OVERVIEW
At Sambheshwar fin, our nuanced understanding of the financial services sector, deftly balancing risks with rewards, combined with a relentless focus on systems, processes and the highest governance standards, enables us to deliver quality services to our customers.
Sambheshwar fin is one of India’s leading financial services conglomerates, offering a robust platform to a diversified client base across domestic and global geographies.
Our continuous and single-minded focus is on understanding customers’ needs and offering the right financial solutions. Present in every financial life stage of a customer, helping them create wealth, grow wealth and protect everything, are our key lines of business.
• Retail Credit (Home Loans, SME and Business Loans)
• Asset Management (Mutual Funds and Alternative Assets)
• Asset Reconstruction
• Insurance (Life, General)
This diversified business model reflects our experience across India’s multiple consuming facets, from industrial behemoths and large companies to small business as well as the average Indian urban and rural household.
Our Vision
To become a trusted financial partner for millions by
expanding our reach, embracing innovation, and continuously
improving our services to meet evolving customer needs.
Our Values
We believe in transparency, commitment, and customer
satisfaction. Every step we take is guided by integrity,
teamwork, and a passion to deliver the best financial solutions.
"A Message from Our Founder"
Many small and micro businesses in India face a huge obstacle to their progress – lack of access to capital. Many of them are in unorganized sectors, do not maintain detailed business accounts, do not have any credit history and loan needs are often very small. Formal credit providers have shunned them because it is not easy to underwrite these loans.
Aye has picked up the gauntlet to break this vicious cycle. As the conventional data sets were not available, we pioneered a method that relies on using the unique patterns of an industry cluster backed by our time-tested data science models. Our ability to underwrite these 'edge' cases, where little formal data exists, differentiates us in our markets.
Our strength goes beyond just technology. We have a deep branch network and a large team spread across the country. Our 'high tech, high-touch' approach has helped us reimagine and expand the boundaries of possibilities for our unique clientele.
We have gone beyond being a lender and helped these businesses in market development, quality management and financial competence. Thanks to this all-round approach, we have seen positive social impact in cross-sectional studies done to evaluate the impact on our customers.
We do not want to be merely recognized for what we have done but also for how we have done it. We will not hesitate to explore and experiment, we will keep our customers at the center of all that we do, we will always be honest and worthy of trust placed in us by our investors and regulators and we will always strive to make a difference to the communities we serve.
Above all we will stay humble and grateful.