Transforming Potential into Possibility

As a diversified financial services leader, we have been powering the credit aspirations of Indian households and businesses for 15 years. Our innovative approach has redefined retail credit across six key sectors, building a distinctive position in India's financial ecosystem.

Since pioneering financial inclusion solutions in 2009, we have catalyzed over ₹1.73 trillion in financing, directly and through our partners, transforming the lives of 101.82 million Indians as of March 2024.

The foundation of our success lies in our proprietary credit architecture - sophisticated underwriting processes and intelligent risk models that have consistently delivered robust asset quality and superior risk-adjusted returns. This financial resilience has stood the test of time, proving effective through varying business cycles and macroeconomic conditions.

Delivering debt solutions through multiple access points

Through our proprietary digital platform, we deliver seamless financing solutions via three core channels - Lending, Capital Markets Solutions, and Fund Management - expanding credit access to India's underserved communities within our target sectors.

Our Services

Person analyzing financial data

Lending

Registered with RBI as an ND-SI NBFC, we operate under the central bank's regulatory framework.

Capital Markets Solutions

Through our proprietary Nimbus platform, we bridge India's underserved sectors with our extensive network of Investor Partners seeking impactful investment opportunities.

Investments

LUCKY-HOLDINGS Investment Managers (NAIM) - our dedicated fund management arm - specializes in managing debt funds with targeted exposure to select Originator Partners and mid-market corporates, aligned with specific fund objectives.

Lending

  Institutional Retail Lending – Leveraging 9 years of partnerships with 300 originators to deliver credit solutions including loans, guarantees, and debt instruments that fuel sustainable development.
  Direct-to-Customer Lending – Combining digital efficiency with physical reach (300 branches + 60 partners), our "phygital" platform Pragati has facilitated 16.91 million loans to MSMEs, consumer borrowers, and rural markets as of March 2023.

Capital Markets Solutions

We deliver comprehensive financing solutions tailored for Originator Partners, including:
  Structured & Syndicated Financing through diverse debt instruments (securitization, direct assignments, bond syndication)
  Credit-Enhanced Facilities with co-investment capabilities to achieve optimal credit ratings
  Portfolio Financing Solutions designed to meet specific risk-return objectives
Our unique value proposition combines credit enhancement with institutional co-investment – providing Investor Partners with unparalleled comfort while differentiating us in the facilitation market.

Investments

LUCKY-HOLDINGS Investment Managers (NAIM) has strategically diversified its offerings, obtaining SEBI PMS registration in 2021 and introducing its inaugural PMS fund in FY2023. The platform now oversees ₹37+ billion across 13 investment vehicles (10 AIFs + 3 PMS funds), achieving successful exits by March 2024. In parallel, our Altifi digital platform has transformed debt market participation for 30,518+ investors - including HNIs, retail participants and corporates - enabling ₹4.16+ billion in bond and gold bond investments across secondary, public and primary markets as of March 2024.

Strategic Verticalses

LUCKY-HOLDINGS Investment Managers LUCKY-HOLDINGS Foundation