Despite the remarkable progress India has made in financial services, a significant portion of our population remains unbanked or underbanked. At Kiara Microcredit Private Limited (KMCL), we firmly believe that “unbanked” does not mean “unbankable.”

As a Reserve Bank of India-approved Non-Banking Finance Company (NBFC), we are dedicated to bridging this gap by extending responsible and appropriate credit services to individuals and businesses traditionally perceived as unfundable.

Our mission is to empower the backbone of India’s economy—small businesses, micro-entrepreneurs, and individuals striving for financial independence. From shop owners and service providers to small and medium enterprises, we provide customized financial solutions that create tangible, real-world impact.

Operating across Tamil Nadu, Kerala, and Odisha, we prioritize convenience, accessibility, and efficiency in delivering financial products that help our clients achieve their goals.