Sarvagram, established in 2019, is a financial services company on a mission to democratize access to aspiring rural middle class households and small businesses, with the aim of improving their incomes and overall quality of life.
The company offers credit through its NBFC subsidiary, and has a unique, household-centric approach to approach to lending, understanding the multiple streams of income that a rural household has and the indebtedness of a household providing them superior underwriting capabilities. Sarvagram has also forayed into the farm mechanisation business by leasing agricultural implements to farmers through its robust agent network.
Sarvagram was founded by Utpal Isser, and Sameer Mishra, who are veterans in rural banking, each with 20+ years of experience in the industry. Headquartered in Mumbai, the company today operates in the states of Maharashtra, Gujarat, Rajasthan, and Karnataka. Other investors backing the business include Elevar Equity, Elevation Capital, and Temasek.