About Us

The journey of Fincare Small Finance Bank was the process of coming together of 2 NBFC Micro Finance Institutions, Future Financial Servicess and Disha Microfin. Disha Microfin 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, our 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’!

Our Story

Future Financial Services launches as an NBFC-MFI offering microloans to women in AP
Disha Microfin, an NBFC-MFI, starts offering microloans to women in Gujarat
True North Advisors (formerly India Value Fund Advisors) invests in both NBFC-MFIs
Business expands across South & West India; launches Loan Against Property for businesses
Disha Microfin and Future Financial unite under the brand ‘Fincare’
Disha Microfin receives in-principle approval from RBI to convert to ‘Fincare Small Finance Bank’
Fincare builds products, processes and technology to launch bank
Fincare Small Finance Bank receives final license from RBI to start banking operations
Stabilization of Banking Processes, People and Technology, expansion of branch footprint, launch of new products - salary accounts, NRI deposits, Insurance, two wheeler-loans.
Crosses Rs.3500 Cr of GLP and Rs.2000 Cr of Deposits in 2019. Customer Base crosses 15 Lakh. RBI grants Scheduled Commercial Bank Status.
Active customer base crosses 25 Lakh.
Fincare Way
Fincare Way
Passionate about values
We will go the extra mile to ensure that we build an organization which is Fair, Innovative, Accountable et al.
Rurban Approach
We recognize and understand both Bharat and India, as not two geographies but as ways of life, and we will focus on bridging the gap between the two.
Think Customer Delight
We deliver more than what our customer expects and ensure that he/she cherishes the banking relationship.
Win Win Partnerships
We believe in win-win partnerships with our customers, our employees, our vendors and our associates.
Compliance in Letter & Spirit
We keep ourselves abreast of the rules and guidelines and understand the intent of guidelines and circulars to enable us to operate not just in letter but also in spirit.
Deliver Predictable Results
We are committed to delivering Predictable Results which build trust among investors, customers and other stakeholders.
Imagine the Future
We plan and invest for the future, build our arsenal of quality people, get intuitive of our customer needs, and most importantly keep a close eye on the trend lines of the world.
Technology Led Processes
We embrace technology as a tool to run our processes consistently and in a robust way.