Two names sign today. Ten built the record.

Every directorship listed here is as recorded against CIN U51109WB1996PTC080809 with the Ministry of Corporate Affairs.

01Current directorsAs per MCA records

Manish Agarwal

DesignationDirectorDIN00485089Appointed26 October 2009

Kuntal Chatterjee

DesignationDirectorDIN06893439Appointed04 March 2023

02Past directors1996 – 2023

Ratan Lal AgarwalDirectorDIN 00993358 · ceased 06 Jan 2023

John MayneDirector, later Managing DirectorDIN 01756499 · ceased 01 Jun 2016

A. R. Muralidharan RadhakrishnanAdditional Director, later DirectorDIN 00337753 · ceased 01 Jun 2014

Bijay Krishna DattaAdditional Director, later DirectorDIN 00451068 · ceased 18 Mar 2013

Pawan Kumar GinoriyaDirectorDIN 00527365 · ceased 05 Jul 2010

Kishan Swaroop GoyalDirectorDIN 00523753 · ceased 18 May 2010

Rakesh BannerjiAdditional DirectorDIN 02053410 · ceased 23 Oct 2009

Suvojit Datta RoyAdditional DirectorDIN 02342055 · ceased 23 Oct 2009

03Source of record

Directorship data as recorded with the Ministry of Corporate Affairs. Designations and dates reflect the company's statutory filings.

§Governance & Compliance

Regulatory framework

Operates under the RBI (Regulatory Framework for Microfinance Loans) Directions, 2022. CIN U51109WB1996PTC080809 · ROC Kolkata.

Responsible-lending guardrails

Repayments capped at 50% of household income · total indebtedness ≤ ₹2 lakh · maximum 3 lenders per borrower.

Fair practices

Key Fact Statement before every sanction · only three permitted charges · no prepayment penalty, ever.

Credit bureau reporting

Loans reported to all RBI-approved Credit Information Companies, with assessed household income.