Utkal Finance Limited, established in 1997, is a non-banking finance company (NBFC) based in Bhubaneswar, Odisha, India. It primarily focuses on providing financial services to the underserved and unbanked segments of the population, particularly in rural and semi-urban areas of the eastern Indian states. The company’s core business is microfinance, offering microloans to women entrepreneurs and small business owners. These loans are typically used for income-generating activities such as agriculture, animal husbandry, handicrafts, and small-scale trading. By providing access to credit, Utkal Finance aims to empower individuals, improve their livelihoods, and contribute to economic development in the region. Utkal Finance operates through a network of branches and field officers who work closely with clients. The company employs a group lending methodology, where women form self-help groups (SHGs) and guarantee each other’s loans. This approach fosters social cohesion, promotes financial discipline, and reduces the risk of default. Regular group meetings are conducted to provide financial literacy training, share best practices, and address any challenges faced by the members. Beyond microfinance, Utkal Finance also offers other financial products and services, including loans for housing, sanitation, and education. These products are designed to meet the diverse needs of the communities it serves and to promote holistic development. The company emphasizes responsible lending practices and strives to ensure that its clients are able to repay their loans without facing undue financial hardship. Utkal Finance distinguishes itself through its strong focus on social impact. The company is committed to promoting financial inclusion and empowering marginalized communities. It actively participates in various social initiatives, such as health camps, awareness programs on sanitation and hygiene, and skill development training. These initiatives are aimed at improving the overall well-being of the communities it serves and creating a positive social impact. The company has received recognition for its performance and social impact. It has been rated by various credit rating agencies and has been awarded for its contributions to financial inclusion. Utkal Finance is regulated by the Reserve Bank of India (RBI) and adheres to strict regulatory guidelines. Looking ahead, Utkal Finance aims to expand its reach and deepen its impact. The company plans to leverage technology to improve its operational efficiency, enhance customer service, and expand its product offerings. It also intends to strengthen its partnerships with other organizations to scale up its social initiatives and create a more sustainable and inclusive financial ecosystem. The company aims to be a leading provider of financial services to the underserved, contributing to their economic empowerment and overall well-being.
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