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Empowering MSMEs
with responsible
credit.

Structured and affordable Loan solutions designed for MSME and Small Businesses — transparent, compliant, and built for growth.

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Why Borrowers Choose Us

Lending built on discipline,
delivered with speed.

01
Straight Through Process
A focused application journey designed to keep paperwork minimal and timelines predictable from day one.
02
Fast Documentation
Documents are reviewed and verified by experienced underwriters in days — not weeks.
03
Quick Disbursal
Disciplined credit evaluation paired with swift decisioning, so you know where you stand quickly.
04
Attractive Rate of Interest
Clear interest rates, charges, and repayment terms disclosed upfront — no surprises during or after disbursal.
How It Works

From application to
disbursal, four clear steps.

01
02
03
04
Submit Application
Share your basic details and loan requirement online or in person at our Jaipur office.
Document Verification
Our team verifies your KYC, income proof, and property documents — quickly and thoroughly.
Credit Sanction
Our underwriting team reviews your file and issues a sanction letter with all terms disclosed.
Loan Disbursal
Once formalities are complete, the loan amount is credited directly to your bank account.
Our Offering

Loan Against Property

LAP — Mortgage Loan

Unlock the value of your Residential , Commercial or Industrial property.

Designed for business expansion, working capital, or other professional financing needs — backed by property security and offered at fully transparent pricing with no hidden charges.

01
Property-Backed Security
Residential, commercial, or industrial property accepted as collateral.
02
Flexible EMI Tenures
Repayment structures designed around your cash flows.
03
Personalised Service
Direct relationship management — not a call centre.
Loan Specifications
Loan Amount Upto ₹50L
Tenure Up to 10 Years
Loan-to-Value Up to 60%
Security Residential, Commercial or Industrial Property
Repayment Monthly EMI
Eligible Use Business / Personal
EMI Calculator

Estimate your monthly instalment.

Adjust loan amount, interest rate, and tenure to estimate your EMI.

₹
₹1L₹50L₹1Cr
% p.a.
8%22%36%
months
1 Yr5 Yrs10 Yrs

Calculations are indicative. Final rates subject to credit assessment and applicable RBI guidelines.

Monthly EMI
₹29,084
Principal
Total Interest
Principal Amount ₹25,00,000
Total Interest ₹9,90,040
Total Payable ₹34,90,040
Get Started

Apply for Loan

Start your application today. Our team will get back to you.

About Us

Who We Are

A Reserve Bank of India registered NBFC committed to empowering MSMEs with accessible, transparent, and responsible credit.

Our Story

Committed to Financial Inclusion

Malindo Finance Private Limited is an RBI registered Non-Banking Financial Company (NBFC), built on a foundation of trust, transparency, and responsible credit. Since 2021, we have been delivering structured and affordable loan solutions to underserved MSMEs across rural and semi-urban markets.

We understand that access to timely, fair credit can be the difference between a business that survives and one that thrives. Our lending is shaped by a deep understanding of our borrowers' real needs — not just their financial statements.

Guided by strong governance and full regulatory compliance, Malindo Finance is committed to being a long-term financial partner for small businesses — enabling sustainable growth and meaningful economic impact, one borrower at a time.

Our Mission

→

To provide accessible, transparent, and customer-centric financial solutions to MSMEs and underserved segments.

→

To simplify access to credit and support sustainable business growth and financial inclusion.

→

To build long-term, trust-based relationships through service excellence and responsible lending.

→

To operate with strong governance and regulatory compliance in line with the Reserve Bank of India.

Our Vision

→

To be the leading provider of accessible and affordable financial solutions for MSMEs in India.

→

To drive financial inclusion by making credit accessible to all deserving MSMEs across geographies.

→

To be a trusted and preferred financial partner for MSMEs across India.

→

To become a leading force in the Indian NBFC sector known for customer-centricity and strong ethics.

Core Values

What We Stand For

Integrity & Ethics

Upholding the highest standards of honesty, openness, and governance in all business practices.

Customer-Centricity

Placing customers at the core of all decisions, delivering responsive, reliable, and tailored financial solutions.

Financial Inclusion

Committed to expanding access to credit for underserved and deserving MSMEs across geographies.

Excellence in Execution

Striving for operational efficiency, disciplined underwriting, and consistent service quality.

Accountability

Taking ownership of outcomes with a strong focus on responsibility, compliance, and risk management.

Sustainable Growth

Focusing on long-term value creation while contributing to economic and social development.

Leadership

Board of Directors

BS
Mr. Balram Saini
Managing Director
NS
Mr. Nitin Saini
Additional Director
SK
Mr. Sooraj Mal Kain
Director
AB
Mr. Anil Kumar Bansal
Director
Trusted Partners

Our Lenders

Banks and financial institutions that partner with Malindo Finance to support MSME credit across India.

AU Small Finance Bank
State Bank of India
HDFC Bank
Bhala Finance
Arka Finserve
AU Small Finance Bank
State Bank of India
HDFC Bank
Bhala Finance
Arka Finserve
Our Product

MSME Secured Loan

Loan Against Property — structured and affordable credit for MSMEs and self-employed individuals across India.

Product 01

MSME Secured Loan (Loan Against Property – LAP)

A core secured lending product designed to help MSMEs and self-employed individuals unlock the value of their residential or commercial property for business expansion, working capital, or personal needs.

ParameterDetails
Loan RangeUpto ₹50,00,000
TenureUp to 10 years (120 months)
Interest RateAttractive Rate of Interest
Security / CollateralResidential, Commercial or Industrial Property
Repayment ModeEMI-based (Equated Monthly Instalments)
Processing FeeAs applicable — disclosed at sanction stage
Target SegmentMSMEs & Small Businesses

Eligible Uses

  • Business expansion and working capital requirements
  • Plant and machinery purchase
  • Personal requirements of business owners
  • Debt consolidation (business)

Documents Required

  • Identity Proof (Aadhaar Card, PAN Card, Passport)
  • Address Proof (Utility Bill, Aadhaar, Passport)
  • Income Proof (ITR for last 2 years, Bank Statements for 12 months)
  • Business Proof (GST Certificate, Business Registration, Udyam Certificate)
  • Property Documents (Title Deed, Latest Tax Receipt)
  • Passport-size photographs
Leadership

Board of Directors

Experienced leadership committed to responsible lending, regulatory compliance, and MSME empowerment.

Board Members

Our Directors

BS

Mr. Balram Saini

Managing Director
A seasoned finance professional with over two decades of experience in the finance industry. With a proven track record in financial management, risk assessment, and regulatory compliance, Mr. Balram Saini is committed to driving the company's growth. He possesses a deep understanding of the NBFC landscape and has successfully navigated complex financial challenges, fostering a collaborative and innovative work environment.
NS

Mr. Nitin Saini

Additional Director (w.e.f. 18 Oct 2023)
A graduate from the University of Rajasthan, Jaipur (2021), bringing over five years of experience in finance and business management. Since joining the Company in 2021, he has demonstrated a strong commitment to enhancing operational efficiency by introducing and implementing innovative approaches, contributing to overall management and strategic initiatives.
SK

Mr. Sooraj Mal Kain

Director (w.e.f. September 2020)
A seasoned banking professional and former UCO Bank veteran with decades of experience. He brings deep expertise in credit management, banking operations, and financial compliance. He plays a key role in strengthening the Company's financial framework, providing strategic guidance on fund management, and ensuring robust financial controls and coordination with banking institutions.
AB

Mr. Anil Kumar Bansal

Director (w.e.f. September 2020)
Holds a Master's degree from the University of Rajasthan and brings strong managerial expertise to the Company. He oversees overall operations, ensures efficient day-to-day functioning, and facilitates coordination across departments. He contributes to strategic decision-making and long-term planning, playing a key role in strengthening operational stability and supporting the Company's growth initiatives.
Management Team

Key Management

BS
Mr. Balram Saini
Business Head & Managing Director
Responsible for overall strategic direction, business development, lending operations, risk management, and relationships with financial institutions and stakeholders.
SD
Ms. Swati Deora
Compliance & FP&A (CA)
Qualified Chartered Accountant responsible for compliance management, regulatory reporting, internal financial controls, financial planning, budgeting, and analysis.
BG
Ms. Bhavika Gupta
Credit Head
Responsible for credit appraisal, risk evaluation, and portfolio management, ensuring lending decisions align with the Company's risk management framework and prudent credit practices.
Legal & Policies

Policies & Codes

All policies are maintained in compliance with RBI Master Directions and applicable laws. Click any document to view it as a PDF.

Regulatory Disclosure: The Fair Practices Code, Privacy Policy, and Grievance Redressal Policy are mandatory disclosures under RBI Master Directions for NBFCs. RBI CoR No. B-10.00193 dated 04/08/2021  |  CIN: U74999RJ1992PTC022017  |  NBFC-ICC (Non-Deposit Taking) under Section 45-IA of the RBI Act, 1934.
Compliance
Fair Practice Code
Fair Practices Code — RBI Mandated
842 KB View PDF ↗
Compliance
KYC and AML Policy
Know Your Customer & Anti-Money Laundering Policy
1.6 MB View PDF ↗
Compliance
Privacy Policy
Customer Data Privacy Policy
556 KB View PDF ↗
Operations
Return of Property Documents
Procedure for Return of Original Property Documents
761 KB View PDF ↗
Legal
Terms and Conditions
Website Terms & Conditions
319 KB View PDF ↗
Policy Document
Open in New Tab
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RBI Mandated

Grievance Redressal

Malindo Finance Private Limited is committed to resolving every customer concern with transparency and urgency. Our structured four-level escalation framework ensures your grievance reaches the right authority and is resolved within RBI-mandated timelines.

4
Escalation
Levels
30
Days Max
Resolution
1
Customer
Support
First contact
2
Grievance
Officer
If unresolved at L1
3
Principal
Nodal Officer
If unresolved at L2
4
RBI
Ombudsman
External regulator
L1First Response

Customer
Support

Your first port of call. Reach us through any channel below — our front-line team listens carefully, logs your concern, and resolves the majority of queries right here.

Response within 10 working days
Get in touch Mon — Sat · 10 AM – 6 PM
Email
care@malindofinance.com
↗
Phone
+91 76656 76658
↗
Branch Visit
F-32, Alankar Plaza, Vidhyadhar Nagar, Jaipur, Rajasthan – 302039
Unresolved? Escalate to Level 02 ↓
Direct line Senior Officer · L2
Officer
Swati Deora
Email
gro@malindofinance.com
↗
Written Address
F-32, Alankar Plaza, Vidhyadhar Nagar, Jaipur, Rajasthan – 302039
L2Internal Escalation

Grievance
Redressal Officer

A dedicated officer takes ownership of your case. They review the file, coordinate with the relevant department, and respond to you in writing.

Resolution within 30 working days
Still unresolved? Escalate to Level 03 ↓
L3Senior Review

Principal
Nodal Officer

The most senior internal authority. Your case is independently re-examined, with direct visibility from company leadership.

Resolution within 30 working days
Senior escalation Principal Officer · L3
Officer
Swati Deora
Email
swati@malindofinance.com
↗
Phone
+91 97733 67400
↗
Still not resolved? Approach RBI Ombudsman ↓
External authority Reserve Bank of India
Online Portal
cms.rbi.org.in
↗
Toll-Free Helpline
14448
↗
Email
crpc@rbi.org.in
↗
Kindly exhaust all internal escalation levels (L1 – L3) before approaching the Ombudsman.
L4Final Escalation

RBI Integrated
Ombudsman

The independent regulator of last resort. If 30 days have passed without resolution — or you remain dissatisfied — you may approach the Reserve Bank of India directly.

Statutory authority · binding resolution
Frequently Asked Questions
How do I register a complaint with Malindo Finance?
You can register a complaint by emailing us at care@malindofinance.com, visiting our registered office at F-32, Alankar Plaza Complex, Vidhyadhar Nagar, Jaipur, Rajasthan – 302039, or by writing to the Grievance Nodal Officer at the same address. We will acknowledge your complaint within 3 working days.
What are the resolution timelines?
Level 1 (Customer Support): Response within 10 working days. Level 2 (Grievance Officer): Resolution within 30 working days. Level 3 (Principal Nodal Officer): Further review within 30 working days. These timelines are in compliance with RBI Master Directions for NBFCs.
When should I approach the RBI Ombudsman?
You may approach the RBI Integrated Ombudsman at cms.rbi.org.in if: (a) your complaint has not been resolved within 30 days of being lodged, or (b) you are not satisfied with the resolution provided at any internal level. You may also call the toll-free helpline 14448 or write to crpc@rbi.org.in.
Is there a specific format for submitting a complaint?
There is no mandatory format. However, your complaint should include: your full name, loan account number (if applicable), contact details, a clear description of the grievance, and any supporting documents. This helps us investigate and resolve your concern faster.
Regulatory Note: This Grievance Redressal framework is established in compliance with the RBI Master Direction — Non-Banking Financial Company — Systemically Important Non-Deposit taking Company and Deposit taking Company (Reserve Bank) Directions, 2016 and subsequent circulars. RBI CoR No. B-10.00193 dated 04/08/2021.
Get In Touch

Contact Us

We're based in Jaipur and ready to assist you with loan enquiries, documentation guidance, or grievances.

Office Information

📍
Registered Office
Shop No. F-32, Alankar Plaza Complex,
Vidhyadhar Nagar, Jaipur, Rajasthan – 302039
📞
Phone
+91 76656 76658
Mon – Sat  |  10:00 AM – 6:00 PM
📧
Email
contact@malindofinance.com
🌐
Website
www.malindofinance.com

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Join Our Team

Careers at Malindo Finance

We are always looking for driven, principled professionals who share our commitment to responsible lending and financial inclusion.

Application Form

Apply Now

Fill in the details below and attach your CV. Our HR team will reach out to shortlisted candidates.

📄
Click to browse or drag & drop your CV here
Accepted formats: PDF, DOC, DOCX  ·  Max 5 MB
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Grow With Us

Channel Partner Programme

Join Malindo Finance as a Direct Selling Agent, connector, or referral partner. Earn attractive payouts on every successful loan disbursement.

Partner Enquiry

Register as a Channel Partner

Share a few details below. Our partnerships team will review your profile and reach out within 2 working days.

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