Valar Aditi Social Finance Private Limited (VASFPL) is a Finance institution with a development focus. VASFPL was promoted by Dr. I. Sebastian, MD of VASFPL and the founder of the NGO – St. Joseph’s Development Trust (SJDT) and MBTs (Mutual Benefit Trusts) as major shareholders. Mutual Benefit Trusts are federations of Self-Help Groups, promoted by SJDT, which act as community-based organizations to ensure the sustainability of the development interventions initiated by the SJDT.

VASFPL was incorporated as a private limited company under the company’s act 1956 in (11-10-1985) and commenced its operations in August 2010. It had been registered as a NBFC-MFI with RBI in 2017 and in 2026 converted back to NBFC-ND-ICC.

VASFPL is directed at the holistic transformation of communities through provision of financial and social inclusion services that improve the standards of living of the excluded people in society, specifically focusing on the underprivileged women at the bottom of the economic pyramid. Tranquebank ApS, an investor from Denmark has joined Valar Aditi Social Finance Private Limited taking a 37.11% stake in its equity. Tranquebank ApS, with its expertise, would enrich the company towards better growth and development.

VASFPL follows Joint Liability model and provides Group Loan, Business Loan, and affordable LAP and it has 8 Branches (12 direct) with significant presence in the districts of 1. Pudukottai, 2. Sivagangai, 3. Tanjore. 4. Tiruvarur, 5. Tirunelveli, 6. Kanyakumari, 7. Nagapattinam, 8. Ramanathapuram, 9. Viruthunagar, 10. Madurai, 11. Tenkasi, in Tamil Nadu State and in 12. Karaikal district in Puduchery State. As of 31st March 2026, VASFPL has 8,321 active clients with a loan portfolio of Rs.26.28 Crore. The portfolio at risk is only 2.87%. VASFPL has BB+ Negative (March 2026) from ACUITE Ratings & Research and has MFI grading of M3 (May 2025) from SMERA Ratings Private Ltd.

MISSION

To improve the standard of living and bring about sustainable socio-economic development of the marginalized women in rural India through the provision of financial and non-financial services.

VISION

To emerge as a professionally managed MFI adding values to stakeholders and offering inclusive financial services to empower fifty thousand women at the bottom of the pyramid by 2028.

VALUES

  • Commitment
  • Transparency
  • Innovation
  • Exceptional team work
  • Ethics in business
  • Quality of service
  • Integrating social values