100+ employees driving client acquisition through grassroots outreach in Ahmedabad and surrounding areas
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Leading RBI-Registered NBFC in Gujarat
The Company was originally incorporated under the name Citizen Eco-Capital Limited under the Companies Act, 1956 with registrar of Companies, Gujarat on 23rd February, 1996 with main object to carry on the business as Finance Company. Subsequently the name of the Company has been changed to Ashutosh Finance Limited on 20th August, 1998 and converted into private limited company under the name Ashutosh Finance Private Limited with effect from the same date. The Company is registered as Non-Banking Finance Company (“NBFC”) with Reserve Bank of India having valid Cor No. : B:01.00404.
Subject to the approval of Reserve Bank of India (“RBI), the management and control of the Company has been changed with effect from 1st July, 2025 and Mr. Navnitbhai Zala and his family members acquired management and control of the Company. Upon change in the management of the Company, the name of the Company has been changed from Ashutosh Finance Private Limited to Ashutosh Finance (India) Private Limited with effect from 1st December, 2025.
We are committed to empowering clients with transparent, efficient financial services that promote financial inclusion and stability. Our goal is to simplify lending process while upholding the highest standards of integrity and innovation with a long-term projection of impacting one million households.
To be an efficient, innovative, and admired finance company positively impacting lives affordable, transparent, and personalized solutions.
We operate with transparency, ethical conduct, and full ownership of our actions, ensuring trust, responsibility, and consistent professional standards in everything we do.
We believe in collaboration and shared goals, empowering our people to work together effectively and deliver collective success across all levels of the organization.
We are committed to high standards, service excellence, and complete customer satisfaction, striving to create lasting value through reliable and impactful financial solutions.
At Ashutosh Finance (INDIA) Private Limited, our team of 130 dedicated professionals powers our mission of delivering reliable financing across Gujarat.
Organizational Structure: We operate a streamlined hierarchy designed for efficiency and client focus, from frontline sourcing to strategic leadership.
100+ employees driving client acquisition through grassroots outreach in Ahmedabad and surrounding areas
8 branch managers overseeing daily lending and service delivery including Branch Operation Managers & Asst. Branch Managers
3 unit managers coordinating regional performance and targets
2 Business Heads ensuring alignment across Gujarat markets.
- Accounts team for financial accuracy
- HR team handling onboarding, policies, and compliance
- Branch operations team for seamless execution
- Back office operations team managing workflows
- Credit team assessing risks for loans from ₹50K-₹3 Cr
- Audit team upholding RBI standards
- Insurance Team
- IT Team
The Company is governed by a Board of Directors comprising Mr. Navnitbhai Vishabhai Zala, Mr. Karan Navnitbhai Zala, Mr. Kanubhai Ranchhodbhai Maheria, and Ms. Dipti Navnitbhai Zala. The day-to-day operations of the Company are managed by Mr. Karan Navnitbhai Zala, Director of the Company.
We specialize in personal loans from ₹50,000 to ₹3 Crore, covering unsecured loans for low-income families and larger secured options for business expansion.
Loans are often processed within 48 hours with minimal documentation and customized repayment tenures.
Serving 2,400+ active clients, we have built trust through responsible lending and high recovery performance.
Led by a young and dynamic director, including Mr. Karan Zala, our leadership team ensures strong governance, capital adequacy, and strict RBI compliance.
We are committed to delivering a seamless and customer-centric lending journey through quick digital onboarding, real-time tracking support, and personalized financial advisory beyond traditional lending services. Our approach ensures transparency, convenience, and continuous assistance at every stage of the customer relationship, creating long-term trust and satisfaction.
- Instant loan disbursals (₹50K-₹3 Cr) directly to bank accounts, eliminating cash handling risks
- Automated collections via UPI, NEFT, and wallets, boosting recovery efficiency and reducing NPAs
- RBI-compliant transparency with real-time audit trails, enhancing trust for our 1,903+ clients and 130-member team
Hear what our clients have to say about their journey with us.
Ashutosh helped me get a loan when no one else did. Process was simple, and the team was supportive.
Very thankful to Ashutosh team. I got funds quickly for my daughter’s wedding. EMI plan also suited my income perfectly.
I was worried about paperwork, but they made everything easy. Loan approved fast. Excellent support from start to finish.
