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A gateway to excellence and opportunities

Shiksha Finance is India’s premier company that pioneered much needed innovation in the education finance industry in India. We have assisted thousands of students to pursue their hopes and dreams without worrying about funding. We also provided loans to educational institutions to build infrastructure, purchase assets and for working capital.

COVID-19 pandemic and its aftereffects has significantly impacted educational institutions globally. The resulting stress and financial strain faced by these educational institutions have led to stressed repayment in loan accounts and school-based education loans. As a response to these challenges, many companies have made the strategic decision to transition their products from school-based education loans to MSME (Micro, Small, and Medium Enterprises) and micro loans. This shift in focus is driven by various market trends and opportunities, aligning with the long-term goals and vision of these companies.

There has been a growing recognition of the potential in supporting MSMEs and micro enterprises. These businesses play a crucial role in driving economic growth, employment generation, poverty reduction and innovation in many countries. However, they often face difficulties accessing affordable credit due to limited collateral or credit history. By shifting their focus towards MSME and micro loans, companies can tap into a market segment with significant potential for growth and endorse a meaningful and sustainable shift towards performing fundamental roles in a socially responsible manner while diversifying their product portfolio. Thereby, companies can reduce their exposure to a single industry and spread their risk across multiple sectors. This strategic move enhances the company’s resilience and sustainability, ensuring continued growth even in challenging times.

Supporting MSMEs and micro enterprises aligns with the Shiksha Finance’s long-term vision of broader socioeconomic objectives while achieving financial success. It is interesting that forecast of Indian Loan Against Property (LAP) market indicates substantial growth in the coming years. The Compound Annual Growth Rate (CAGR) of the Indian LAP market is projected to be over 14% in value terms to reach USD857.87 billion by FY2026.

Shiksha Finance proudly capitalised on these avenues and launched Small Ticket – Loan against property for MSME’s and other deserving class of customers in April 2021.

The construct of microfinance industry, as well as that of the digital lending industry, is for-profit with a positive social impact. This could be a game-changer in making microfinance a digitally enabled community-banking solution. Every player in the microfinance sector plays a distinct role in the development and growth of financial inclusion within the country and Shiksha Finance has partnered with Federal Bank as Business Correspondent since 2022 for increasing its Financial services outreach and ensuring greater financial inclusion.

Outstanding microfinance loan portfolio is poised to rise 20.3 pc in FY23 in India: MFIN.


LAP to reach USD 857.87 billion by FY2026

Source: Research and Markets

Microfinance portfolio to raise 20.3 pc in FY2023

Source: Economic times

The Shiksha Value

Quick Disbursement

All processes at Shiksha Finance run on cutting edge technology that ensure your application is processed speedily. You will experience anxiety free, quick and reliable loan disbursements.

Simple Products

At Shiksha, we are passionate about easing your loan availing services. We offer simple-to-understand financing products that deliver value to all kings of individuals or small groups with limited financial resources, and MSME loans, which cater to small and medium-sized enterprises.

Reliable Lending

When you avail our credit services, you are assured of high quality products that are custom designed for you. We strive for transparency and safety without drowning you in ambiguous fine print!
Shiksha in the media
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+91 44 6191 6600
Corporate Address

Shiksha Financial Services India Pvt. Ltd.
3rd Floor, No. 497, Kattima Isana Mall,
Poonamallee High Road,
Chennai – 600 106