Our mission
To make a business loan as straightforward as buying stock — transparent pricing, clear terms, and a person to talk to at every stage.
About Yunash
Finance that treats small business as serious business
Yunash Micro Financing and Lending Limited is a registered Non-Banking Financial Company on the mission of making business finance accessible, predictable and dignified for the micro enterprises that form the backbone of the local economy.
Our Story
Founded on a simple frustration
Our founders spent years working alongside kirana stores, small workshops and home-based enterprises across [State]. They kept meeting the same pattern: a profitable business, years of honest work, and no access to formal credit — not because the business failed, but because it did not fit a template written for large corporates.
Yunash was set up to build a lending model that starts where the bank branches stop. That means understanding the actual cash cycle of a garment unit or a vegetable wholesaler, documenting it properly, and pricing a loan against observed turnover rather than on a credit score that has never seen the business.
Today we operate [XX] branches across [XX] districts and support more than [XX,XXX] active loan accounts, with a deliberate focus on first-time borrowers, women-led enterprises and home-based businesses.
Company at a glance
- Legal name
- Yunash Micro Financing and Lending Limited
- Entity type
- Registered NBFC
- CIN
- [U_______]
- RBI Reg. No.
- [________]
- Incorporated
- [20XX]
- Registered office
- [City, State]
- Branches
- [XX]
- Active accounts
- [XX,XXX]
- Auditor
- [Chartered Accountant name]
Placeholders shown in brackets must be replaced with the registered details before the site goes live.
Mission & Values
What we hold ourselves to
These are the standards our staff are trained and assessed against.
Our values
Dignity — no borrower is spoken down to. Clarity — every number in the agreement is explained. Discipline — we lend what can be repaid, not what can be maximised.
Our commitment
Full compliance with RBI directions on fair practice, Key Facts Statement, cooling-off period and grievance redressal — audited every year.
How We Operate
Four pillars of the Yunash model
01 · Field-first underwriting
Every application is visited in person. We confirm that the business exists, understand the sales cycle, and see the assets that a branch manager will never see. This is the single biggest reason a file that a bank declines is approved here.
02 · Technology where it helps
Digital application collection, e-KYC, an internal credit bureau built from our own repayment history, and automated disbursement to the borrower's own business account. Technology is used to remove waiting, never to remove the human conversation.
03 · Pricing you can read
Annualised rate, processing fee, insurance and any other charge are listed on a single-page Key Facts Statement. Borrowers are told the total amount repayable before signing anything, and given a cooling-off period to change their mind.
04 · Collections with dignity
Recovery is conducted in line with the RBI Fair Practice Code — notice before visit, no public shaming, no contact outside permitted hours, and a documented two-way grievance channel that a manager reviews personally.
Our Network
Where we operate
We concentrate in selected districts rather than spreading thin, so that every borrower keeps a named relationship manager for the life of the loan.
| Region | Districts covered | Branches | Focus segments |
|---|---|---|---|
| [Region 1] | [District A, District B, District C] | [XX] | Retail trade, tailoring, food processing |
| [Region 2] | [District D, District E] | [XX] | Manufacturing units, agri-allied enterprises |
| [Region 3] | [District F, District G, District H] | [XX] | Transport operators, group lending |
| Head Office | [City, State] | 1 | Credit, operations, technology, grievance redressal |
Placeholders to replace: branch counts, district names and region labels on this page are illustrative and must be updated with actual operational data prior to publication.
Leadership
Leadership & oversight
The board and management team responsible for lending policy and conduct.
[Director name]
Chairman & Non-Executive Director
[Brief background note, relevant financial-services experience and other directorships.]
[Director name]
Independent Director — Audit Committee
[Brief background note covering audit, risk and governance experience.]
[CEO / Whole-time Director name]
Chief Executive Officer
[Brief background note on lending operations and [XX] years in inclusive finance.]
Let’s talk about your business
Share a few details and a relationship manager will call you to understand what you actually need before discussing any product.