ACFL recognises a set of values which are pertinent to achieve the mission of the organisation.Values are deeply held beliefs and are meant to be expressed through day-to-day behaviours 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 organisation by all staff. Be truthful to all.
Enable integrity Strengthen and imbibe the culture of morality and ethical work culture.
Superior team work Ownership of success and responsibility of failure shared by all. Operation with shared vision and togetherness in every aspect related to ACFL.
Professionalism 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 standardisation of processes and systems.
Transparency Clear and concise communication about terms, conditions and processes to clients as well as across the hierarchy of the organisation.


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.
  • Start with the state of Art IT platform.
  • 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.