Responsible finance for those most often left out.
Radicate Microfinance Foundation was incorporated in 2017 (CIN U65999UP2017NPL092954) as a Section 8 not-for-profit company, with a singular conviction — that the absence of formal credit, not the absence of ability, is what holds rural households back. We started in Sant Kabir Nagar district of eastern Uttar Pradesh, with a small team of field officers and a deeply local approach.
We remain focused on what brought us here: face-to-face relationships, fair pricing, and financial education that turns first-time borrowers into long-term savers.
To deliver dignified financial services to underserved rural households — credit, savings, insurance and education — through trained, accountable, community-rooted field teams.
Numbers are necessary, but they only matter when they connect to lives.
We prioritise lending to women borrowers, who in turn drive decision-making and asset ownership within the household.
Our loans finance productive activities — small enterprise, dairy, tailoring, farming — that lift household earning capacity over time.
Sewing machines, dairy animals, shop inventory, productive equipment — credit aimed at the assets that pay back the loan and keep paying after.
Registered under Section 8 of the Companies Act and aligned with the Reserve Bank of India's Fair Practices Code for NBFC-MFI. Annual audits by an independent statutory auditor.
We are signatories to the MFIN Code of Conduct. Every customer receives a key fact statement, a copy of the loan agreement, and a clear grievance redressal escalation matrix.