Velicham

What Velicham does

Velicham is a non-banking financial company (NBFC) registered in India and headquartered in Thiruvarur, Tamil Nadu, incorporated around 2016. Firmographic data describes the firm as providing "sustainable financial products" to three target segments: entrepreneurs, traders, and agriculturists — a profile consistent with a localized lender serving the informal and semi-formal credit needs of rural and semi-urban borrowers in the Cauvery delta region, where traditional bank penetration is thin. Headcount is reported in the 51–100 range, placing Velicham in the small-/mid-tier Indian NBFC bracket.

The company's business model follows the standard NBFC framework: capital is deployed through lending instruments to its target segments, and revenue is generated primarily from net interest spreads, processing fees, and ancillary credit-related charges. No product-level disclosures (loan products, ticket sizes, tenors, interest rate ranges), pricing schedule, technology stack, customer logos, or partnership details are available in the source material. The firm's own website (velichamfinance.com) returned only a verification/loading placeholder during data capture, so product, governance, and disclosures could not be verified first-party.

Source material is thin: no funding rounds, no investor roster, no management team, no regulatory license number, no awards or certifications, no M&A activity, and no quantitative scale commentary are disclosed. Consequently, capital base, AUM, asset quality, and operational maturity cannot be triangulated from public inputs; the description above is bounded to what the available firmographic and verification-block evidence directly supports.

Name

Velicham

Website

https://velichamfinance.com

Company type

Private

Founded year

2016

Headcount range

51–100 employees

Short description

Velicham is an Indian non-banking financial company (NBFC) headquartered in Thiruvarur, Tamil Nadu, founded in 2016. It provides sustainable financial products — primarily credit — to entrepreneurs, traders, and agriculturists in underserved semi-urban and rural segments, operating with a 51–100 person team.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services

NAICS

Sales Financing (522220)

SIC

Miscellaneous Business Credit Institution (6159), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Trade Finance & Supply Chain Finance Platforms (FSAGAJAL)

akta.pro secondary industry

Supply Chain Finance (Approved Payables / Reverse Factoring) (FSABAHAC)

Keywords

• Non-banking financial services
• Agricultural lending
• Entrepreneur financing
• Sustainable finance
• Rural microfinance

Headquarters

HQ city

Thiruvarur

HQ country

India

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations

Core offering

Velicham is a non-banking financial company (NBFC) that provides sustainable financial products targeted at entrepreneurs, traders, and agriculturists. The company focuses on delivering credit and related financial services to these underserved borrower segments, primarily operating from its base in Thiruvarur, India.

Differentiator

Problem solved

Functional benefit

Products and services

• Sustainable financial products for entrepreneurs, traders, and agriculturists Credit and related financial products offered by Velicham NBFC to individual entrepreneurs, traders, and agriculturists in India.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Ujjivan Small Finance Bank: Indian small finance bank serving underserved urban and rural customers with deposits, loans, and small-business credit. Comparable customer segments to Velicham, though with a banking licence and broader product set.
• Bandhan Bank: Indian universal bank that began as a microfinance institution and continues to serve rural and semi-urban small borrowers. Comparable mission and customer segments, though with full banking infrastructure versus Velicham's NBFC structure.
• Equitas Small Finance Bank: Indian small finance bank focused on inclusive banking for underserved entrepreneurs, traders, and rural customers. Comparable customer base and small-borrower mission, with regulatory and funding advantages over an NBFC.
• Cholamandalam Investment and Finance: Diversified Indian NBFC providing vehicle finance, SME loans, and home loans across India. Comparable as an established NBFC serving entrepreneurs and small businesses, but with a broader product portfolio and substantially larger scale.

Direct peers

• Fusion Microfinance: Indian microfinance NBFC focused on rural and semi-urban borrowers. Comparable thin-file borrower base and similar NBFC regulatory structure, sized closer to Velicham than the larger incumbents.
• Muthoot Fincorp: Large Indian NBFC serving small entrepreneurs, traders, and rural borrowers with secured gold and business loans across thousands of branches. Directly comparable to Velicham's customer segments and NBFC charter, though at vastly greater scale.
• Bharat Financial Inclusion: Indian microfinance lender (subsidiary of IndusInd Bank) serving rural and small borrowers across India. Comparable mission, customer segments, and small-borrower focus to Velicham, with a banking-parent distribution advantage.
• Manappuram Finance: Diversified Indian NBFC with a strong rural and small-business lending franchise alongside consumer finance and gold loans. Comparable customer segments (micro-entrepreneurs, traders) and similar NBFC regulatory structure.
• CreditAccess Grameen: Large Indian microfinance NBFC lending to rural and semi-urban borrowers across multiple states. Comparable rural Indian borrower base and NBFC charter, with a much larger multi-state footprint than Velicham.
• Spandana Sphoorty Financial: Indian microfinance NBFC serving thin-file rural and semi-urban borrowers across underserved districts. Directly comparable to Velicham's focus on underbanked Indian small-business and informal-sector customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/velichamfinance
• LinkedInlinkedin.com/company/velicham-finance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Velicham