EMPOWERING LIVES
THROUGH FINANCIAL INCLUSION
We are a Non-Banking Finance Company (NBFC) registered under Reserve Bank of India committed to supporting women, entrepreneurs, and small businesses in rural and semi-urban India.
At NavvBharat, we believe a New India begins when every individual has access to finance and opportunity.
WHO WE ARE
Our journey began in 1999, when Mr. Birendra Kumar Jain, a visionary with deep experience in the financial sector, founded Perfect Commerce Private Limited Company with a focus on large-ticket lending. Over the years, his commitment to ethical finance and trust-based relationships laid a strong foundation for the organization.
In October 2019, a new idea was born — a seed thought to move beyond big-ticket lending and extend financial support to those often overlooked by traditional institutions and make a real difference at the grassroots level.. After extensive research, planning, and structural development, this idea took a concrete form.
In September 2023, under the leadership of his sons — Arihant Jain and Anurag Jain, two Chartered Accountants with over a decade of professional experience — the company launched its first Micro Lending Branch, marking a new chapter in its legacy.
It was soon after that our brand “NavvBharat” was born — symbolizing a “New India” rooted in financial inclusion, opportunity, and empowerment.
Today, as an RBI registered NBFC, NavvBharat is committed to transforming lives by making finance accessible, ethical, and growth-oriented for rural and semi-urban communities.
From large-ticket lending to microfinance — our journey reflects one vision: to use finance as a tool for empowerment, not just profit.
With financial expertise, professional integrity, and a passion for social change, we aim to bridge the gap between aspiration and opportunity.
OUR VISION
To create a financially inclusive society where every household has access to opportunities, dignity, and growth
OUR MISSION
To provide ethical, transparent, and sustainable micro-finance solutions that empower women and small entrepreneurs.
FINANCIAL SOLUTIONS
MICRO-LOANS
NavvBharat’s flagship product caters to economically active women who are residing in low-income areas and are generally involved in trade and services, continues to hold a dominant share in the organisation’s portfolio. For loans, NavvBharat predominantly provides loans to groups consisting of four to seven women, and the group’s loans are disbursed using the joint Liability Group (JLG) model. The loan amounts range from INR 10,000 to INR 50,000 and have a term of 12 to 24 months.
ENTREPRENEURIAL SUPPORT
Aiming to start Financial Literacy Support in form of Training and workshops to help borrowers manage money wisely.
Our Presence
Headquartered in West Bengal, we currently serve 3 areas across the state and aim to expand to nearby regions including Bihar, Jharkhand, and Assam in the coming years.
