About Us

Adhikar a Non-Banking Financial Corporation – Microfinance Institution (NBFC-MFI) based out of Odisha is governed and regulated by Reserve Bank of India. Our success has been built on the foundation of financial inclusion where we are determined to bring the socially and economically backward people within the reach of financial accessibility. Over a span of 15 years company has touched the lives of 1.50 lakh people through its 84 branches in four states across the country.

Adhikar is convinced of Financial Inclusion as one of the most powerful tools for social transformation and intensely focuses on this. Adhikar pioneered a paradigm shift from traditional way of lending to issue based financial product designing suitable to meet the specific needs of the poor and underprivileged people of the society. With a basket of financial and non-financial products Adhikar works as preferred partner of the customers in transforming their social and economic life. We are not restricted to only financial support but also to capacitate/educate our customers regarding the use and management of financials through financial literacy training.

We focus on robust digital technology to reach out to customers in remote locations and satisfying the needs of customers. Adhikar is the only MFI in Eastern India to reach the most disadvantage people in some of the aspirational districts of Odisha, Chhattisgarh, Assam and West Bengal. We cherish this idea and further strengthen it to achieve financial inclusion into a reality.


  • Vision
  • Mission
  • Promoters


Be the first choice resource in improving the quality of life of 5 lakh clients and their families by 2020.


With commitment, integrity and transparency, we provide financial and related services in a sustainable manner to enable the poor to achieve social equity and economic empowerment .


Adhikar Microfinance is led by Mr. Mohammad Nooruddin Amin, an Ashoka fellow, with an experience of 26 years in the development sector and 15 years in the area of microfinance.
Who is anAdhikarcustomer ?


Hardworking and gritty


Determined to find a way out

Collaborative : a team worker


Women between 18-55 years

Permanent resident of a village/ slum

Permanent resident of a village/ slum

Member of a joint liability group (JLG)