Arohan Financial Services is a leading NBFC-Microfinance Institution (NBFC-MFI) in India, promoted by the Aavishkaar Group, focused on providing financial services to low-income and underserved households across financially underpenetrated regions. The company primarily offers income-generating micro-loans, small business financing, and household credit products, along with insurance solutions, catering largely to women borrowers and micro-entrepreneurs.
Arohan operates on a high-touch, branch-led microfinance model, primarily using the Joint Liability Group (JLG) lending framework, which enables access to unsecured credit for customers lacking formal financial access. The business is characterized by high-yield lending, granular loan portfolios, and strong field operations, with performance closely linked to credit costs, collection efficiency, and rural economic conditions.
Headquartered in Kolkata, Arohan has a wide geographic presence across multiple states in India, serving over 2 million borrowers through an extensive branch network, with a strong focus on eastern, northern, and semi-urban markets.
