Guided by Purpose, Driven by Values
Adi Chitragupta Finance Limited (ACFL) is a Reserve Bank of India registered Non-Banking Financial Company – Micro Finance Institution (NBFC-MFI) headquartered in Patna, Bihar. On 24 April 2017, ACFL received its Certificate of Registration (CoR) from the Reserve Bank of India, Patna, becoming the *first NBFC-MFI from Bihar* to be licensed by the RBI for advancing financial inclusion.
Today, ACFL is a technology-driven, service oriented and customer first oriented financial inclusion institution offering Joint Liability Group (JLG), Micro Credit Business (MCB), and MSME Finance solutions, complemented by financial literacy and enterprise development initiatives. Through responsible finance and customer-centric services, ACFL empowers underserved individuals, entrepreneurs, and small businesses across Northern and Eastern India to build sustainable livelihoods, strengthen enterprises, and foster inclusive economic growth.
ACFL was founded under the visionary leadership of Dr. R. K. Sinha, noted philanthropist, Founder of the SIS Group, and former Member of Parliament (Rajya Sabha), together with Mr. Rituraj Sinha, Managing Director of SIS Limited, and Mr. Gyan Mohan, a veteran banker with over four decades of experience. Guided by strong governance, prudent risk management, and digital innovation, ACFL continues to advance India’s financial inclusion agenda while creating sustainable opportunities for individuals, entrepreneurs, and communities.
ACFL is a strong value-based and systems-driven company with a high level of customer focus, strong corporate governance and sound ethical practices . We believe that access to responsible finance, supported by technology, financial literacy, and good governance, has the power to transform aspirations into opportunities and communities into engines of inclusive prosperity.
Mission
We intent to improve the economic condition of underserved poor through cost-effective financial products with exemplary client services, riding on the best technology, along with bringing about financial literacy and skill improvement.
Vision
To promote Financial Inclusion, Skill Building and to provide hassle-free banking facilities like small loans, small insurance products to the economically backward people either directly or through correspondent banking channel, in a transparent manner
Values
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 operative values capture that and is core to our operation.
Governance
ACFL is committed to upholding the highest standards of integrity, transparency, accountability, regulatory compliance, and ethical business practices through robust governance, prudent risk management, and responsible decision-making to ensure sustainable growth and stakeholder confidence.
Operative Values
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 operative values capture that and is core to our operation. 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. |
| 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 standardization of processes and systems. |
| Transparency | Clear and concise communication about terms, conditions and processes to clients as well as across the hierarchy of the organization. |
Rooted in Communities, Driven by Progress
Beginning the Journey
Received Certificate of Registration and commenced operations to advance financial inclusion.
Excellence Recognized
Secured Second Position in MFIN Customer Service Index Third-Party Evaluation.
Reaching New Heights
Crossed ₹100 Crore Gross Loan Portfolio, expanding access to responsible finance.
Accelerating Growth
Achieved ₹300 Crore Gross Loan Portfolio through sustainable and inclusive growth.
Creating Lasting Impact
Strengthening the Inclusion Continuum
Diversified into MSME financing, creating a seamless pathway from microfinance to enterprise development.
“Our purpose is to help people and organizations dream bigger, move faster, and build better tomorrows for all.”
John Smith
2024 Diversity, Equity, and Inclusion Report
- 2025
