About Us

Adhikar Microfinance is an Odisha-based NBFC-MFI operating in four states through 73 branches. Inspired by the global success of microfinance, Adhikar Microfinance, as a society, commenced its financial inclusion operation in 2004. In 2008, Adhikar Microfinance was registered with the Reserve Bank of India. In the year 2012, the organization graduated to the status of NBFC-MFI.

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 community. The poorer communities benefiting from these financial products are fishermen, artisans, farmers, other small entrepreneurs, Scheduled tribes and other such deprived communities who need to be financially included so that they can make a lasting change to their subsistence living.

Over the years, it has evangelized several financial inclusion programs through remittance, credit linkage to self-help groups (SHGs) and credit for income-generation activities, water and sanitation, housing improvement and insurance to customers. Till date, the Company has cumulatively disbursed 400 crores to the unreached and under-served poor who are away from formal banking system. Today Adhikar has reached out to 2.5 lakh families providing not only credit but also other financial services like savings, insurance, and remittance. Adhikar has a strong presence in some of the most backward districts of Odisha like Nabarangpur, Koraput, Kalahandi, Bolangir, Nuapada. As per recent assessment, the organization has served more than 25,000 Self Help Groups, reaching out to vulnerable households spreading across 22 districts of 4 states. The organization has an outstanding portfolio of 177 Crores . Cumulative disbursement till date is more than 1000 Crores. Adhikar is a business correspondent of Yes bank, IDBI, State Bank of India and Reliance.

  • 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 22 years in the development sector and 14 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)