Credifin is a leading provider of financial solutions empowering individuals and businesses across 14 states with trust, innovation and a deep commitment to progress.
We endeavour to transform finance through the integration of cutting-edge technology, innovative practices and creating a sustainable and inclusive system that evolves with our customer's needs.
We ensure excellence, transparency, and customer satisfaction to uplift underprivileged communities and enable financial success — committed to fostering employee satisfaction and growth through opportunity and a supportive environment.
At Credifin we are transforming finance and building an inclusive and sustainable financial system. With a focus on technology, innovation and customer-centricity, we aim to pioneer change, uplift communities and foster excellence.
Founded in 1992, Credifin Limited (formerly PHF Leasing Limited) is a category “B” Non-Banking Financial Company listed on the Metropolitan Stock Exchange of India, headquartered in Jalandhar, Punjab. As of March 2026 the company's assets under management exceed ₹423.51 crores — remarkable growth from ₹10.28 crores on March 31, 2020. Credifin holds a BBB– rating from CRISIL and has successfully reduced its non-performing assets to enhance financial stability.
Operating across 14 states and union territories, Credifin has a presence in over 200 locations and employs more than 650 people, primarily serving borrowers in rural and semi-urban areas of Punjab, Delhi NCR, Himachal Pradesh, Rajasthan, Haryana, Uttar Pradesh, Madhya Pradesh, Uttarakhand, Bihar, Gujarat and Jammu.
The product portfolio has diversified into mortgage loans against immovable property (LAP) and financing for electric vehicles — e-rickshaws, e-loaders and electric two-wheelers — aligning with the growing demand for sustainable transportation and the company's commitment to innovation.
Introducing Credifin — 2 minCredifin is dedicated to promoting financial inclusion by providing viable financial solutions to lower-income segments. The company actively supports women's empowerment by mandating female co-borrowers for all financing products, particularly in MSME loans aimed at women entrepreneurs. This focus on social responsibility, combined with strategic growth initiatives, positions Credifin as a key player in the financial services sector.
Beyond its core offerings, Credifin is exploring partnerships and collaborations to further enhance its reach and impact — a forward-thinking approach that keeps the company adapting to the evolving financial landscape and the diverse needs of its customers.
Begins lending as PHF Leasing Limited — an RBI-registered category “B” NBFC.
The base camp. A focused rebuild of the book and the team starts here.
E-rickshaws, e-loaders and electric two-wheelers become the growth engine.
CRISIL BBB–/Stable rated, listed on the Metropolitan Stock Exchange.
Kumar Shalya GuptaMD & CEO · CredifinI hope this message finds you in great health and high spirits. It is with immense joy that I share a significant milestone in our journey together. Over the past two years, your steadfast support has been a key driver in Credifin's growth, and I am truly grateful for the trust you have placed in us.
As the MD & CEO of Credifin, I am excited to announce a transformation that will further enhance your confidence in our company. We have not only crossed the remarkable milestone of ₹423.51 Crores in assets but have also reaffirmed our financial stability with the prestigious BBB- Stable credit rating from CRISIL. This rating is a testament to the strength and resilience of our business.
We fully recognize that none of this would have been possible without your invaluable partnership. Your belief in our vision and ongoing support has been a crucial factor in helping us reach new heights and setting even more ambitious goals for the future.
Loans built for real incomes, across 14 states. Since 1992.
I hope this message finds you in great health and high spirits. It is with immense joy that I share a significant milestone in our journey together. Over the past two years, your steadfast support has been a key driver in Credifin's growth, and I am truly grateful for the trust you have placed in us.
As the MD & CEO of Credifin, I am excited to announce a transformation that will further enhance your confidence in our company. We have not only crossed the remarkable milestone of ₹423.51 Crores in assets but have also reaffirmed our financial stability with the prestigious BBB– Stable credit rating from CRISIL. This rating is a testament to the strength and resilience of our business.
We fully recognize that none of this would have been possible without your invaluable partnership. Your belief in our vision and ongoing support has been a crucial factor in helping us reach new heights and setting even more ambitious goals for the future.
A simple "thank you" hardly seems sufficient to express our gratitude, but please know that we are deeply appreciative of the trust you've placed in Team Credifin. Our journey has been shaped by the dedication and guidance of our visionary mentors and the steadfast commitment of our Board, especially during the challenging times of the global pandemic and geopolitical uncertainties. Their leadership has been instrumental in reaching this remarkable achievement.
Your role in our success cannot be overstated. Your support has allowed us to seize new opportunities, expand our operations, and achieve remarkable growth in Assets Under Management (AUM). Thanks to your partnership, Credifin's presence now spans 139 locations across 11 states and Union Territories. As we celebrate this achievement, we remain fully committed to the values of transparency, integrity, and innovation that have always guided us. Our focus continues to be on delivering exceptional service to our clients and creating lasting value for all our stakeholders.
This accomplishment is not merely a rating; it is a reflection of our collective vision, dedication, and hard work. It is a recognition of the essential role you, our trusted lenders, have played in our growth and success. As we look to the future, I invite you to join us in embracing the exciting opportunities ahead, knowing that your continued support will be crucial in helping us achieve even greater milestones.
Looking ahead, we are excited about the opportunities that lie before us. We are confident that, with your continued support and our shared vision, we will scale even greater heights and achieve new milestones.
Thank you for being an integral part of this extraordinary journey. Your trust and support have been the driving force behind our progress, and we are excited to continue this journey together.
I look forward to your continued support and am eager to embark on the next phase of this exciting journey with you.
