Dhansrathi is the trade name of Finmen Advisors Private Limited, a Non-Banking Financial Company (NBFC), providing responsible, transparent, and affordable financial solutions to individuals, small businesses, and MSMEs.
2025
Established in 2025
20+ Years
combined experience of experts in the finance industry
4
Dedicated Products
By the Numbers
A quick, honest snapshot of the market DhanSarthi operates in:
- ₹26–27 lakh crore : Projected size of India’s education market by 2030
- 131% : Growth in combined bank + NBFC education loan books, FY20–FY25
- 58 crore : Indians aged 5–24 who will drive future demand
- ~5% : Current formal credit penetration in India, versus ~15% globally
Products
MSME Loans
We would be giving loans to MSME entrepreneurs with average ticket size of 15 lacs for their business. Average age would be 30-45 years.
Skill Development Loans
We would be extending loans to students/professionals for upgrading their skills (i.e. foreign language, etc). Average age would be 25 to 40 years
Insurance Premium Financing
We would finance the mediclaim premium of an individual. Instead of paying the whole amount together, we will give pay the insurance company on the clients behalf and split the same in EMI structure. This we are open for all age categories
Hospital Bill Financing
We would finance people who would not be having cashless facilities. Where the individual has to pay first, get discharge and then is reimbursed by the insurance company. Average age group 20 to 50 years. Can go above 50 also in some cases
Responsible Lending. Real Impact
FinMen Advisors Private Limited is a Mumbai-based Non-Banking Financial Company (NBFC). Incorporated in 2013 as a private limited entity, the Company’s registered office is located in Mumbai, Maharashtra. FinMen received its NBFC (Investment and Credit Company) license on June 23, 2025.
FinMen Advisors Private Limited
(CIN: U64920MH2013PTC243905)
FinMen Advisors, 522, The Omkar Summit, Near Western Express Metro Station, Andheri Kurla road, Andheri (East), Mumbai- 400093
Dhansrathi is the trade name of Finmen Advisors Private Limited, a Non-Banking Financial Company (NBFC), providing responsible, transparent, and affordable financial solutions to individuals, small businesses, and MSMEs.
Why Dhansarthi?
Digital-first, human-backed: technology-led underwriting with a personal touch at
every step
Underserved-segment focus: purpose-built products for MSMEs, skill-seekers, and
patients often overlooked by traditional lenders
Transparent pricing: no hidden charges, clear EMI structures
Compliance-first: built ground-up on SEBI/RBI-aligned governance and risk
framework
The Opportunity We’re Solving
India’s education and MSME financing markets remain deeply under-penetrated compared to global norms — a gap that’s closing fast as digital-first NBFCs step in. DhanSarthi is built to serve exactly this moment: Tier-2/3 cities, skilling learners, and small businesses that need credit to move as fast as their ambitions.
How It Works (4 steps)
- Apply Online : Share your profile, purpose, and co-applicant details digitally.
- Upload Documents : KYC, income proof, and course/business details.
- Verification : Eligibility and repayment capacity assessed quickly.
- Sanction & Disbursal : Sign digitally, get funded, with zero friction.
DhanSarthi vs. the Old Way
| Banks & Traditional NBFCs | DhanSarthi | |
|---|---|---|
| Underwriting basis | Collateral-heavy | Employability / cash-flow based |
| Process | Largely offline, paperwork-driven | Digital application & e-sign |
| Turnaround | Days to weeks | Built for same-cycle decisions |
| Focus | Broad, generic retail credit | Purpose-built products for specific life moments |
| Co-applicant flexibility | Often rigid | Flexible, case-by-case |
Who We Work With
DhanSarthi partners directly with:
- Skilling & vocational institutes looking to remove fee-payment friction for students
- K-12 schools and coaching institutes offering fee financing to parents
- Corporates and MSME clusters for employee or vendor-linked credit lines
- Hospitals and healthcare networks for patient bill-financing tie-ups
Frequently Asked
- Is DhanSarthi RBI registered? Yes, DhanSarthi operates under FinMen Advisors Pvt Ltd’s NBFC license granted by the RBI on June 23, 2025.
- How fast can I get my loan approved? Most eligible applications receive a decision digitally, once documents and verification are complete, see individual product pages for indicative timelines.
- What if I have a complaint? Every customer has access to a clear, RBI-aligned grievance redressal process, see our Grievance Redressal page.