Empowering Financial Dreams

PahalPe is a digital lending platform designed for India’s emerging workforce, including gig workers, delivery partners, blue-collar workers, and new-to-credit youth who are overlooked by traditional banks. Through AI-driven decisioning and fully digital processes, we deliver instant personal loans from ₹10,000 to ₹1,50,000 with transparent pricing and simple repayment. No endless paperwork, no weeks of waiting, just fast and affordable credit that empowers you to achieve your dreams.

About Us

Pahal is registered with the Reserve Bank of India as a Non-Banking Financial Services Company, specifically designated as NBFC – MFI dedicated to uplifting marginalized communities. Commencing operations in 2011, Pahal swiftly evolved into one of the fastest-growing MFIs.

Pahal has touched the lives of over a million low-income households by providing credit for income-generating activities, fostering economic self-sufficiency, and elevating their living standards. Our mission and vision revolve around delivering quality services, offering a diverse range of financial and non-financial products.

At present, Pahal has raised funds from more than 55 financial institutions including public/private banks, Non-Banking Financial Companies, DFIs and Foreign Investors. It is also enrolled as a partner institution with MUDRA – Micro Units Development and Refinance Agency Ltd.

Our Mission and Vision

Our Vision

We endeavour to provide sustainable services for financial inclusion in rural and urban households with proficiency, at an affordable price while maintaining dignity, honor and transparency to enhance the livelihood and quality of life of our customers.

Our Mission

To reach micro finance services to 2 million clients at competitive rates. To achieve internationally acceptable returns of investments to attract mainstream capital in the services of the segment at the bottom of the pyramid.

Our Values

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Customer Centric

We prioritize our customers' needs and aspirations in everything we do.

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Operational Excellence

We strive for the highest standards in all our operations and processes.

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People First

Our team members are our greatest asset and we invest in their growth.

Value Creation

Our core values guide us in building a sustainable and ethical future.

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Value Creation

We focus on creating sustainable value for all our stakeholders.

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Innovation

We continuously innovate to better serve our customers and communities.

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Diversity

We celebrate diversity and promote inclusive growth in all communities.

Our Founders

Meet our visionary founders, whose unwavering dedication and innovative spirit have been the driving force behind Pahal’s success story..

Mr. Kartik S Mehta

CO-FOUNDER AND MANAGING DIRECTOR

Mr. Kartik S. Mehta, a Chartered Accountant, Cost Accountant, and Certified Financial Planner, is a career banker with 30+ years of experience in banking and financial services. He has worked across corporate finance, treasury, retail banking, agriculture credit, priority sector, and microfinance, and has contributed to pioneering work in the banking correspondent space, with extensive exposure in India, Brazil, and South Africa.

Ms. Purvi Bhavsar

CO-FOUNDER AND MANAGING DIRECTOR

Ms. Purvi Bhavsar, a first-generation entrepreneur from Ahmedabad, brings 29+ years of diverse experience across BFSI and Telecom with organizations like Kotak Mahindra, HDFC Bank, ICICI Bank, and Vodafone. She has been recognized among the Top 10 Women in Finance (2020) and Leading Women in Telecom (2010-11), and actively mentors fintech and impact start-ups through programs by IIMB and Stanford.

Our Team

Meet our talented team members whose expertise and passion drive our organization forward.

Sneha Bohra

Head- Digital

Bhaumik Rana

Manager – Digital

Aditya Adhav

Management Trainee- Digital

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