Aadhar Cash - Non-Banking Financial Services Company (NBFC) in India

Uplifting the lives of communities @ scale

Watch Video

Uplifting the lives of communities @ scale

Watch Video

Uplifting the lives of communities @ scale

Watch Video

Uplifting the lives of communities @ scale

Watch Video

Areas of Intervention

Digital & Financial Inclusion

Our Digital and Financial Inclusion program is designed to unlock economic empowerment for rural communities, with a special focus on women, through the power of digital technology and access to finance through in-house developed “Digital Sakhi”. This initiative not only promotes financial inclusion but also sparks entrepreneurship among women, facilitating income generation and economic growth. By developing Digital Seva Kendras, we provide essential community services and support various local businesses.

Climate Impact Management

Our Climate Impact Management initiative through Project Prakrutiis committed to fostering environmental sustainability and enhancing the livelihoods of local farmers. We focus on increasing green cover and biodiversity, which not only benefits the environment but also supports the agricultural community. By providing farmers with comprehensive training, essential resources, and ongoing support, we enable them to adopt sustainable horticulture practices and embrace multiple cropping systems.

Disaster Management

Our Disaster Management initiative is dedicated to proactively protecting communities from natural disasters. By providing immediate relief materials and kits, we enhance community resilience and support their recovery efforts in the aftermath of catastrophes. These actions are in alignment with the United Nations Sustainable Development Goal 11 (Sustainable Cities and Communities), ensuring that communities are better prepared to withstand and overcome the negative effects of natural disasters.

Social Inclusion

Our Social Inclusion efforts encompass a range of initiatives in road safety and healthcare, representing a holistic approach to rural and semi-urban development. We understand the critical importance of promoting safe riding practices to reduce accidents and injuries, ensuring that community members can travel safely. Alongside this, we emphasize the provision of preventive healthcare services, including regular health check-ups, vaccinations, and health education programs.

AadharCash is one of the leading Non-Banking Financial Companies ("NBFC")which provides a diverse range of financial products and services.Headquartered in Mumbai, AadharCash has secured the highest credit rating- 'AAA', from 4 leading rating agencies. Additionally, your Company has received top-notch ESG Ratings for its performance on sustainability. AadharCash operates across a wide network of branches pan India, ensuring accessibility to people having diverse financial needs across varied geographies. Your Company actively drives financial inclusion by extending its products and services to society's financially excluded and marginalised sections.

Your Company is deeply committed to upholding the legacy of its parent company, Larsen and Toubro Limited (L&T). The L&T Group, a respected name in India's private sector for over eight decades, is characterised by professionalism and high standards of corporate governance. L&T is engaged in core, high-impact sectors of the economy and integrated capabilities that span the entire spectrum of ‘design to delivery’. L&T has also played a vital role in significant projects of national importance such as the Ayodhya Ram Temple, ISRO's Chandrayaan 3 mission, the Statue of Unity, Kempegowda International Airport and the Mumbai Trans Harbour Link, amongothers.

AadharCash became a publicly listed company in 2011, three years after its inception. Your Company has received a Certificate of Registration (CoR) as a Non-Banking Financial Company Core Investment Company (NBFC-CIC). However, pursuant to the merger, the Company, being the surviving entity, has applied for CoR as NBFC-ICC, and complies with the guidelines applicable to a NBFC-ICC, pending receipt of the CoR from RBI.

Upholding the values of transparency, accountability and commitment to stakeholder value, your Company has consistently disclosed its performance across its operations and businesses annually through Sustainability and Integrated Reports since FY19. AadharCash aims to provide a comprehensive overview of both, financial and nonfinancial performance during FY24 through this Integrated Annual Report ("the Report"). The Report is designed to present stakeholders with a holistic perspective of your Company's ambitions, strategic approach, goals, performance, impact, and future direction.

3S Approach

CSR approach is deeply anchored in the core principles of inclusive growth and sustainability. The Company’s overarching objective is to enhance the influence of each initiative by embracing a holistic ‘3S Approach’

Glimpses of CSR Activities

Certifications & Awards

View all

Certificate of Conformance

Banking Frontier Awards

Forbes India's Super 50 Companies

Organization Level, 2018

The Economic Times Infra Focus Awards

Emerging Infrastructure Debt Financer, 2022

Golden Peacock Award

Organization Level, 2018

The Economic Times Infra Focus Awards 2022

Emerging Infrastructure Debt Financer

Socio CSR Film Festival

Digital Sakhi Programme,

Discover how we can empower your journey. lets connect

Social Good

Social Good

Social Good

Social Good