MSME loans
MSME Loan (Saral)
Daily and monthly installment micro-loans designed for working capital and inventory needs of local shopkeepers.
- Target
- Shopkeeper
- Loan amount
- ₹1,00,000
- Loan period
- Up to 1 year
Registered with the Reserve Bank of India
We're in the business of helping you start, revive and grow your business
A RBI Registered Non deposit taking Non Bank Financial Company providing structured and business loans to small and medium entrepreneurs in rural and semi-urban markets.
Toll free: 1800 532 0162 Monday to Saturday, 10:00 am – 5:00 pm
- 20,000+
- Dreams Fulfilled
- 100%
- Transparent & RBI Compliant
- 57+
- Corporate Branches
- 97%
- Women & MSME Borrowers
- 4
- Operational States
About us
Hassle-free, quick and easy financing for the growth of your business
Vinayana Investment & Finance Limited is an RBI-registered, non-deposit-taking NBFC. Headquartered in Lucknow since 2020, we provide accessible loans and credit solutions to small and medium entrepreneurs across semi-urban and rural markets.
Our mission is to deliver fast, affordable, and transparent financing that empowers local shopkeepers and business owners to expand, generate income, and build lasting financial stability.
Product & Services
Our loan products
Structured credit, MSME financing, and working capital tailored for growing enterprises.
Business loans
Business Loan
Flexible financing for working capital, equipment purchase, and cash flow to support growing small enterprises.
- Target
- Small business
- Loan amount
- ₹5,00,000
- Loan period
- Up to 3 years
Business loans
Bill Discounting Loan
Short-term invoice financing against unpaid freight bills to maintain steady cash flow for transport operators.
- Target
- Transporter
- Loan amount
- ₹6,00,000
- Loan period
- Up to 90 days
Business loans
Car / Two Wheeler Loan
Quick vehicle financing with manageable EMIs for self-employed individuals and salaried professionals.
- Target
- Self / salaried employees
- Loan amount
- ₹5,00,000
- Loan period
- Up to 3 years
Why choose us?
Features of financing by Vinayana
We empower small business owners with fast approvals, transparent pricing, and dedicated doorstep support to help their enterprises succeed.
Business expansion
Deploy borrowed funds directly into inventory, machinery, or working capital to boost day-to-day income.
Easy credit access
Fast, accessible loans designed for local shopkeepers without cumbersome bank bureaucracy.
Savings discipline
Structured, transparent repayment schedules that help build financial discipline and healthy credit history.
Economic growth
Empowering neighborhood businesses boosts local earnings and creates wider community prosperity.
Responsible lending
Strict adherence to RBI guidelines with upfront pricing, no hidden costs, and ethical recovery practices.
HOW TO APPLY
भरोसे के साथ आसान प्रक्रिया: आपका लोन अब आपके लिए!
Simple, transparent, and hassle-free 5-step loan process
Who we are
Our vision, mission and goal
Our vision
To be India's most trusted, accessible finance partner for entrepreneurs, delivering affordable credit solutions that drive long-term business success.
Our mission
To provide fast, honest, and affordable financial services that empower small business owners to grow with complete confidence.
Our goal
- Deliver timely credit to semi-urban and urban micro-entrepreneurs.
- Scale responsibly while maintaining strict portfolio and service quality.
- Provide dependable, delightful service through empowered local branch teams.
- Empower more than 25,000 growing businesses over the next 5 years.
Plan your loan
Know your instalment before you apply
Calculate your daily or monthly repayments quickly and transparently.
Saral MSME loan calculator
₹10,000₹1,00,000
3 months1 year
Indicative figures at 20% p.a. on reducing balance, with a processing fee of 1% plus GST, as per our schedule of charges. Final terms are confirmed in your loan agreement.
Daily instalment
₹151
for 365 days
- Total interest
- ₹5,180
- Processing fee (incl. GST)
- ₹590
- Total you repay
- ₹55,180
Securing financial peace of mind for you and your family
Our team
A seasoned leadership team and dedicated field operations driving financial inclusion across India.
Our board and operational managers combine deep banking expertise with grassroots market knowledge.
Board of directors
Vivek Kumar Jayasaval
Director
Amit Kumar Pandey
Director
Chirag Daxini
Director
CA Govinda Sachdev
Independent Director
Dr. Bibhas Kumar Srivastav
Independent Director
Partners
Our debt & lending partners
Lending, service, banking and insurance partners who work with Vinayana.
Success stories
Stories from our customers
Real stories of entrepreneurs and shopkeepers who grew their enterprises with Vinayana.
[Customer story — a few lines in their own words about how the loan helped their business.]
[Customer story — a few lines in their own words about how the loan helped their business.]
[Customer story — a few lines in their own words about how the loan helped their business.]
Ready to grow your business with us?
Talk to our team about the loan that fits your shop or business. Call us toll free, or leave your number and we'll call you back within the same working day.