What Saumya Consultants does

Saumya Consultants Limited is a Kolkata-based, RBI-registered Non-Deposit Taking Non-Banking Financial Company (NBFC) incorporated in 1993 as a private limited entity and converted to public limited status in February 1996. It is publicly listed on the Bombay Stock Exchange and Calcutta Stock Exchange under CIN L67120WBPLC061111, with RBI Registration No. B 05.06222 issued March 4, 2004 under Section 45IA of the RBI Act, 1934. The firm operates from a single headquarters in Kolkata and maintains a standard investor-relations and corporate-governance footprint, including quarterly results, annual reports, shareholding-pattern disclosures, and committee structures for audit, nomination and remuneration, shareholder grievances, and CSR.

Its product surface spans seven integrated lines: investment in securities and mutual funds, inter-corporate loans and structured finance, secured and unsecured loans and advances (short- and long-term), loans against securities and real estate, invoice discounting and asset-based financing, co-lending solutions with leading financial institutions, and wealth-management advisory. Target segments include individuals and professionals, MSMEs and small businesses, traders and corporates, and rural/semi-urban markets described as financially underserved. The go-to-market is sales-led and direct, with customers approaching the Kolkata headquarters; distribution also runs through co-lending partners for capital origination and through BSE/CSE for public shareholders.

Revenue mechanics rest on four streams: interest income from secured and unsecured lending (including inter-corporate and loan-against-securities), investment returns from securities/mutual funds/equities/bonds, fee-based income from advisory and asset-based financing, and shared interest and processing fees from co-lending arrangements. No proprietary technology platform, AI/ML systems, mobile application, API, or third-party integrations are disclosed; the underlying "platform" is the NBFC operating model itself. Customer testimonials on the website are presented under generic first names without company affiliations or sector validation, and no named enterprise customer logos are published, leaving concentration and revenue scale unverifiable from the available data.

Name

Saumya Consultants

Legal name

Saumya Consultants Limited

Website

https://saumyaconsultants.com

Company type

Public

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Saumya Consultants Limited is a Kolkata-based, RBI-registered Non-Deposit Taking NBFC offering loans, investment, wealth management, invoice discounting, and co-lending solutions to individuals, MSMEs, corporates, and rural/semi-urban clients across India.

Ownership category

akta.pro rank

Product category

Non-Banking Financial Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Portfolio Management and Investment Advice (523940)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Investment Advice (6282)

akta.pro primary industry

Middle-Market Lending (FSANADAI)

akta.pro secondary industries

Asset-Based Lending (ABL) (FSANADAD), Direct Lending — Asset-Based Lending (ABL) (FSAHAJAE)

Keywords

• NBFC lending services
• Inter-corporate loans
• Loan against securities
• Wealth management advisory
• Co-lending partnerships

Headquarters

HQ city

Kolkata

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest Income: Interest income from providing secured and unsecured loans to businesses and individuals, including inter-corporate loans, structured finance, and loan against securities
2. Investment Returns: Returns from investing in securities, mutual funds, equities, and bonds with focus on risk-adjusted returns
3. Fee-Based Services: Financial advisory, wealth management services, and invoice discounting/asset-based financing services
4. Co-Lending Partnerships: Revenue generation through co-lending arrangements with leading financial institutions, sharing interest income and processing fees

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Saumya Consultants Limited is an RBI-registered Non-Deposit Taking NBFC providing secured and unsecured loans, inter-corporate and structured finance, loan against securities and real estate, invoice discounting, co-lending solutions, investments in securities and mutual funds, and wealth management advisory. It serves individuals, professionals, MSMEs, traders, and corporates primarily from its Kolkata headquarters with co-lending partnerships extending its capital reach.

Product overview

Saumya Consultants Limited operates as a unified financial services platform offering six integrated product lines. The core offerings include Investment in Securities & Mutual Funds, Inter-Corporate Loans & Structured Finance, Loans & Advances, Loan Against Securities & Real Estate Financing, Invoice Discounting & Asset-Based Financing, and Co-Lending Solutions. All products are delivered through a single organizational structure with wealth management advisory as an overarching service, targeting clients from leading tech companies and the broader Indian market.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment in Securities & Mutual Funds Intelligent investment strategies across equities, bonds, and mutual funds with a focus on risk-adjusted returns, offered to individuals and businesses seeking portfolio diversification.
• Inter-Corporate Loans & Structured Finance Customized inter-corporate lending solutions and structured finance arrangements tailored for businesses requiring bespoke credit facilities.
• Loans & Advances Wide spectrum of secured and unsecured loans with both short- and long-term tenures, made available to individuals and business borrowers.
• Loan Against Securities & Real Estate Financing Loans against shares, mutual funds, bonds, and real estate at competitive terms, enabling clients to unlock liquidity without liquidating their investment portfolios.
• Invoice Discounting & Asset-Based Financing Invoice discounting and receivables financing services that boost cash flow and working capital for traders and corporates.
• Co-Lending Solutions Co-lending partnerships with leading financial institutions that ensure greater access to capital for borrowers while maintaining competitive interest rates.
• Wealth Management Tailored strategies and expert financial advice for individuals and businesses to grow and protect wealth, delivered as an overarching advisory layer over the lending and investment products.

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• S.K.Infosolutions Pvt. LtdoperationalOthersRegistrar and Transfer Agent providing investor services including share transfer, investor grievance handling, and compliance support. Located in Kolkata with SEBI Registration No. INR000003886.

Scale indicators4 records

Recent moves9 records

Expansion highlights4 records

Others

• S.K.Infosolutions (Registrar): SEBI-registered Registrar & Transfer Agent providing investor services to Saumya. Indirect ecosystem participant, not a financial peer, but the disclosed operational partnership makes it a relevant adjacent entity.

Direct peers

• Capri Global Capital: MSME-focused Indian NBFC providing business loans, housing finance, and construction finance. Closely comparable in MSME focus, secured/unsecured lending products, and mid-cap listed NBFC positioning.
• MAS Financial Services: Indian NBFC specializing in MSME lending, two-wheeler finance, and micro-enterprise loans with co-lending partnerships. Directly comparable business model targeting underserved MSMEs, similar co-lending strategy, and small-mid cap listed profile.
• Muthoot Capital Services: Kerala-based mid-cap Indian NBFC providing vehicle finance, MSME loans, and corporate lending. Similar size tier, comparable product mix (secured/unsecured lending, structured finance) and listed NBFC operating model.
• Manappuram Finance: Kerala-based listed Indian NBFC with gold loans, microfinance, MSME and vehicle finance. Comparable diversified lending focus, listed NBFC profile, and similar size tier to Saumya within the broader NBFC landscape.
• Sundaram Finance: Established Chennai-headquartered Indian NBFC offering vehicle finance, corporate lending, housing finance, and investment products. Comparable diversified lending + investment model and long-standing RBI-registered NBFC profile.
• Cholamandalam Investment and Finance: Mid-market Indian NBFC focused on vehicle finance, MSME loans, home equity, and SME lending. Closely comparable in middle-market lending orientation, product breadth (secured/unsecured loans, structured finance), and Indian listed NBFC status.

Broad incumbents

• IIFL (India Infoline) Finance: Diversified Indian NBFC offering loans against property, MSME finance, gold loans, and wealth management. Comparable diversified lending + wealth management model and listed NBFC status.
• Shriram Finance: Large Indian NBFC (post Shriram City Union Finance merger) with deep MSME, two-wheeler, and small business lending franchise. Comparable customer segments (informal/semi-formal borrowers, MSMEs, individuals) and similar product suite around lending and wealth.
• Bajaj Finance: Largest Indian NBFC offering consumer durable loans, MSME lending, mortgages, and wealth management. Directly comparable product suite (lending + investments + advisory) at vastly larger scale, serving as the industry benchmark for diversified NBFC business model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/saumya-consultants-ltd

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Saumya Consultants