Monika Koli

They said financial services are only for cities. We proved them wrong. From villages without PIN codes to towns without branches, we’ve delivered more than loans - we’ve delivered belief. What We Believe At Ritwik Finance, we believe access to credit isn’t a luxury. It’s a right for every hard-working family, farmer, and small shop owner. We built our model on empathy, understanding, and grounded innovation. Because the person we serve isn’t a CIBIL score. They’re someone’s father, mother, son, or dreamer. Why People Trust Us • 30+ years of grassroots lending experience • 6000+ customers across Rajasthan • ₹50+ Cr disbursed with 97% recovery • 300+ field executives trained in native dialects • RBI-registered NBFC with ISO compliance • Loans processed in 4–5 days with doorstep KYC • We count daily wage, cattle, tractor, and mandi receipts as real income - because they are. What Makes Us Different Most NBFCs need high CIBIL. We accept 600+. Most NBFCs need documents. We accept proof from real life. Where others fear rural lending - we see value. With biometric-based on boarding, vernacular contracts, and village-rooted executives, we’ve made finance feel like family dealings. Do We Work? Ask Our Borrowers. • 21-year-old girl funded for nursing diploma - now a hospital staffer. • A father cleared his daughter’s marriage debts with a ₹2,00,000 loan. • 52-year-old widow now runs a tea stall with help from our micro-business fund. These aren’t case studies. They’re stories. And they’re just a few out of thousands. Let’s Talk Whether you’re an investor, fintech collaborator, or someone building better financial systems - we’d love to connect. Message us here. Or visit: www.ritwikfinance.com