• SAIJA Vikas gets registered as a society
  • First loan product SAIJA Karobar Rin launched
  • SAIJA disburses its first loan to SKR clients


  • SAIJA Finance Private Limited formed as a Non Banking Finance Company (NBFC) in April
  • Loan portfolio of SAIJA Vikas transferred to SAIJA Finance Pvt Ltd
  • Technical assistance agreement with Accion International
  • Second loan product SAIJA Mahila Rin launched


  • Equity Investment from Accion
  • Branch and Head Office separated with two branches in Patna District
  • Expansion outside Patna district


  • Installation of state-of-the-art MIS software OMNI Enterprise.
  • Three new branches opened


  • Partnership with IFMR trust
  • Launch of Cashless transaction in partnership with EKO


  • Equity infusion from Accion and Pragati
  • Rated A for Code of conduct Assessment by Access Assist sponsored by SIDBI


  • SAIJA is identified by SIDBI for support under their DFID sponsored PSIG (Poor State Inclusive Growth) Programme
  • SIDBI invests INR 300 lakhs in the form of Optionally Convertible Preference Shares (OCPS)
  • SAIJA entrusts  Tower Watson for restructuring compensation and performance management system
  • Agreement with IFC for providing technical assistance


  • 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


  • SAIJA expands into Uttar Pradesh
  • Awarded with Skoch Order of Merit Award-2015 for its exemplary work done in the field of Financial Inclusion and OMNI enterprise implementation


  •  ICRA has rated high ( SP2 +) in Social Performance Assessment
  • Successful implementation of solar energy program with TA support from USAID


  •  Implementation of Progress out of poverty Index (PPI).
  • SAIJA expands their operation in Haryana.
  • SAIJA has been rated BBB (-) by ICRA.
  • Technical Assistance by Blue Orchard for capacity building.
  • Fresh equity fusion of by ACCION & Pragati.
  • Repayment collection punching through Tab technology started in Jharkhand


  • SAIJA expanded its operation in Punjab
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