Satya S.

Vivriti Capital is a fintech NBFC that aims to bring necessary debt finance to hundreds of mid-market enterprises across India. Pioneers in deepening the under-penetrated market and building appetite toward mid-market enterprises, Vivriti manages a portfolio of INR 8800+ Cr across 300+ enterprises and 45+ sectors. In the last six years, Vivriti has built significant expertise and a robust business model through specialized technology, curated products, multi-level underwriting, superior portfolio management and highly effective distribution. With a highly varied product suite, Vivriti enjoys 90%+ client retention and has delivered these unparalleled numbers in the most challenging macro environment that India has seen.

Vivriti Capital is a fintech NBFC that aims to bring necessary debt finance to hundreds of mid-market enterprises across India. Pioneers in deepening the under-penetrated market and building appetite toward mid-market enterprises, Vivriti manages a portfolio of INR 8800+ Cr across 300+ enterprises and 45+ sectors. In the last six years, Vivriti has built significant expertise and a robust business model through specialized technology, curated products, multi-level underwriting, superior portfolio management and highly effective distribution. With a highly varied product suite, Vivriti enjoys 90%+ client retention and has delivered these unparalleled numbers in the most challenging macro environment that India has seen.

Northern Arc Investments is an Indian private credit fund manager with a strong focus on impact investing. We are a wholly owned subsidiary of Northern Arc Capital. Having raised ~INR 60 bn+ in investor commitments till date , we bring to the table a decade of experience and a proven fund management track record. Join us on this journey of financial excellence and responsible investing.

Northern Arc Capital Limited (NACL) is a diversified financial services platform focused on expanding the flow of credit to individuals and businesses across India. The Company operates a differentiated credit model that combines Direct-to-Customer (D2C) lending with a Credit Solutions for Origination Partners. Under its D2C lending business, NACL lends directly from its balance sheet to end customers across the MSME, consumer, & rural segments through a nationwide network of 372 branches & 55 digital partnerships. Complementing this, the Credit Solutions business enables 357 Origination Partners to access capital through Northern Arc’s fund management platform, placements from external investors, & the Company’s own balance sheet. Together, this integrated approach has facilitated financing of approximately INR 2.4 trillion to date, impacting over 130 million lives. As a platform, NACL manages assets aggregating INR 18,328 crore, comprising a lending balance sheet of INR 15,121 crore & assets under management of INR 3,207 crore within its fund business. In addition, the Company has facilitated credit placements of INR 1,23,365 crore to external investors. The platform is powered by technology, data-driven underwriting, & deep sectoral expertise, positioning Northern Arc as a distinctive and scalable credit solutions franchise within the financial services ecosystem. It is backed by leading global investors including LeapFrog Investments, Affirma Capital, Eight Roads, the International Finance Corporation (IFC) and SMBC, & is guided by an experienced & highly regarded Board of Directors. The Northern Arc group comprises NACL which is the holding & operating company; Northern Arc Investment Managers Limited, which houses the fund management business; Northern Arc Securities Limited, which operates the online bond platform; Pragati Finserv Limited, exclusive rural distribution arm; & Northern Arc Foundation, the Company’s CSR arm. * Data as of December 31, 2025.