About Bini Finance
A social finance initiative dedicated to financial inclusion, livelihood development, and empowerment of underserved communities across India.
Who We Are
Bini Finance is a focused social finance initiative of Shubharthi Social Development Association, a Section 8 (Not-for-Profit) company incorporated under the Companies Act, 2013 and registered in the State of Rajasthan.
Shubharthi Social Development Association was incorporated in 2024 with the objective of working for the development and empowerment of economically weaker and underprivileged sections of society. The organization operates on a not-for-profit basis, ensuring that all income and surplus are applied solely towards achieving its social objectives.
Bini Finance was conceptualized to address a critical gap in access to timely and responsible financial support for individuals, self-help groups (SHGs), micro-entrepreneurs, women-led initiatives, and small rural enterprises, in alignment with the objects stated in the Memorandum of Association.
Why We Exist
A significant portion of individuals and micro-entrepreneurs in India continue to face barriers in accessing formal financial systems due to lack of collateral, credit history, or financial literacy. This often pushes them towards informal and high-risk sources of credit.
Bini Finance exists to bridge this gap by providing structured, need-based loan and financial assistance solutions without any intention of profit, thereby enabling socio-economic sustainability, dignity, and self-reliance among beneficiary communities.
What We Do
Need-Based Loan Support
Providing working capital, livelihood, and emergency loan support to individuals, SHGs, and small enterprises to promote financial stability and income generation.
Women & SHG Empowerment
Supporting women-led self-help groups through access to finance, capacity building, and guidance to strengthen collective livelihoods and entrepreneurship.
Micro & Rural Enterprise Development
Assisting cottage industries, MSMEs, and rural enterprises with financial and developmental support to encourage sustainable local economic growth.
Our Loan Programs
- • Micro Business Loan
- • MSME & Small Enterprise Loan
- • Women Empowerment Loan
- • Self-Help Group (SHG) Loan
- • Livelihood & Working Capital Loan
- • Education Support Loan
- • Emergency & Need-Based Loan
- • Rural & Cottage Industry Loan
Our Vision
To foster equality, development, happiness, and peace in society by creating an inclusive financial ecosystem that empowers individuals and communities to achieve sustainable livelihoods and long-term economic independence.
Our Mission
To alleviate poverty by providing responsible lending and financial services to underprivileged individuals and self-help groups, without any intention of profit, while supporting education, health awareness, women empowerment, and enterprise growth.
Governance & Compliance
Shubharthi Social Development Association operates in compliance with the Companies Act, 2013, as a Section 8 company. The organization maintains transparent governance practices, proper accounting, and statutory audits. No portion of income or surplus is distributed as profit or dividend, and all resources are utilized solely for the promotion of its social objectives as outlined in the Memorandum of Association.