About Us

About Fincare:


The genesis of Fincare Small Finance Bank was the coming together of 2 NBFC Micro Finance Institutions, Future Financial Servicess and Disha Microfin. In May 2017, Disha Microfin received the final license from the RBI under section 22 of the Banking Regulation Act, 1949, to launch Banking operations. The Bank commenced banking operations on 21st July 2017, with a vision to enable the financial inclusion of the unbanked and underbanked customer segments, including microentrepreneurs and microenterprises and mass 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, our Bank became 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 comprising deposit, credit, wealth and protection solutions. The suite includes Saving Account, Current Account, Fixed Deposit, NRI Deposit, Recurring Deposit, 3-in-1 account, Micro Loan, Cash Overdraft, Loan against Gold, Loan against property, Institutional Finance and Two-wheeler Loan and a range of life, health and general insurance products.


The Digital Outlook


Since inception, digital has been the operating paradigm, a force multiplier that enables us to aspire to become the best-in-class in the banking landscape in India. We recognize digital as the currency that is radically changing India’s future and in particular banking.  With a 3D approach viz. Digital, Doorstep and delightful Deposit rates, we are confident of becoming a force to reckon and a ‘Smart Bank of choice’ for our target segments.


Vision: To facilitate financial inclusion of the unbanked and underbanked households in India with active participation of the more affluent customer segments.


Mission: To build a best-in-class digital bank delivering value to all stakeholders.


As of 31st March 2022, the Bank served 32+ Lakh customers in 17 States/UT with a workforce of 11,000+.


The Fincare Way, its guiding principles, are the key drivers of business excellence and include, Rurban approach, Think customer delight, Passionate about values, Win-Win partnerships, Compliance in letter and spirit, Deliver predictable results, Imagine the future & Technology led processes.

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 Small Finance Bank included in the Second Schedule of the Reserve Bank of India Act, 1934. Won Economic Times BFSI Innovation Tribe Award for Best Digital Solutions.
Development of technology framework for all the front end and backend processes. Introduced Community banking. Certified as Great Place to Work.
32 Lakhs + customers. Video Banking Services launched. Footprint in new states. 919 Banking outlets. Won Celent Award for Audit process management.
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