They said financial services are only for cities. 
We proved them wrong. 
From villages without PIN codes to towns without branches, we’ve delivered more than loans - we’ve delivered belief. 
 
What We Believe 
At Ritwik Finance, we believe access to credit isn’t a luxury. 
It’s a right for every hard-working family, farmer, and small shop owner. 
We built our model on empathy, understanding, and grounded innovation. 
Because the person we serve isn’t a CIBIL score. They’re someone’s father, mother, son, or 
dreamer. 
 
Why People Trust Us 
• 30+ years of grassroots lending experience 
• 6000+ customers across Rajasthan 
• ₹50+ Cr disbursed with 97% recovery 
• 300+ field executives trained in native dialects 
• RBI-registered NBFC with ISO compliance
• Loans processed in 4–5 days with doorstep KYC 
• We count daily wage, cattle, tractor, and mandi receipts as real income - because they 
are. 

What Makes Us Different 
 
Most NBFCs need high CIBIL. We accept 600+. 
Most NBFCs need documents. We accept proof from real life. 
Where others fear rural lending - we see value. 
 
With biometric-based on boarding, vernacular contracts, and village-rooted executives, 
we’ve made finance feel like family dealings. 
 
Do We Work? Ask Our Borrowers.
• 21-year-old girl funded for nursing diploma - now a hospital staffer.
• A father cleared his daughter’s marriage debts with a ₹2,00,000 loan. 
• 52-year-old widow now runs a tea stall with help from our micro-business fund.
 
These aren’t case studies. They’re stories. 
And they’re just a few out of thousands. 
Let’s Talk 
 
Whether you’re an investor, fintech collaborator, or someone building better financial 
systems - we’d love to connect. 
 
Message us here. Or visit: www.ritwikfinance.com  

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Finance

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RITWIK FINANCE ENTERPRISES PVT LTD

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