Company Profile
Our clientele primarily consists of women residing in rural and semi-urban regions. We are dedicated to reaching unbanked women entrepreneurs from economically and socially disadvantaged backgrounds, providing them with essential financial services. Our role extends beyond mere financial assistance; we also aim to empower our clients with financial management skills through the promotion of financial literacy. At Samvedna, we uphold strong business practices and transparent policies, emphasizing our commitment to customer-centric initiatives. Our goal is to foster value and sustainable growth for all stakeholders while prioritizing our clients' needs.
Vision & Mission
Vision
"To be a leading catalyst for financial inclusion, empowering individuals and communities to achieve sustainable prosperity and a better quality of life."
Mission
"Our mission is to provide accessible and responsible financial services to the underserved, fostering entrepreneurship, promoting financial literacy, and driving socio-economic growth."
Board of Directors
Puranam Hayagreeva Ravikumar is a distinguished banking veteran whose career spans more than five decades across India’s financial landscape. With foundational roles in institutions such as Bank of India, ICICI Bank, and NCDEX, his journey reflects both pioneering spirit and principled leadership.
Starting with 32 impactful years in banking—22 of which were at Bank of India, including an overseas posting in Paris—Mr. Ravikumar went on to be a founding member of ICICI Bank, playing a vital role in building its Treasury and Corporate Banking divisions. His contributions during the bank’s formative years remain integral to its trajectory as a financial powerhouse.
Following this, he served as MD & CEO of NCDEX, India’s national commodity exchange, and later led Invent ARC, expanding India’s asset reconstruction capabilities. In his entrepreneurial stride, he co-founded Vastu Housing Finance and guided it as Chairperson during its formative years of growth and inclusion.
A respected statesman in microfinance and inclusive banking, he has chaired institutions like Bharat Financial Inclusion Ltd., Utkarsh Small Finance Bank, and served on the Boards of Federal Bank, IFFCO Kisan Finance, and several others—bringing strategic clarity, governance depth, and stakeholder trust to every seat he occupies.
His thought leadership extends internationally, with his appointment to the global Board of the Chartered Institute for Securities & Investment, UK, marking him as the first non-European to hold that honor. Today, as Chairman of ICICI Prudential Trust Ltd., and a guiding presence on multiple Boards including Aditya Birla Capital Ltd., Mr. Ravikumar continues to shape India’s financial evolution with unwavering commitment.
A commerce graduate and certified associate of both the Indian and London Institutes of Bankers, he is also an Honorary Fellow of CISI, London—an emblem of his legacy as a bridge between institutions, generations, and geographies.
Ms. Ramni Nirula, retired as Senior General Manager of ICICI Bank Limited. She has more than 4 decades of experience in the financial services sector, beginning her career with the erstwhile ICICI Limited in the project appraisal division. Since then she has held various leadership positions in areas of Project Financing, Strategy, Planning & Resources and Corporate Banking.
She was part of the top management team instrumental in transforming ICICI Bank from a term lending institution into a technology led diversified financial services group with a strong presence in India’s retail financial services market. She was also part of the top-level task force, which successfully planned and implemented ICICI Bank’s entry in the Rural Banking, Microfinance & Agriculture Business group, identified by the Bank as a key thrust area. Ms. Nirula also held key position as Managing Director & CEO of ICICI Securities Limited, the Investment Banking arm of ICICI Bank Limited. She also headed the Corporate Banking Group for ICICI Bank. In addition, she was also responsible for setting up the Government Banking / Corporate Agri Group based out of New Delhi within the bank.
Ms. Nirula helped to set up / take forward I-Banks’ CSR initiative through the ICICI Foundation set up with a focus on delivery of primary health, primary education and access to finance.
Ms. Nirula has been a member of the Board of many ICICI group and associate companies i.e. ICICI Securities Limited, ICICI Direct and 3i Infotech. Additionally, she has been a member of Board of leading companies in India.
Ms. Nirula has also been on the Board of non-corporates like a leading residential school for girls namely Welham Girls School, Dehradun, a Micro Finance Institution in India and Advisory Council Member of ICICI Knowledge Park Trust. In addition to the Corporate Boards, Ms. Nirula is presently on the India Advisory Board of a Boston based global PE fund set for advising on investment opportunities in India and supporting investee companies in their biz growth.
Ms. Nirula holds a Bachelor’s Degree in Economic and a Master’s degree in Business Administration from Delhi University.
CURRENT DIRECTORSHIP –
- HEG Limited
- Usha Martin Limited
- Kirloskar Brothers Limited
Shri Praveen Kumar Agrawal is an Independent Director of Samvedna. He has about 35 years of experience in banking and Non- Banking Financial Company. He serves Small Industries Development Bank of India ( SIDBI) for about 28 Years. His last association with SIDBI was as Chief General Manager (CGM).
After his Voluntary Retirement (VRS) he joined Easy Home Finance ( A Housing Finance Company based in Mumbai) as a Chief Executive Officer and Whole Time Director. He has wealth of experience in Management Information System (MIS), Treasury Management, Resource Planning and Mobilization, Project Financing, Housing Finance and Project Management.
Shri Agrawal is Master in Statistics from Allahabad University, Prayagraj, Uttar Pradesh
Shri Punit Jain, Shri Punit Jain is an Independent Director of Samvedna. He has about 40 years of experience in IT , particularly in Banking, Financial Service and Insurance (BFSI) sector. He served as Senior Executive in renowned companies such as Xerox, Newgen Software Technology, Datamatics Global Services, nelito system. He was associated with nelito as a CEO.
He has wealth of experience in IT and Marketing.
Shri Jain is B. Tech. in Electrical Engineering From IIT Bombay and MBA in Marketing and Finance from IIM Bangalore.
Trilok Nath Shukla – Managing Director – 27 Years back Trilok has tested his hands in Microfinance and today he turned out as Seasoned Microfinance and Banking Professional. He started with CASHPOR Micro Credit, a renowned microfinance Company in North India, as a founding member and promoter of the Company.
He spearhead various vertical such as HR, Internal Audit, Business and Control functions in lead roles. After 12 years of serving CASHPOR he joined Utkarsh Microfinance Ltd as founding member and Whole Time Director. Later Utkarsh Microfinance has converted to Utkarsh Small Finance Bank where he was one of the promoter. His last association with Utkarsh Small Finance Bank was Head Micro banking. As Business Head-Micro Banking, he was responsible for entire micro banking business of bank spread over 13 states overseeing 666 branches, 11000+ employees and business of over Rs.11000 Cr. Trilok is instrumental in Microfinance loans, Individual Loan/MEL Consumer Durable Loans financing, Cross-sale Products Financing, Policy & Process management, Crisis Management, Business growth, Manpower Management, Credit and Risk Management, Internal Audit, Training and Development.
Trilok is B.Sc. in Mathematics and MA in Sociology from Purvanchal University, UP. He also holds Advance Diploma in Rural Technology Development and Management from Institute of Engineering and Rural Technology, Prayagraj, Uttar Pradesh. During his professional career he has earned various certification from premier national and international institutes, few of them are – MDP for Management professionals and program on Business Perspective for HR Managers at IIM Ahmedabad, Microfinance Training organized by Boulder University at Turino Italy. He also has exposure to renowned national and international microfinance Institutions such Grameen, ASA, BRAC etc..
Akhilesh Kumar Singh –(Director & Chief Financial Officer) – Akhilesh has over 27 years of progressive experience, divided in practice (17+ years) and consultancy (10 years) in global Microfinance Industry. He has started his career with CASHPOR Micro Credit and spearhead various verticals such as operations, planning and financial performance management, and insurance.
Then he moved to MicroSave consulting and led the microfinance practice in Asia, South East Asia and African countries. He supported Financial Institutions in strategy, financial projection, budgeting, financial performance management, accounting system and process set up, risk management, product and process innovation and optimisation in different capacities while working with MicroSave. He has advised to over 50 small to large microfinance companies and banks in these geographies. His last association is with Sonata Finance Pvt. Ltd. since 2017 as a Chief Financial Officer, where he served for over 7 years. Akhilesh is Graduate in Mathematics (Hons.) with statistics and Economics as complementary subjects. After his Graduation he has completed “Advance Diploma in Rural Technology Development and Management” from Institute of Engineering and Rural Technology”, Prayagraj UP. During his professional career he has earned certifications in professional courses from national and international premier institutes. Few of them are – Machine Learning for Finance, Algorithmic Portfolio Management, Corporate Finance and Risk Management, Wealth Management and Portfolio Investing from Indian Institute of Technology Roorkee in 2023. Certified Expert in SME Finance, Frankfurt School of Finance and Management, Germany, 2016 and Management Development programme of IIM Ahmadabad, 2006.
Management Team
Arvind Narayan Tripathi – Zonal Manager
With over 17 years of distinguished leadership experience in microfinance and banking operations, Mr. Arvind Narayan Tripathi has held senior management positions at renowned institutions including CASHPOR Micro Credit, Utkarsh Small Finance Bank, and Satya MicroCapital Ltd.
Throughout his career, he has successfully led critical functions such as credit appraisal, client acquisition, team leadership, and portfolio oversight. His business leadership in North Bihar has been especially impactful—managing over 2 lakh borrowers, a portfolio surpassing ₹500 crore, and a workforce of more than 500 professionals.
Mr. Tripathi excels in designing business strategies, implementing service standards, spearheading outreach initiatives, ensuring regulatory compliance, and fostering high-performing teams. His results-driven approach ensures sustained customer satisfaction and organizational profitability.
A proven catalyst for growth, he has consistently delivered outcomes in high-volume, high-impact regions by establishing robust risk management and structured loan evaluation mechanisms. His leadership has been pivotal in enhancing compliance protocols and propelling business expansion.
Jyoti Kumar – Regional Manager
Jyoti Kumar has extensive experience in microfinance operations, he has served at middle management in various microfinance companies, where he has overseen area surveys, branch setup, business growth, staff management, training, and recruitment.
Previously, he held managerial roles at Satya Capital, Arohan Financial Services Ltd. and Satin Credit Care Network Limited, progressing from training CSO to territory manager. His expertise includes branch establishment, team leadership and field monitoring.
Achievements:
- Recognized for outstanding performance, he has received multiple awards, including highest disbursement achievements, COVID-related contributions, and top rankings in business and collections.
- Education:
- He holds an MBA in Finance from Himalayan Garhwal University (2019) and a Bachelor of Arts from Jaipur University (2015), along with strong academic performance in high school.
Vinit Kumar Pandey – Manager Training
Vinit Kumar Pandey is a seasoned microfinance professional with extensive leadership experience in portfolio management, business growth, and financial risk management. His strong analytical mindset and ability to navigate competitive landscapes make him a valuable asset in the industry.
He has over 18 years of experience in the microfinance industry, specializing in sales, collections, credit, audit, and portfolio management. Held senior leadership positions across multiple microfinance institutions, managing large teams and portfolios. Expertise in risk analysis, competitive strategy, and expansion into new markets. Proven ability to drive business growth, maintain low NPAs, and ensure strong repayment rates.
He worked as Deputy Business Head at Prayatna Microfinance Limited, State Head at Satin Finserv Ltd., Capital Trust Ltd., and L&T Financial Services, Senior Managerial roles at Mitrata Finance,and Utkarsh Microfinance. He has started his career at SKS Microfinance and CASHPOR Micro Credit.
Akhilanand Tripathi – Chief Manager Corporate Centre
Akhilanand Tripathi has 14 years of experience in finance and banking sector with expertise in credit analysis, micro-banking, and financial product development. He holds a Bachelor’s degree in Commerce from Harishchandra P.G. College, Varanasi, and has also pursued specialized training in Accounting and Finance.
His career spans over a decade, with significant roles in Paisalo Digital Limited as Manager Credit (BIU) and Utkarsh Small Finance Bank Limited as Assistant Manager II, where he specialized in data analysis, MIS reporting, compliance, and portfolio management. He has successfully led key business projects, including the implementation of the Business Correspondent Model of Indus-Ind Bank, the launch of JLG cashless loan disbursement, and testing of banking software solutions. His achievements include being recognized as the Employee of the Year from 2016 to 2023. His skills extend to operational training, product research, and business requirement analysis, making him a valuable asset in financial operations and strategy.
Dr. Varuni Yadav – Manager-HR & Corporate Communication
A seasoned professional having 13+ years of experience in academia, HR strategy, employee training, compliance, and communication management. Adapt at developing and implementing HR policies, fostering a positive corporate culture, and leading organization-wide communication strategies to enhance brand presence and employee engagement.
Varuni had been spearheading HR initiatives aligned with business objectives, managed internal and external communication to strengthen brand identity, designed impactful training programs for employee growth in her previous assignments. She has been instrumental in driving culture-building initiatives to enhance productivity and handling sensitive communications effectively during organizational challenges. She ensures regulatory adherence, including POSH compliance etc.