small traders to dairy entrepreneurs — with customised business loans and no collateral burden.
Operating in 156 branches across 8 states — Haryana, MP, Punjab, Gujarat, Rajasthan, UP, Bihar, and Uttarakhand — expanding towards more states to serve every aspiring entrepreneur.
Led by a diversified BFSI leadership team, we offer robust risk management, technology-driven solutions, and a customer-first approach.
Your Growth Partner. Your Success Story.
of MSME credit needs remain unmet by traditional lenders — despite MSMEs contributing
We are here to change that.
Investment grade rating upgraded from BB+/Positive — affirming our financial strength.
Backed by Lok Capital and Matrix Partners India (Z47) — India's most respected impact investors.
Our mission: To serve the evolving financial needs of individuals, institutions, businesses and communities in ever changing financial services marketplace through progressive and superior financial solutions.
Transforming lives through financial independence and economic empowerment.
We are proud to announce that Seeds Fincap Private Limited has been awarded the Orange Seal Certification, recognizing our commitment to fostering gender equality and inclusive workplace practices.
Inspired by UN Sustainable Development Goal 5 (Gender Equality), the Orange Seal is awarded to organizations that demonstrate meaningful progress in creating equitable opportunities across their workforce, leadership, and value chain.
At SEEDS Fincap, we believe that true progress is built on diversity, equal opportunity, and an inclusive culture where everyone has the chance to grow and contribute.
This recognition reinforces our commitment to creating a workplace that empowers people, drives positive change, and supports sustainable growth.
We extend our heartfelt gratitude to our employees, partners, and stakeholders whose trust and dedication have made this achievement possible. Together, we will continue building a more inclusive and equitable future.
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Be a part of our mission to empower women through financial independence and economic freedom.
Empowering Dreams. Enabling Growth. A journey of resilience, innovation, and deep conviction.
Every powerful journey begins with a daring first step. For us, it was the dream of creating a new kind of financial institution — one that understands, empowers, and grows with India's micro and small enterprises.
Founded by Mr. Subhash Acharya , Mr. Avishek Sarkar and Mr. Sumeet Dhall, Seeds Fincap set out with a bold vision: to build a technology-first, customer-obsessed, and impact-driven NBFC.
From securing our RBI license to launching amid the uncertainties of a pandemic, our journey has been one of resilience, innovation, and deep conviction.
In just our first year, we raised ₹50+ crore from 15 esteemed lenders and introduced a 100% digital and cashless collection system — a rare feat in the MSME lending landscape.
But we are more than lenders. We are partners in progress — leveraging AI, big data, and ground-level insight to design customized products that grow with our customers.
We cater to a powerful yet underserved segment: businesses too large for microfinance, too small for traditional banking, yet vital to India's economy.
At the heart of our success is our people. With a culture that values performance, learning, and innovation, we are creating a workplace where ambition thrives and impact is celebrated.
Seeds Fincap is not just a company — it's a movement. A movement to unlock potential, fuel enterprise, shape the future of inclusive growth, and most importantly, to keep Empowering Dreams.
Whether you're an entrepreneur seeking capital or a professional wanting to build something meaningful.
Hear directly from the founders who built Seeds Fincap — their beliefs, mission, and resolve.
With over 18 years of experience in the financial services sector, I have been privileged to build and manage financial institutions from the ground up. My journey has taken me across diverse markets and communities. At SEEDS, my goal is to build an organization that people trust. I firmly believe that trust, integrity and responsible lending are the foundations of lasting relationships. Through SEEDS, my mission is not only to expand financial inclusion but also to empower entrepreneurs to grow their businesses and build a better future.
With over 15 years of experience in the financial services sector, I have worked across business planning, analytics, credit underwriting, audit and risk management. These experiences have taught me that sustainable growth begins with responsible lending. At SEEDS Fincap, I lead the Credit and Risk function. My focus is on building responsible credit practices and maintaining a healthy loan portfolio. I believe that good risk management is not about saying “NO”. It is about making the right decisions at the right time. My aim is to support willing and eligible entrepreneurs with responsible financial solutions while safeguarding the long term strength of the Company.
As a Chartered Accountant with over 25 years of experience, I have spent most of my career in the financial services sector. My journey has taught me that sound financial management is not only about maintaining stability,it is about powering possibilities. At SEEDS, I lead the Finance function. My focus is on building a strong financial framework based on transparency, accountability and disciplined financial practices. For me, finance is about more than numbers. Every number represents a business that is growing, an entrepreneur moving forward and a family building a better future. As SEEDS enters its next phase of growth, I remain committed to upholding strong financial governance and ensuring that our financial strategies continue to support the larger vision of the organisation.
Backed by leading financial institutions, equity partners, and innovative technology partners, we deliver on our promise of inclusive growth.
Seeds Fincap is backed by India's most respected impact and venture investors who share our vision of empowering MSMEs and driving financial inclusion across the country.
Lok Capital
Z47 aka Matrix
Norinchukin Capital
Alteria Capital
Seeds Fincap Private Limited is a Delhi based Non-Banking Financial Company – Non-Deposit Company ("NBFC-ND") which was incorporated as a Private Limited Company in 2019. The Company has received its own Certificate of Registration on March 2021. Seeds focus solely on lending to entrepreneurs for activities involving income generation.
Join hands with Seeds Fincap to empower India's entrepreneurs and drive inclusive growth.
The beliefs, values, and strategic direction that guide every decision at Seeds Fincap.
To be the most preferred and trusted financial service partner for micro, small and medium enterprises.
To serve the evolving financial needs of individuals, institutions, businesses and communities in ever changing financial services marketplace through progressive and superior financial solutions.
Seven principles that guide every decision, every interaction, and every step of our journey.
Building lasting relationships through transparency and reliability.
Every individual deserves dignity and equal regard.
AI, big data, and technology-driven credit solutions.
Nurturing and celebrating our greatest asset — our people.
Every loan creates a ripple effect of positive change.
Relentless energy and determination to overcome challenges.
Absolute transparency — no hidden costs, no fine print surprises.
AI-driven credit assessment, real-time analytics, and fully digital operations at the core.
Reaching underserved segments in Tier 2, 3 and rural India — bridging the ₹30+ lakh crore MSME credit gap.
Expanding branch networks across 130+ districts.
Expanding from individual loans to a full-stack MSME lending platform.
Building a high-performance culture where talent thrives and impact is the ultimate metric.
SEEDS Fincap Private Limited was incorporated with a vision to make formal finance more accessible to underserved entrepreneurs.
SEEDS received its NBFC-ND licence from the Reserve Bank of India and commenced its operations.
Within the first year of operations, SEEDS achieved an AUM of ₹10 crore, marking an important early milestone.
SEEDS crossed ₹100 crore in AUM, reflecting the growing reach of the organisation and the trust of its customers.
With continued expansion, SEEDS grew its AUM to ₹208 crore.
SEEDS reached an AUM of ₹350 crore as it continued to expand its presence and serve more entrepreneurs.
The organisation crossed ₹500 crore in AUM, reaching ₹510 crore and strengthening its position as a growing MSME-focused NBFC.
SEEDS achieved an AUM of ₹715+ crore, continuing its journey of responsible growth and expanding financial access across rural and semi-urban India.
Loan products designed for diverse MSME needs — blending seamless access, sustainability, and impact.
SEEDS has designed this unsecured loan product specifically for micro, small, and medium entrepreneurs in the trading, manufacturing, and services sectors. For business owners with at least three years of experience, this facility helps expand operations and strengthen financial stability with affordable EMIs and transparent terms.
SEEDS has designed this secured loan product for entrepreneurs seeking higher ticket sizes for significant business expansion. Secured against residential or commercial property, this facility offers competitive interest rates and flexible repayment schedules to support your long-term growth ambitions.
SEEDS has designed this loan product to provide essential working capital, helping existing dairy farmers manage and sustainably grow their dairy businesses.
SEEDS has designed this invoice-based financing product to offer short-term financial assistance to traders and manufacturers. This facility supports daily operations and inventory management by unlocking working capital tied up in receivables, ensuring smooth cash flows for the entire ecosystem of vendors, dealers, and distributors.
Two dedicated green financing solutions for sustainable impact
SEEDS has designed this green loan product to help communities transition to clean power and align with global sustainable development goals. We provide dedicated financing for the installation of rooftop solar systems ranging from 1 kW to 5 kW capacities, enabling households and micro-enterprises to adopt affordable, renewable energy solutions.
SEEDS has designed this impact-driven loan product to address the critical Water, Sanitation, and Hygiene needs of underserved borrowers in semi-urban and rural India. This initiative provides credit for safe water access and sanitation upgrades, supporting the development of WASH-linked micro-enterprises and creating a dual social and economic impact at the community level.
Streamlined digital processes mean faster decisions and quicker access to the capital you need.
Cashless disbursements directly to your bank. EMI via NACH or UPI — fully paperless.
Transparent pricing. What you see is what you get — no surprises in your loan agreement.
156 branches across 8 states — we're always close to where you need us most.
RBI-registered, CRISIL BBB-/Stable rated, and Series A funded — your trust is our priority.
We don't just lend — we partner with you for long-term business growth and empowerment.
Find quick answers to the most common questions about our loans, eligibility, and application process.
Plan your loan repayment by calculating your monthly EMI instantly.
Glimpses of our journey — our team, branches, events, and the entrepreneurs we serve every day.
Guides, reports, FAQs, and calculators — everything you need to make informed financial decisions.
A complete walkthrough from eligibility check to disbursement, in plain language for every entrepreneur.
In-depth analysis of India's ₹20 lakh crore MSME credit gap and Seeds Fincap's role in bridging it.
A clear checklist of all KYC, business, and financial documents needed before applying.
How Seeds Fincap served 1,00,000+ entrepreneurs and deployed ₹1,023 crore across 8 states.
Our commitment to fair, transparent lending and how we handle grievances.
Understanding credit scores, cash flow management, and how to build a stronger financial profile.
Financials, Policies, AGM Notices, Annual Returns & Full DLG Portfolio
RBI compliant documents, investor information, and complete DLG monthly data
| Month | Total (₹ Cr) | Partner-1 | Partner-2 | Partner-3 | Partner-4 | Partner-5 | Partner-6 | Partner-7 |
|---|---|---|---|---|---|---|---|---|
| May-25 | 42.73 | 6.15 | 0.42 | 36.16 | - | - | - | - |
| Jun-25 | 43.44 | 5.87 | 0.40 | 37.17 | - | - | - | - |
| Jul-25 | 45.82 | 5.56 | 0.37 | 39.89 | - | - | - | |
| Aug-25 | 46.75 | 5.21 | 0.35 | 41.20 | - | - | - | - |
| Sep-25 | 49.11 | 4.91 | 0.33 | 43.85 | 0.03 | - | - | - |
| Oct-25 | 52.06 | 4.61 | 0.30 | 46.98 | 0.17 | - | - | - |
| Nov-25 | 57.74 | 4.30 | 0.25 | 52.85 | 0.34 | - | - | - |
| Dec-25 | 65.68 | 3.98 | 0.23 | 60.90 | 0.57 | - | - | - |
| Jan-26 | 87.58 | 3.63 | 0.19 | 57.59 | 1.18 | 25.00 | - | - |
| Feb-26 | 91.73 | 3.34 | 0.17 | 55.79 | 1.94 | 22.08 | 8.41 | - |
| Mar-26 | 114.74 | 3.02 | 0.14 | 84.91 | 2.58 | 18.03 | 6.06 | - |
| Apr-26 | 109.94 | 2.73 | 0.12 | 82.51 | 2.82 | 16.31 | 5.45 | - |
| May-26 | 134.32 | 2.48 | 0.11 | 78.22 | 2.96 | 23.44 | 5.13 | 21.98 |
| Jun-26 | 129.64 | 2.24 | 0.10 | 77.63 | 3.17 | 21.20 | 4.30 | 21.00 |
Meet the visionaries and experts driving Seeds Fincap's mission to empower India's entrepreneurs.
A distinguished board bringing diverse expertise across finance, technology, development, and governance.
Our leadership team is all about inspiring people to reach their goals and then set higher ones. At SEEDS, team and personal development are encouraged and expected with the management supporting everyone in a warm and generous way.
Stay updated with our milestones, press coverage, funding announcements, and industry insights.
Seeds Fincap successfully closed its Series A funding round, backed by two of India's most respected impact and venture investors.
CRISIL upgraded Seeds Fincap's rating to BBB-/Stable from BB+/Positive, reflecting improved financial profile and governance.
Seeds Fincap crossed the ₹500 Crore Assets Under Management milestone in just over 3 years of operations.
We are excited to announce our expansion into Gujarat, our 8th state, with 129 branches across 92 districts.
A landmark moment — Seeds Fincap has now served over 1 lakh entrepreneurs across India, disbursing ₹1,023 crore total.
The Economic Times recognizes Seeds Fincap as one of India's fastest-growing NBFCs, highlighting our technology-first approach.
Discover how SEEDS Fincap is transforming lives and empowering entrepreneurs across India.
Every entrepreneur has a unique journey. Here are some inspiring stories of growth and success.
Sanjay Arora had a business of selling electronic goods in Palwal, Haryana. With a loan from SEEDS, he expanded his range of appliances and now fulfills all demands of the local market.
Read Full StoryPriya Sharma, a dairy farmer from rural Haryana, transformed her small dairy business into a thriving enterprise with SEEDS' dairy loan product.
Read Full StoryRamesh Kumar started as a small tailor in Punjab. With SEEDS' unsecured business loan, he expanded into textile trading and now employs 10 people.
Read Full StoryVikram Singh from Rajasthan expanded his transport business with SEEDS' secured loan, adding 3 new vehicles to his fleet.
Read Full StorySunita Devi from Bihar used SEEDS' group lending product to start her organic farming business, now supplying to local markets.
Read Full StoryMohan Lal from UP transformed his small mobile repair shop into a full electronics store with SEEDS' supply chain finance.
Read Full StoryJoin thousands of entrepreneurs who have transformed their lives with SEEDS Fincap.
A place where ambition is celebrated, talent thrives, and every person contributes to empowering India's entrepreneurs.
The entire Seeds family celebrating and aligning on our vision.
Our ground team — the backbone of everything we do.
Celebrating milestones together as a team.
Monthly workshops and skill-building programs.
129 branches — each a hub for entrepreneurial growth.
Building the future of MSME lending with AI and data.
Market-competitive salaries with performance-linked incentives and ESOPs for senior roles.
Comprehensive medical insurance for employees and family, plus mental health support.
Fast-tracked career progression in a rapidly scaling NBFC. Grow with the company.
Sponsored certifications, leadership programs, and a curated learning management system.
Paid leave, casual leave, sick leave, and special leave policies that respect your personal time.
Monthly star performer awards, annual recognition ceremonies, and peer appreciation programs.
Seeds Fincap is not just a job — it's a mission. Every loan I help disburse means a family's life gets better. That sense of purpose keeps me energized every single day.
The learning curve here is incredible. In 18 months I've done more meaningful work than in my previous 5 years combined. The leadership genuinely invests in your growth.
The culture at SEEDS is unlike any NBFC I've worked at. People are driven, collaborative, and genuinely care about each other's success. It feels like a family that works hard together.
Underwriting, portfolio monitoring, collections
Branch management, customer acquisition
Product engineering, data science, AI/ML
Treasury, accounts, compliance, audit
Brand, digital, partnerships, communications
Talent acquisition, L&D, people ops
Lender relations, co-lending, partnerships
RBI compliance, legal, regulatory affairs
We're always looking for driven, purpose-led professionals who want to make a real difference.
Ready to grow your business? Reach out and let us find the right financial solution for you.
Seeds Fincap Pvt. Ltd., Gurugram, Haryana, India
Mon – Sat: 9:00 AM – 5:30 PM
Rajasthan · Haryana · Punjab · UP · Bihar · MP · Uttarakhand · Gujarat
Investment grade rating — reflecting robust financials and governance excellence.
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