About Sanrachna

SanRachna operates are regions where some of the most underbanked women in India live and are largely unserved by formal and informal banking facilities. SanRachna’s focus is to serve as the financial partner to “Women Entrepreneurs” from Semi-urban & Rural locations in India to create Social Impact towards building a more “Financially Aware” and “Digitally Literate” society as a whole.

Our Mission

We are committed to bridging the financial gap for the underserved by offering accessible, transparent, and tailored microfinance solutions. From working capital for micro-enterprises to income-generating loans for women entrepreneurs, we design our financial products with one goal in mind — to uplift lives through financial empowerment.

Our Vision

To build an inclusive financial ecosystem where no dream is too small to finance. We envision a future where every woman, every small trader, every aspiring entrepreneur has the support they need to participate meaningfully in our country's economic journey.

What We Do

SanRachna Microfinance provides a diverse range of microfinance facilities designed to support:

  • Women Entrepreneurs looking to start or expand their home-based or local businesses
  • Small and Micro Business Owners in need of capital to grow and sustain their operations
  • Rural and Urban Low-Income Households requiring financial support for livelihood, education, or emergency needs

Our customer-centric approach ensures flexible repayment models, transparent processes, and ongoing financial literacy support — because we believe access to finance must come with knowledge and dignity.

Our Impact

We take pride in being more than just a finance provider. We are enablers of self-reliance, growth, and dignity. Each loan we disburse is a step toward reducing poverty, increasing employment, and strengthening local economies. With every empowered woman and every thriving small business, we fulfill our role — as individuals, as an institution, and as contributors to the national economy.

PA SECURITIES PRIVATE LIMITED

Under the RBI guidelines, we have a dedicated borrowers’ Grievance Redressal unit to attend and resolve their concerns. We are a responsible lender & strongly believe in ethical practices even in recovery processes. However, in the case of any complaints, our team pledges to resolve all concerns of our borrowers proactively. You can reach us at +917428981053, Email us at support@sanrachnapas.com

Important

As a registered NBFC with the Reserve Bank of India and following all the guidelines of the regulatory authorities, Sanrachna provides loans to all eligible customers, where we accomplish our lending services through our website and CRM. Apart from this, we would like to inform our customers and the general public that we don’t have any app on android or app store, and we are not disbursing through any mobile app. Therefore, please beware of any lending application that is copying our name and disbursing loans in our name through mobile apps, and please inform us in such circumstances where someone is trying to cheat through the unauthorized loan app by copying our name and logo. Never pay in cash or into anyone’s personal account – You are requested never to pay our representatives either in cash or in their personal accounts. We, being a digital loan, discourage any kind of payment in cash. You have several options to make payment. Call our representative who will guide you in this matter. We will not be liable for any payment you may make in cash to our representative or into their personal account. This will not constitute as part of your repayment.

Board of Directors

Chandan Kishore Sharma

Co-founder & MD

Chandan Kishore Sharma

  • 15+ years of experience with expertise in Accounts & Finance.
  • Ex CFO with KSR, Heading UCCSL and Compliance part of Accounts & Finance at RBI.
  • Managing Liabilities side of Balance Sheet and supporting Legal and Compliance matters of SanRachna.
Satin Credit Care
Ujala Credit Co Operative
KSR
Niranjan Kumar

Co-founder & COO

Niranjan Kumar

  • 25+ years of experience; Graduate from Kolkata University.
  • Rich experience in NBFC, MFI and service industries.
  • Strong expertise in operations, sales, recovery, client services and business expansion.
  • Managing AUM and CSC centers of SanRachna.
Satin Credit Care
Satya Micro Capital

Team of Experts

Vijay Pal

Dy. COO

Vijay Pal

Mr. Vijay Pal possess experience of 14 years in the field of MFI, NBFC and cooperative society. He manages the entire business acumen and operational activities. He has done post graduate diploma in management. He has worked with the leading NBFC. He is well versed with field challenges, business development and operational domain.

Satin Credit Care
Ujala Credit Co-operative
Umakant Dhakar

Manager (OPS-IL)

Umakant Dhakar

Mr. Umakant Dhakar possess experience of 13 years in the field of Banking, NBFC and Cooperative Society. He has worked with the leading Bank & NBFC.

Prospectus Capital
ICICI Bank
Ujala Credit Co Operative
Kishore Kumar

Head Admin

Kishore Kumar

Mr. Kishore is Graduate from Delhi University with 20+ years’ experience in Administration and support services.

ATC Logistical Solution
Ujala Credit Co Operative
Mahesh Yadav

Head HR

Mahesh Yadav

Mr. Mahesh Yadav is handling the responsibility of development and implementation of Company’s HR strategies and practices. Having more than 17 years’ experience in the Human Resource domain, he efficiently balances the man-power requirement and HR matter for the company. He holds a MBA degree.

Satin Credit Care
Satya
Abhay Krishna

Audit & Marketing Head

Abhay Krishna

Abhay Krishna is senior-level professional, he manages all marketing and audit activities for SanRachna. He has 18 year professional experience in marketing and various industries (Eveready Industries India Ltd, Samsung Electronics, Project Manager in ADISAA. He manages Audit and business' marketing strategy and developing a brand's presence and leading the marketing department and sub-departments

Samsung
Eveready
Adisaa
Manish Tripathi

Manager Finance

Manish Tripathi

Mr. Manish Tripathi carries 14+ years of rich experience in financial sector with expertise in Accounting and budgeting , Financial Planning, Statutory and taxation. He has worked with different organization , majority with financial sector.

Satin
chola_ms
Rajkumar Yadav

Manager MIS

Rajkumar Yadav

Rajkumar Yadav is technical professional. He has 10+ year Professional experience in various Microfinance industries He oversees the computer and information technology systems of the organization. He is responsible for ensuring the effective functioning of a company's IT infrastructure. This includes managing networks, servers, storage, Securities, and applications. He is hold Master degree in Computer Applications.

Midland
Traashna
Sindhuja
Ajai Babu

Dy. Manager – IT

Ajai Babu

Ajai has 17+ years of experience in IT infrastructure, networks, servers, storage, and enterprise applications.

ATC
Seema Tiwari

Legal Officer

Seema Tiwari

Seema Tiwari is an experienced lawyer with expertise in corporate contractual matters, SARFAESI Act, Arbitration and Conciliation Act.

Chat With UsWhatsApp