One of the most credible names in the financial inclusion space in India

Connecting worlds, transforming lives

Northern Arc Capital (www.northernarc.com) works towards financial inclusion by providing efficient and reliable access to capital for institutions that impact low-income households and businesses.

Established in 2008, Northern Arc has an unparalleled track record of having enabled over INR 750 billion (USD 10.5 billion) in financing to financially excluded segments, impacting over 43 million lives across the length and breadth of the country. Having been an integral part of the growth and emergence of key financial inclusion oriented sectors such as Microfinance, Small Business Loans, Vehicle Loans, Affordable Housing, Agri-biz Finance and Consumer Finance, Northern Arc brings highly nuanced and multi-dimensional operational experience in the fields of lending, investing and structuring. Over the years, Northern Arc has pioneered several innovative and revolutionary structures in the Indian market including Persistent Securitisation (PerSec), Multi-Originator Securitisation (Mosec ™), Single Issuer Partially Credit Enhanced (SPiCE ™) Bond and recently, India’s first listed invoice backed securitisation transaction.

Northern Arc is backed by reputed investors such as LeapFrog, Accion, (Eight Roads Ventures formerly Fidelity Investments), Affirma Capital (formerly Standard Chartered Private Equity), Sumitomo Mitsui Banking Corporation and IIFL. The company has also had tie-ups with leading global development finance institutions such as Asian Development Bank and FMO, among others.

Northern Arc has won several awards and accolades over the years and is a leader in the finance inclusion space in India. The company holds a 4-star rating from GIIRS for operations and is classified as Platinum for its Impact Business Model (IBM) Rating.

It is Northern Arc’s unwavering mission to enable access to finance for the underbanked in an efficient, scalable and reliable manner.

750 billion+


47 million+


583+ districts