BS Kendra brings fair, transparent credit to rural entrepreneurs, women-led businesses and small farmers across India — no collateral, no hidden charges, just a hand up.
Founded in 2011 in a single room in Hubballi, Karnataka, BS Kendra ("Kendra" — meaning centre or hub) now stands as a trusted credit partner for over 6 lakh low-income households, delivering doorstep-based group and individual lending with a human touch.
Our Full StoryDeliver responsible, low-cost credit to the financially excluded.
A India where geography or income never limits opportunity.
Transparency, dignity, and community-first lending.
4,200+ field officers working in 19 states.
From application to money in hand.
Group-guarantee model, no asset pledge.
Reducing-balance interest, no fine print.
Repayments and support at your village.
Over 60% of our borrowers accessed a formal financial product for the first time through BS Kendra. Each loan is paired with financial literacy training, a savings nudge, and micro-insurance cover.
Still have questions? Visit our full FAQ page with 30 answered questions covering loans, KYC, repayment and more.
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BS Kendra Microfinance Pvt. Ltd. is an RBI-registered NBFC-MFI headquartered in Bengaluru, serving underserved households across 19 states through a joint-liability group lending model.
To provide affordable, responsible financial services that enable low-income households to build sustainable livelihoods and break the cycle of poverty.
An India where every household — regardless of geography, gender or income — has access to fair, dignified credit and the tools to prosper.
From one branch in Hubballi in 2011 to 612 branches today, our journey has been powered by borrower trust and repeat lending relationships.
Through the BS Kendra Foundation, we run adult literacy camps, menstrual health drives, tree-planting programs (2.4 lakh saplings planted since 2018) and scholarship funds for 3,100+ children of borrower families.
Every loan is disbursed with a reducing-balance interest rate, transparent charges and doorstep support from your local BS Kendra officer.
Free, easy-to-understand lessons covering everything from saving your first ₹100 to reading your credit score.
Field-first, feedback-driven, and deeply rooted in the communities we serve.
Health cover, two-wheeler allowance, performance bonus, and paid upskilling programs.
68% of our branch managers were promoted internally from field-officer roles.
+91 94403 70451
support@bskendra.com
Mon–Sat: 9:30 AM – 6:30 PM
Sunday: Closed
BS Kendra Microfinance Pvt. Ltd., No 69, AB Square, 60 Feet Road, Sanjay Nagar, RMV 2nd Stage, Bengaluru, Karnataka 560094