SME Finance

Centrum Financial Services Ltd. (CFSL), a registered Non-Bank Finance Company, seeks to assist SMEs, mid-sized companies and their founders to scale their businesses, through loan products in a variety of forms, structures and collaterals. We target entities in metros and Tier II cities, that are either in a stage of building up or diversifying, and are generally not addressed sufficiently by the mainstream banking system. Our key value propositions are flexibility, responsiveness and guidance while providing the right financing product for the business need.

Leadership

  • Ranjan Ghosh

    MD & CEO - NBFC

  • Chirag Doshi

    Head Commercial Finance - South & West India

  • Sayantan Chakraborty

    Head Commercial Finance - North India

  • Subir Chakraborty

    Head Commercial Finance - East India

  • Inderjit Camotra

    Business Head - Trade & Supply Chain

  • Sandeep Agarwal

    Head Real Estate Finance

  • Bharat Adnani

    Chief Financial Officer

  • Saurabh Srivastava

    Head Risk

  • Dipali Dalal

    Head - Legal

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Real Estate Finance
  • The Real Estate Team is headed by Mr. Sandeep Agarwal who brings on board more than 15 years of experience in the real estate industry.

    The team with their specialised knowledge in the real estate lending business focuses on investing in projects being developed across India. The key area of focus is providing construction finance to mid-income and affordable housing projects being developed in Tier 1 and 2 cities like Mumbai, Delhi NCR, Bangalore, Hyderabad, Pune, Chennai, Kolkata and Ahmedabad. The investment is proposed through Term Loans, Working Capital Loans or Non-Convertible Debentures. Centrum real estate typically prefers to invest in cash-flow generating ongoing projects, which are RERA registered and have all approvals in place.

 

    • Whistle Blower Policy/Vigil Mechanism Policy

      Whistle Blower Policy/Vigil Mechanism Policy

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    • FAIR PRACTICES CODE

      Fair Practices Code-English

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    • FAIR PRACTICES CODE

      Fair Practices Code - Hindi

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    • Customer Grievance Redressal Procedure

      Customer Grievance Redressal Procedure - English

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    • Customer Grievance Redressal Procedure

      Customer Grievance Redressal Procedure - Hindi

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    • Grievance Redressal - Escalation matrix

      Grievance Redressal - Escalation matrix - English

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    • GRIEVANCE REDRESSAL - ESCALATION MATRIX

      Grievance Redressal - Escalation matrix - Hindi

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    • Details of Grievance redressal officer

      Details of Grievance redressal officer - English

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    • DETAILS OF GRIEVANCE REDRESSAL OFFICER

      Details of Grievance redressal officer - Hindi

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    • Schedule of charges

      Information on interest rates, common fees, charges and penalty

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    • MITC

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    • Code of Conduct for field staff

      English

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    • KYC forms - individuals

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    • Internal Guidelines on Corporate Governance

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    • Policy for Determining Interest Rates, Processing and other Charges

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