
Our Impact

Grievance Mechanism
Guidelines
(72 KB)
Fair Practices Code
(387 KB)
Auditors Report 2009-10
(411 KB)
Auditors Report 2010-11
(489 KB)
Financials 2009-10
(690 KB)
Financials 2010-11
(888 KB)
Notes to Accounts 2009-10
(816 KB)
Notes to Accounts 2010-11
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Newsletter - July 2011
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Newsletter - June 2011
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Newsletter - May 2011
(1923 KB)
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 serving the urban underserved, with the promoter stake held in the not-for-profit entity Janalakshmi Social Services. This is the only NBFC 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.

