About Us

Janalakshmi (literal translation, 'People's Wealth'), is a 'social business'. It embraces market principles while pursuing a social objective.

To accomplish this, Janalakshmi has been designed in a 2-tier structure: for-profit operating companies for investors; and a (Section 25) not-for-profit holding company called Janalakshmi Social Services - in which promoter stakes are held. Funds in Janalakshmi Social Services can only be used to address social issues.

About Janalakshmi Financial Services

Janalakshmi Financial Services is a for-profit NBFC urban microfinance institution (MFI), with the promoter stake held in the not-for-profit entity Janalakshmi Social Services. This is the only MFI in India structured in such a manner, with the deliberate intent of keeping the social spirit intact.

Janalakshmi Financial Services' market-based approach to financial inclusion is defined by three distinct characteristics: first, an exclusive focus on servicing the needs of the urban poor; second, a strong customer-value driven approach in designing financial products and services; third, the centrality of technology and processes as the foundation of a scalable enterprise.