Welcome To Vedika

"Vedika Credit Capital Limited” was incorporated in 1995 and was further recognized and re-registered in March 1998 as a Non-Banking Finance Company (NBFC) with approval from Reserve Bank of India. Currently, it is one of the biggest NBFC-MFI in eastern India with operations in 6 states namely, Jharkhand, Bihar, West Bengal, Uttar Pradesh, Assam, Odisha and Tripura and has more than 150 Branches.

Mission Statement

Partner in the Growth of Micro Entrepreneurs

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Vision Statement

To be the Leader on providing Total Financial Solution to Micro Entrepreneurs

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Core Values

Dependable (विश्वसनीय)
Empowerment (सशक्तिकरण)
Inclusion of Everyone (समावेश)
Key to Customer Growth (ग्राहक सफलता की कुंजी)
Accountability towards our Customers (जिम्मेदारी)

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Products and Services

JLG Loan

JLG consists of a group of 4-5 women, with similar socio-economic background, who avail loan through group mechanism against mutual guarantee.

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Micro-Housing Loan

As the name suggest, the loan is given to those customers who want to do some repair work in their homes or want to do home expansion.

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Small Business Loan

This loan is in micro-loan category and is unsecured. This loan is given to customers for the purpose of expansion of business and to make purchase for their business.

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Micro-Enterprise loan

It is in the category of secured lending to provide working capital loan to micro enterprises. This loan is typically used for expansion of business.

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Loans for Consumer Durables

Vedika also provides secondary loan to its existing customers through which they can purchase from a range of consumer durables which are being offered to them.

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Our Success Reports

Vedika has been performing well since past few years. It was able to achieve the highest growth rate of 116% in the Q1 of FY 16-17 compared to the same period in the last financial year, among the MFIs of the same category. Recently the company has attended another milestone

by completing a Gross Loan Portfolio (GLP) of INR. 500 cr. From 26 Branches in 3 states in 2014, it has grown to 164 branches in 6 states. The client base of Vedika currently is more than 3 Lakhs.

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Meet Our Team

Vedika’s team is very competent and experienced with their top management leading with an example.