About Us

The journey of Fincare Small Finance Bank was the process of coming together of 2 NBFC Micro Finance Institutions, Future Financial Services Private Limited and Disha Microfin Private Limited. Disha Microfin Private Limited received the final license from the RBI under section 22 of the Banking regulation Act, 1949 to launch Banking operations in May 2017. The Bank commenced banking operations on 21st July 2017, with a vision to enable the financial inclusion of the unbanked and underbanked base of the pyramid, mass retail and micro and small enterprise segments with the active participation of the affluent. In the first quarter of FY20, Fincare Small Finance Bank was included in the Second Schedule of the Reserve Bank of India Act, 1934. By virtue of this, the Bank is now a Scheduled Commercial Bank, a status that reflects the highest degree of trust and good governance.

Fincare Small Finance Bank has a suite of smart banking products such as Savings Accounts, Current Accounts, Fixed Deposits, NRI Fixed Deposits, Recurring Deposits, Micro Loans, Cash Overdraft, Loans against Gold, Loan against property, Institutional Finance and Two-wheeler Loan. Since inception, the digital paradigm has always been the force multiplier that would enable us to emerge as a best-in-class player in the banking landscape in India. We recognize digital as the currency that is going to radically change India’s future and in particular banking. With a 3D approach viz. Digital, Doorstep and Delightful rates, we are confident of becoming a force to reckon and a ‘Smart Bank of choice’ in India.

Fincare Values
Fincare Values
Deliver banking that is fair, transparent and dignified- Zero tolerance for mis-selling & YOU first approach empowering customers to exercise options most valuable to them!
No innovation for the sake of innovation but innovation for achieving a greater purpose!
Understanding the pulse of the market and delivering robust responses to changing needs and a fast evolving environment! Merging flexibility, simplicity and sustainability is at the core of the way we do business!
Victory of all is better than victory of some. We believe in the power of collaboration for everything- our design, our decisions and our execution! The ‘organization wins’ is the spirit!
Delivery backing every word promised with action!
Shift from a ‘values based culture’ to ‘passionate about values’ to go that extra mile and some more…
Striving for excellence to go above and beyond a ‘good bank’ to a ‘great bank’!

The Bank Story

Incorporation of the Bank
The Bank was registered as a NBFC-ND with the RBI under the name of ‘Disha Microfin Private Limited’
The Bank, then known as Disha Microfin Private Limited, was registered with the RBI as NBFC-MFI
The Bank, then known as Disha Microfin Private Limited received RBI in-principle approval to convert into a small finance bank
The name of ‘Disha Microfin Private Limited’ was changed to ‘Disha Microfin Limited’, upon conversion into a public company
The Bank received RBI license to carry on the business of a small finance bank. The name of the Bank was changed to ‘Fincare Small Finance Bank Limited’
Crossed 1.06 million active customer’s base
Crossed 1.7 million active customer base
Fincare Way
Fincare Way
Customer-centric approach driven by digital banking and automation
Strong commitment to financial inclusion with extensive rural franchise and expanding urban presence
Multi-channel, low-cost distribution network with diversified geographic presence
Fast-growing stable deposit base with a growing CASA franchise
Stable and experienced professional leadership team with strong corporate governance
Robust risk management policies, leading to healthy asset quality
Strong track record of financial and operational performance