Pahal Financial Services Pvt Ltd




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Region of operation


Headquarters address

806-Shiromani Complex, Opp.Ocean Park, Sattelite Road, Ahmedabad Country: India Zip: 380015

Target problem

To reach micro credit to 2,50,000 clients at comparative rates, within first five years of operations. Achieve internationally acceptable returns on investments to attract mainstream capital in the service of the segment at the bottom of the pyramid

Key product / Service

Micro-Finance Loans

Team size


Number of beneficiaries


Awards and recognition

Funding and Operating Model

Funding round

Series A

Total funding raised

$ 373000

Business details

Operating Model: 1) A branch has 5-6 FCOs who report to branch manager. 2) To start operation in a particular village, Branch manager along with FCO conduct survey of that village and prepare a Village Information Sheet. 3) Once a village is selected for operations, FCO holds an introductory meeting of interested women and briefs them about Pahal. 4) Loan application forms (with BM recommendations) along with GRT records are sent to HO for credit committee approval. Future Plans: Pahal proposes to work in another state, Maharashtra, It plans to open 6-7 new branches, out of which will be on the border of Maharashtra and Gujrat. Pahal wishes to reach more than 1,00,000 borrowers.

Partners and key clients

FWWB, Credit Information bureau(India) Limited, Kotak life Insurance, Equifax, High Mark Credit Information Services



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