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Welcome to Saija

saija-aboutSaija Finance Private Limited is the only NBFC-MFI (Non Banking Finance Company – Micro Finance Institution) to be based in the state of Bihar, with its head quarter in Patna, the state capital.
Saija was formed with a focus on providing microfinance services to urban and rural poor, as well as micro and small businessmen, in the underserved geographies of Northern & Eastern India, starting with Bihar. The geographic regions served by Saija are amongst the poorest in India and also are grossly underserved by formal financial institutions. Saija today serves 152,062 clients across 25 districts of Bihar,Jharkhand & Uttar Pradesh, operating with 45 branches.Saija was conceptualised and founded by Mr. Shashi Ranjan Sinha and Ms. Rashmi Sinha in April 2007.

What’s New

Saija becomes the first microfinance company in India to provide Mudra debit cards to its clients

Saija grabs the prestigious " SKOCH Order of Merit-2015" award

Saija Finance to raise Rs 400 cr via ECB

  • Saija is one of the three state companies in Bihar’s Innovation Forum list of 67 finalists identified for high impact innovation
  • Recognized by CRISIL as one of the emerging MFIs in the recently published report – “India’s 25 Leading MFIs”
  • Saija is graded MF2 by ICRA which implies high sustainability of operations
  • Saija expands into Jharkhand
Business Snapshot Jan’16


  • 152,062 Clients
  • 185.18 crore Portfolio
  • 45 Branches
  • 3 States
  • 25 Districs
  • 522 Employees