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Sarwadi Finance is promoted by Nipha Exports Pvt. Ltd., more than 50 year old organisation, which has been recognized by the Government of India as a premier Manufacturing Export House and has been accorded a National Award for Excellence in export performance since 1975.

Sarwadi Finance Private Limited (hereinafter referred to as Sarwadi Finance) is a Company within the meaning of The Companies Act, 2013 and it is also registered as Non-Banking Financial Company – Micro Finance Institution (NBFC-MFI), under Section 45-IA of the Reserve Bank of India Act, 1934.

It provides micro credit and other financial services to the underprivileged households in the state of West Bengal and Assam. It only lends to the women of the house, bringing about a positive change in them and their families. Sarwadi promotes income generating activities among the poor, helping them to become economically self-sufficient and useful citizens of the country.


To be the preferred lender for our customers by suitably assisting them in the fulfilment of their livelihood needs.


  • To bring positive change in the lives ofmicro-entrepreneurs through provision of credit and training.
  • To improve our efficiency by continually reviewing our back office operations.
  • To improve our service quality and outreach on the field.