RBI-REGISTERED # NBFC-MFI
Trusted loans
Trusted loans
for growing
small businesses
Empowering micro-entrepreneurs with simple, responsible and reliable financial support.
0% Application Fee
Save from day one — no hidden costs.
No Hidden Charges
Complete transparency. What we promise is what you get.
Fast Approval
Approval within 48 hours — money directly in your bank account.
Friendly EMIs
Repayments designed around your Business’s cash flow.
AUM 1600+ Cr.
ABOUT OUR COMPANY
Vedika Credit Capital Ltd is a Non-Deposit Taking 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. Company operates across: Jharkhand, Bihar, West Bengal, Uttar Pradesh, Assam, Odisha, and Tripura. Since 2007, Vedika has been engaged in providing:
- Group Loan
- Dairy Loan
- Shopkeeper Loan
- Business Loan
- E-Rickshaw Loan
- Wash Loan
Our Presence
We are spread across the country with strong reach and impact.
0
Lakh +
ACTIVE CUSTOMERS
0
BRANCHES
0
STATES
0
cr+
AUM
Mission, Vision & Our Cultural Values
Our Cultural Values
01.
Ownership
We take responsibility for our actions, decisions, and outcomes. We hold ourselves accountable and take pride in our work.
02.
Pride of performance
We strive for excellence in everything we do, aiming for the highest standards of quality and innovation.
03.
Fairness & Transparency
We operate with honesty, integrity, and transparency, treating all team members with respect and fairness.
04.
Mutual Respect
We value diversity and treat everyone with respect, recognizing that each person brings unique perspectives and experiences to the team.
05.
Customer-Centric
We focus on meeting the needs and expectations of our customers, delivering value and building long-term relationships.
// Our solution
In a comprehensive loan
GROUP LOAN
A Group Loan is a shared loan where a group borrows together and guarantees each other's payments. If one person defaults, the rest must cover it.
BUSINESS LOAN
A Business Loan is flexible capital designed to fund your Business operations or growth. We provide the upfront financing with hassle-free repayment terms.
SHOPKEEPER LOAN
Shopkeeper Loan helps small shop owners get funds for stock, shop repair, working capital, or business growth. We provide the upfront financing simple hassle-free repayment terms.
DAIRY LOAN
A Dairy Loan is flexible capital designed to fund cattle purchasing, shed construction etc. We provide Financing your dairy farm needs with simple, hassle-free repayment terms.
E-RICKSHAW LOAN
An E-Rickshaw Loan is flexible capital designed to fund commercial electric rickshaw purchases. We provide the upfront financing your for your vehicle needs with simple repayment terms.
WASH LOAN
A WASH Loan is flexible capital designed to fund water connections, toilet construction, or sanitation upgrades. We provide upfront financing your household or community needs.
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
1999
1999
Become first Entity from Jharkhand to
Get NBFC-MFI License From Reserve Bank of India
// ABOUT OUR MANAGING DIRECTOR
Leading financial inclusion with vision, trust, and experience.
Gautam Jain, Co-Founder and Managing Director of Vedika Credit Capital Ltd, is a trusted leader in the microfinance industry with 25+ years of experience. With strong expertise in microfinance, entrepreneurship, and financial inclusion, he has been driving Vedika’s mission to empower micro-entrepreneurs with accessible financial solutions.
Gautam Jain
Managing DirectorVedika Credit Capital Ltd
HOW ITS WORKS
Get Your Loan Offer in just 2 Minutes
01.
KYC Verification
We securely verify your PAN, Aadhaar, and basic business details as per government rules to keep your loan process smooth and safe.
02.
Bank Statement
Upload your last 6 months’ bank statement or fetch it instantly via OTP for faster processing.
03.
Loan Eligibility
Your loan eligibility is calculated using your banking and business performance to offer you the best possible loan amount.
GLIMPSE OUR JOURNEY
What People Say about us
Vedika Finance is recognized for its customer-focused approach and commitment to making financial services more accessible. Customers often describe Vedika Finance as a trusted partner that understands their needs and provides timely financial support.
People appreciate the company's transparent processes, responsive service, and personalized guidance throughout the loan journey. Many borrowers value the ease of application, clear communication, and the support they receive from the team.
[ Contact Us ]
Feel free to get in touch or visit our location.
Phone: +91 9431710000
Alternate: +91 92292 02994
Email: customer.service@teamvedika.com
Working Hours: Monday to Saturday, 10:00 AM – 6:00 PM
(Closed on public holidays)
If you wish to raise a formal complaint, you may contact:
Kamaljeet Kaur
Grievance Redressal & Chief Nodal Officer
Email: nodalofficer@teamvedika.com
Phone: +91 9431710000
If a complaint remains unresolved, customers may escalate the matter under the RBI Integrated Ombudsman Scheme, as applicable.
Vedika Credit Capital Ltd:
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Is an RBI-registered NBFC-MFI
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Provides loans directly from its own balance sheet
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Does not act as a broker, aggregator, or investment advisory platform
Customers are advised to communicate only through official contact details listed on this website.
Feel free to get in touch or visit our location.
