OUR STORY

We live in a world where capital creates opportunity. In India, most of this capital rests in the hands of a few and rarely trickles down to those that really need it. If we do nothing, this gap between the haves and have nots would only get bigger. So we decided to do something about it. when we decided that it was time for a change. As an established Non-Banking Financial Company today, Expandus Capital Limited aims to trigger change in the area of financial inclusion.

To drive collective progress, by catering to the needs of the low-income group and economically weaker sections that too often get overlooked. Our focus on progress goes beyond financial aid, to driving “change for good”. We believe financial progress grants families access to health, education and an overall better quality of life. It only takes one person from a family, village, town or city to create this much needed trajectory of upward mobility.

The higher the income earned, greater the purchasing parity, which in turn, results in a rise in the funds circulated in the immediate ecosystem and the economy at large.
To put it simply, a change that affects one, impacts all and influences collective growth. The credit we’ve disbursed through our MSME and Home Loans has helped us build a community, rather than a customer base.
Our ecosystem of employees, vendors, bankers, shareowners and individuals is what drives our success.

We believe this community is the first step to a self-reliant, financially inclusive in India.
With the goal of collective financial and social growth on the one hand and individual progress on the other, Expandus Capital Limited acts as the bridge between the two. We hope to build a self-reliant ecosystem that drives financial inclusion and independence in India by activating growth at an individual level that results in collective development.

ABOUT US

Expandus Capital Limited is a diversified Non-Banking Financial Company (NBFC) with a presence primarily across two key verticals - MSME Loans and Home Loans. Our focus on MSMEs, the growth drivers of the economy, cuts across restaurants, small manufacturing units, traders, private schools, and goes beyond. With 24,564 active relationships as of December’ 21.

Expandus Capital Limited addresses the capital needs of MSMEs by offering tailor-made business and term loans to help them finance their capital and operational expenses. As a key contributor to the Government’s Flagship scheme, Expandus Capital Limited provides home loans to lower and middle-income families. We have empowered 21,523 families and helped them realise their dream of owning a home. Our tech-enabled processes and smart analytics ensure that we offer products, services and solutions that meet the diverse requirements of our customers.

We believe that equal access to capital can drive collective social growth and wellbeing and we’re committing to the last mile delivery of this capital for:

The determined & enterprising

Making India self-reliant across all social & economic classes is at the heart of our conception. Due to lack of documentation, security and awareness, even the determined and hard working remain underserved. We believe capital should be accessible to everyone.

Transformative social change

We invest ourselves, our time, money and expertise on everyday people who have decided to make a positive change in their lives. We are in the process of creating a new model of growth and progress that doesn’t just create economic value but triggers a ‘change for good’ for society at large. A change for a lifetime of economic, social prosperity and overall well being.

Equal opportunities

We believe that witout equal access to capital, the democratisation of opportunities is impossible.Equal right to capital without bias os discrimination based on gender, social or economic background. Our Loans are not just focussed on creating financial wealth, but also enrich the lives of individuals and their families.

OUR VALUES

The determined & enterprising

We live in a world where capital creates opportunity. In India, most of this capital rests in the hands of a few and rarely trickles down to those that really need it. If we do nothing, this gap between the haves and have nots would only get bigger. So we decided to do something about it.

OUR VALUES

Capital as a “Change for good

The right capital at the right time has the potential to create opportunities and trigger the cycle of change for good. Enriching lives beyond financial returns, to give families access to health, education, opportunities, and a better quality of life. Every day, we act as catalysts of this change.

OUR VALUES

Collective social growth and well-being

The well being of society at large doesn’t stem from the wealth of a few, but the economic and social progress of all. The loans we give to the MSME sector and for the provision of affordable housing to the underserved has a domino effect that goes well beyond the scope of our customers.

OUR VALUES

People take priority

We see the individual behind the business, as a human first and customer second. We are motivated by the financial and social well being of the lives we touch and their families. We believe that their personal progress will get us across the finish line.

OUR VALUES

Identity beyond economic status

Every person has the potential to change his or her life. Our role is to give them the support they need to take the reins. We hope to level the playing field for the economically weaker segments of the society, who remain underserved. Rather than labeling individuals without a credit history as credit unworthy, we assess a customer’s repayment capabilities through a unique discussion-based approach.

OUR VALUES

One team. One purpose.

6600+ dedicated employees, numerous departments, and multiple locations. All united by a single goal. We each have a unique role to play as we work towards delivering opportunities for change. Our people power progress, not just for us, but for every life that our services help transform.

VISION AND MISSION

Our vision is to address the needs of the underserved by deploying capital that facilitates a change for good.

Our mission is to revolutionize the way credit works in India with our flexible and intuitive loans. We deliver credit to a wide spectrum of MSMEs and individuals with limited credit history to drive a financial and social impact for our customers and society at large.