Invest in women-led growth
If you would like to invest in Jyothika Micro Finance Pvt. Ltd., or fund our lending to women and small businesses, we would be glad to talk.
Capital that reaches women directly
Every rupee we lend goes to a woman, a family or a small shop. Here is what you would be backing.
A women-first lending model
Small loans for women, families and small shops, with women at the centre of how we lend.
8 everyday loan products
Group, personal, phone, appliance, gold, two-wheeler, shop and daily wage loans.
Fair, transparent practices
Every charge in writing before signing, no advance fees, and a published Fair Practices Code.
Close to our customers
Field staff meet customers at home or at their shop and explain every step in person.
How you can invest or partner
Equity
Shares in the company, offered only by private placement to identified investors, as the Companies Act, 2013 requires.
Debt funding
Term loans or other borrowing from banks, NBFCs and institutional lenders, on agreed terms.
Co-lending
Banks and NBFCs lending together with us to women and small businesses, under RBI rules.
Strategic partnerships
Organisations who want to grow fair credit for women with us in other ways.
Every route is subject to applicable law, approvals and the company's own decision.
From first message to investment
Step 1: Send an expression of interest
Use the form below, WhatsApp or email. Tell us who you are and what interests you.
Step 2: An introductory conversation
Our management team contacts you to understand your interest and answer first questions.
Step 3: Information and due diligence
Company documents and financial information are shared with serious investors, under a confidentiality agreement where needed.
Step 4: Documentation as the law requires
Any investment is made only through the legal process that applies to it, with proper agreements and approvals.
Available to serious investors on request
- Certificate of incorporation and registrations
- Audited financial statements
- Loan portfolio overview
- Board and management details
- Policies: Fair Practices Code, KYC, grievance redressal
- Business plan and funding requirement
Send an expression of interest
Your details open in WhatsApp, ready to send to our team. Nothing is shared until you press send.
Prefer email? Write to jyothikamicrofinances@gmail.com.
Dealers, NGOs and other partners: see partner enquiries.
Important notice for investors
- This page is for expressions of interest only. It is not an offer, invitation or advertisement to subscribe to shares, debentures or any other securities, and not a prospectus.
- Jyothika Micro Finance Pvt. Ltd. is a private limited company. Any issue of securities is made only by private placement to identified persons, as the Companies Act, 2013 and its rules require.
- Jyothika Micro Finance Pvt. Ltd. does not accept public deposits. Do not send money to anyone claiming to collect deposits for us.
- No return, interest or dividend is promised or guaranteed. All investments carry risk.
- We will never ask you to transfer money on WhatsApp or to a personal bank account. Please take independent legal and financial advice before you invest.