Register As Channel Partner
 +91-9289098583

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.

Apply Now

Our Solutions Are Tailored For:

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

At Vallabhi Capital, our customers are at the heart of everything we do. Every loan we offer is guided by our core principles: transparency, grassroots engagement, and empowerment—helping us build long-term relationships and trust within the communities we serve.

Manufacturers

Traders

Service Providers

Exporters

Contractors

Startups

Professionals

Retailers

Our 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

Driving Digital Excellence Driving Digital Excellence

Investing in technology to enhance platforms and customer interfaces.

Innovating for Impact Innovating for Impact

Launching tailored financial products to meet diverse customer needs.

Fortifying Financial Stability Fortifying Financial Stability

Strengthening risk management for resilience and growth.

Empowered by Expertise Empowered by Expertise

Leveraging a skilled team and technology for portfolio insights.

Reaching the Unreached Reaching the Unreached

Expanding opportunities in Tier-2 and Tier-3 cities.

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

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 rep...

Mr. Rishabh Agarwal

Credit & Operations

Ms. Nikita Tyagi

Ms. Nikita Tyagi

Treasury Head

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...

Ms. Nikita Tyagi

Treasury Head

Ms. Sneh Chauhan

Ms. Sneh Chauhan

Company Secretary

Competent professional with 10+years’ comprehensive experience as a Company Secretary with extensive exposure spanning the entire range of corporate secretarial, legal functions, NBFC Compliances, Listing Compliance’s, investor relations, Strategy & Execut...

Ms. Sneh Chauhan

Company Secretary

Ms. Ambily Santhosh

Ms. Ambily Santhosh

HR Manager

With over 20 years of experience in Human Resources, Mrs. Ambily Santhosh specializes in employee relations, recruitment, training and development, performance management, and policy implementation. Backed by a postgraduate degree in Human Resources Management...

Ms. Ambily Santhosh

HR Manager

Gaurav Sondhi

Gaurav Sondhi

Sr. Manager Marketing

A seasoned professional with over 15+ years of experience in marketing, and product management. He specializes in driving business growth through innovative strategies and data-driven decision-making. Gaurav has a proven track record of successfully managing ...

Gaurav Sondhi

Sr. Manager Marketing

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....

CA Suman Shekhar

Finance and Accounts

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...

Ms. Tanvi Rani

Investor Relations