ACFL recognizes a set of values which are pertinent to achieve the mission of the organization. Values are deeply held beliefs and are meant to be expressed through day-to-day behaviors of all. The acronym used for values is RESPECT, which is:

Responsive & Honest

Prompt responses and immediate attention to every detail regarding matters involving clients as well as organization by all staff. Be truthful to all.

Enable Integrity

Strengthen and imbibe the culture of morality and ethical work culture.

Superior Teamwork

Ownership of success and responsibility of failure shared by all. Operation with shared vision and togetherness in every aspect related to ACFL.


Punctuality, efficiency and effectiveness shown in all operations by everyone.

Exemplary Governance

A strong participatory senior management and Board, working on the principle of staff feedback, quick decision making and visionary leadership.

Cost Effectiveness

Operating at minimum cost by reducing wastage and misuse and by standardization of processes and systems.


Clear and concise communication about terms, conditions and processes to clients as well as across the hierarchy of the organization.

Key Differentiating factors: How are we different from others?

  • Highly experienced and well qualified Board members/Promoters / CEO/Team.
  • We respect to innate Power of Women, promote Financial Literacy and Skill Development.
  • Robust system and processess.
  • Start with the state of Art IT platform.
  • Well-laid out risk control and audit systems.
  • Paperless operations, except those required statutorily.
  • Well-designed training and capacity building programme for credit users to make them understand group-dynamics and judicious loan utilization.