Welcome to Saija

Founded in the year 2007 by Shashi Ranjan Sinha and Rashmi Sinha, Saija Finance Private Limited, is the first Bihar focused NBFC- MFI (Non-Banking Finance Company -Micro Finance Institute). The company has its Headquarters in New Delhi. The company has successfully completed more than 10 years of its operations in Bihar and it is growing exponentially in other states.

Stepping in its 14 years of successful operation, 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.

What's New


  • Saija Initiated Digital Collection through Static QR code, resulting 60% digital collection in PAN Saija
  • Saija Started BC Operations in UP in collaboration with Dvara KGFS
  • Saija has been certified as Great Place to Work
  • Saija started BC Operations in Bihar & Jharkhand in collaboration with Dvara KGFS
  • Saija Finance has made its collections cashless by collaborating with Airtel payment Bank, Fing pay, Fino payment Bank, Pay U
  • Cashless services in operation at each and every Branch of Saija
  • Saija creates history by becomes the 1st finance company in 100 years to have completd more than 10 successful years of operations in Bihar.
  • Saija Finance is the 1st Multistate MFI to have over 50% of its portfolio in Bihar.
  • Saija celebrates its 10th anniversary “Garima”with 6000 of its select clients in Bihar.
  • Saija Entrepreneurship Development Program for its Super 30 women entrepreneur clients in Bihar.
  • Saija Creates a world record in the production of Foxnut pudding (makhana kheer) to promote the huge export potential of Foxnut.
  • The launch of mobile-based of front-end technology
  • Saija has been rated high by M-Cril in Third Party Evaluation for customer service index
  • SAIJA enters in Punjab
  • Saija receivesd Green certification for its Solar initiatives
  • Saija enters Haryana.
  • SAIJA has been rated BBB (-) by ICRA.
  • Technical Assistance by Blue Orchard for capacity building.
  • Fresh equity fusion of by ACCION & Pragati.
  • ICRA has rated high (SP2 +) in Social Performance Assessment
  • Successful implementation of solar energy program with TA support from USAID
  • Saija Finance qualified for Skoch Order of Merit’2015
  • Saija Finance enters in Uttar Pradesh
  • Saija Finance enters into Jharkhand
  • 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.
  • Agreement with IFC for providing technical assistance
  • SIDBI invests Rs 300 lacs in the form of optionally convertible preference share /li>
  • Additional equity Infusion from Accion and Pragati India Fund
  • Partnership with IFMR trust
  • Launch of Cashless transaction in partnership with EKO
  • Installation of state-of-the-art loan and financial accounting package OMNI enterprise
  • Equity Investment from Accion
  • Expansion outside Patna district
  • Saija Finance Pvt Ltd formed as an NBFC
  • Technical assistance agreement with Accion
  • Saija Vikas gets registered as a society
  • First Loan “Saija karobar Rin “Launched

Our presence

1.11 lacs

0 No of Employees

0 No of Branch

240.29 cr

0 States

0 Districts