RBI Registered NBFC-MFI (Registration No. B-05.00844)
Non-Deposit Taking NBFC-MFI
Mission, Vision
&
Our Cultural Values
Mission
Partner in the Growth of Micro Entrepreneurs
Vision
To be the Leader on providing Total Financial Solution to Micro-Entrepreneurs
Our Cultural Values
Ownership
We take responsibility for our actions, decisions, and outcomes. We hold ourselves accountable and take pride in our work.
Pride of performance
We strive for excellence in everything we do, aiming for the highest standards of quality and innovation.
Fairness & Transparency
We operate with honesty, integrity, and transparency, treating all team members with respect and fairness.
Mutual Respect
We value diversity and treat everyone with respect, recognizing that each person brings unique perspectives and experiences to the team.
Customer-Centric
We focus on meeting the needs and expectations of our customers, delivering value and building long-term relationships.
About Us
Vedika Credit Capital Ltd is a Non-Deposit Taking Non-Banking Financial Company – Microfinance Institution (NBFC-MFI).
Originally incorporated as a Private Limited Company and later converted into a Public Limited Company (November 1995), the Company was re-registered as NBFC-MFI by the Reserve Bank of India in 2015. Since 2007, Vedika has been engaged in providing:
- Micro Enterprise Loans
- E-Rickshaw Finance
- Dairy Loan
Company operates across: Jharkhand, Bihar, West Bengal, Uttar Pradesh, Assam, Odisha, and Tripura.
Direct Microfinance Lending Services Across 7 States
Vedika Credit Capital Ltd provides loans directly from its own balance sheet.
We do not act as brokers, aggregators, marketplaces, or third-party lead generators.
All loan products are sanctioned strictly in accordance with RBI NBFC-MFI regulations and internal credit policy.
GLIMPSE OUR JOURNEY
Journey of Achievements and Growth
Vedika Credit Capital Ltd has embarked on an inspiring journey marked by noteworthy achievements and exponential growth
ABOUT OUR MANAGING DIRECTOR
Gautam Jain
Leading the Microfinance Revolution as Co-Founder and Managing Director of Vedika Credit Capital Ltd
Team
Board of Directors
Mr. Gautam Jain serves as the Managing Director of the Company. He is responsible for providing overall leadership and strategic direction to the organization. His role includes oversight of business operations, policy implementation, regulatory compliance, and stakeholder management. He works closely with the Board to ensure alignment with regulatory requirements, governance standards, and the Company’s long-term objectives.
Mr. Vikram Jain serves as the Whole Time Director of the Company. He is involved in day-to-day management, financial oversight, and operational decision-making. His responsibilities include supporting strategic initiatives, monitoring business performance, and ensuring implementation of approved policies. He contributes to maintaining operational stability and governance discipline within the organization.
Mr. Deep Kumar Hessa serves as a Director of the Company. He holds qualifications in LL.B and LL.M with specialization in Customary Law and Tribal Governance. He has been associated with non-governmental organizations and has knowledge of rural and tribal regions, particularly in Jharkhand. His background supports the Company’s understanding of socio-legal aspects relevant to inclusive finance and community-oriented initiatives.
Mr. Maqsoodul Hasan Ansari is an Independent Director of the Company. He brings extensive experience in education, training, and rural development. His academic qualifications include postgraduate studies in Social Service, Personnel Management and Industrial Relations, Marketing Management, and a Doctorate in Philosophy. He has held senior academic leadership roles and contributed to research, publications, and national and international forums. His presence supports independent judgment, social sector insight, and governance oversight.
Mr. Hari Babu Shukla is an Independent Director of the Company. He is a graduate and an Associate Member of the Indian Institute of Bankers. He brings extensive experience in the banking sector, having held senior positions across branch banking, regional management, international banking, corporate office functions, and training institutions. His presence on the Board provides independent oversight, guidance on banking practices, and support in strengthening governance and risk management.
Mrs. Sunaina Garodia, is an Independent Director of the Company. She is a seasoned professional with a strong background in human resources and entrepreneurship. She completed her schooling at Bishop Westcott Girls’ School and Delhi Public School, and holds a Bachelor of Commerce (Honours) degree from Shri Ram College of Commerce, Delhi University. She also holds a Postgraduate Diploma in Personnel Management from Xavier Institute of Social Services. She began her career with Tata Consultancy Services, where she worked in the Human Resources function from 2007 to 2014, handling key responsibilities across recruitment and talent development while working across multiple locations. In 2014, she transitioned into entrepreneurship and founded Health Freaks and Health Freaks Unplugged. As a founder, she has led end-to-end business operations, including strategic planning, marketing, finance, and operations management, and continues to be actively involved in steering the growth and sustainability of her ventures.
Team
Our Expert Team
A perfect blend of experience, knowledge, and assistance. Together, we stand to give your business a head start.
As a CFO Mr. Abhishek leads the responsibility for all aspects of the company’s Financial Responsibility functions, Governance, Managing Capital, Accounting efficiency & performance improvement, taxation & regulatory and Funding for the growth of the company. Serving as one of the strongest management pillars at VEDIKA Family from more than 10 years, Mr. Abhishek is a FCS and holds an MBA in Finance. If you don’t find him juggling Finances for the Company, you can find him spending time with his family and listening good music.
Mr. Gaurav has been taking care of Corporate and other Statutory Compliance of the company from more than 8 years. FCS and Law Graduate by qualification, he serves as one of the strongest pillars of the management team. If you don’t find him performing his professional responsibilities, you can find him reading corporate blogs and surfing ministry Sites.
He is Operations Head of the Company. He is graduate by qualification and has over 20 years’ experience in micro finance sector. His in-depth knowledge of the field and the sector makes him a vital component of the microfinance sector.
Kunal Pandey is the Risk Head at Vedika Credit Capital Ltd. He has successfully led the development and expansion of the company’s E-Rickshaw and Micro Business Loan products, building strong foundations for growth and financial inclusion. Currently, he drives Vedika’s risk management, credit governance, and process innovation, with a focus on automation, compliance, and data-driven decisioning to ensure sustainable and responsible scaling.
He is part of the HR leadership at the company. He has 10 years of experience in Management across different industries. He holds a Post Graduate degree in Business Management (PGBM) . He looks after employee engagement, performance management, policy making, and the smooth running of HR operations. He also plays an important role in planning and improving HR processes for the company. He has a practical approach to solving people-related issues and supports different teams whenever required. When not busy with HR work, he enjoys reading books on personal finance and money management.
Mr. Milan is responsible for company’s IT strategy and its sub-systems Integration. He spearheaded leads the team responsible for implementing of various Software, IT infrastructure & Security, Asset Management and other Digital Initiatives. Mr. Milan’s career spans more than 8 years, with leading position in System Analysis, Managing, Designing and Implementing of Web & Mobile Application for various MFI’s, Societies, Trusts, Cooperatives and Government Department in multiple states.
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