Anand Rathi Global Finance
Anand Rathi Global Finance (ARGFL) is an RBI-registered NBFC-ND-SI subsidiary of Anand Rathi Financial Services Ltd offering secured lending — Loan Against Property, Loan Against Securities, Construction Finance — and Treasury operations to MSMEs, real estate developers, and securities holders across 16+ Indian cities.
- Company typePrivate
- Founded-
- HeadquartersMumbai, India
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Anand Rathi Global Finance does
Anand Rathi Global Finance Limited (ARGFL) is an RBI-registered Systemically Important Non-Deposit Taking Non-Banking Financial Company (NBFC-ND-SI) and a subsidiary of Anand Rathi Financial Services Ltd, the financial services arm of the Anand Rathi Group founded in 1994. The company provides four core products: Loan Against Property (LAP) for MSMEs and individuals using residential, commercial, and industrial property as collateral with LTV of 60-70% and tenures up to 15 years; Loan Against Securities (LAS) covering equity shares, mutual funds, bonds, ESOPs, and IPO application funding with ticket sizes of Rs 10 lakh to Rs 5 crore and digital onboarding for NSDL DP accounts; Construction Finance for real estate builders with ticket sizes of Rs 5-25 crore in Mumbai, Pune, and Bangalore; and a Treasury Operations desk trading Government Securities, T-Bills, Corporate Bonds, and SDLs.
ARGFL operates through 16+ branch offices across major Indian cities supplemented by 80+ channel partners for LAP origination and digital onboarding for LAS. Technology components include an EMI calculator, real-time pledged security valuation with daily revaluation, a client portal (lasclient.rathi.com), and integration with TradingView for fixed-income analytics. The company holds ISO/IEC 27001:2022 certification and is classified as an NBFC-ND-SI under RBI regulation.
The business model is interest-income driven across secured lending verticals with processing fees (up to 1% on LAS), no prepayment penalties on LAS, and treasury trading income. Customer segments include MSMEs, securities holders (resident and NRI), real estate builders, and individual borrowers (salaried and self-employed, age 21-70, credit score 650+ preferred). Go-to-market combines direct branch sales teams, channel partners, and Group ecosystem cross-selling through Anand Rathi's Investment Services, Insurance Broking, Private Wealth, Investment Banking, and ARPreferred franchises.
Anand Rathi Global Finance firmographics
Firmographics- Name
- Anand Rathi Global Finance
- Legal name
- Anand Rathi Global Finance Limited
- Website
- https://www.anandrathiglobal.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Anand Rathi Global Finance (ARGFL) is an RBI-registered NBFC-ND-SI subsidiary of Anand Rathi Financial Services Ltd offering secured lending — Loan Against Property, Loan Against Securities, Construction Finance — and Treasury operations to MSMEs, real estate developers, and securities holders across 16+ Indian cities.
- Ownership category
- akta.pro rank
Anand Rathi Global Finance industry classification
Industry- Product category
- Non-Banking Financial Services
- NAICS
- All Other Financial Investment Activities (52399), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)
- akta.pro secondary industries
- Stock Borrow/Loan (Equities Securities Lending) (FSACAFAD), Securities Borrowing & Lending (Equities/Bonds) (FSACAIAC)
Keywords
Where Anand Rathi Global Finance is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices17 records
Markets served
Anand Rathi Global Finance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Loan Against Property (LAP): Secured lending against residential, commercial, and industrial property. Revenue earned through interest income on disbursed loans. LAP launched in 2017 for businessmen, traders, proprietors, manufacturers, and professionals. Offers up to 60-70% LTV on property value.
- Loan Against Securities (LAS): Lending against equity shares, mutual funds, bonds, and ESOPs as collateral. Interest income charged on utilized amount with no prepayment penalty. Processing fee of up to 1% of loan amount. Product includes loan against shares, promoter funding, loan against bonds, and IPO application funding.
- Construction Finance: Project financing for real estate builders to complete ongoing projects. Launched in 2016. Loan ticket sizes range from Rs 5 Cr to Rs 25 Cr with tenures of 6 months to 3 years as revolving credit/OD facilities. Revenue from interest income on disbursed amounts.
- Treasury Operations: Active treasury with fixed income instruments including Government Securities (G-Sec), T-Bills, Corporate Bonds, and SDLs. Revenue from trading positions and interest income. ARGFL is a prominent player in the G-Sec market among NBFCs, publishing daily market research reports.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Loan Against Property - SME/Business LAP |
| Subscription | Monthly | Loan Against Securities - Digital (up to Rs 5 crore) |
| Subscription | Monthly | Loan Against Securities - Promoter Funding (above Rs 5 crore) |
| Subscription | Monthly | Loan Against Bonds |
| Subscription | Pay-as-you-go | Loan Against IPO Application |
| Subscription | Monthly | Construction Finance |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Anand Rathi Global Finance product offering
Product offeringCore offering
Anand Rathi Global Finance Limited (ARGFL) is an RBI-registered Non-Banking Financial Company (NBFC-ND-SI) that provides secured lending products and treasury services. Its core offerings include Loan Against Property (LAP) for MSMEs and individuals pledging residential, commercial, or industrial property; Loan Against Securities (LAS) for leveraging equity shares, mutual funds, bonds, and ESOPs as collateral; Construction Finance for real estate builders to complete projects; and an active Treasury desk trading Government Securities, T-Bills, and Corporate Bonds.
Product overview
Anand Rathi Global Finance Limited (ARGFL) operates as an RBI-registered Non-Banking Financial Company (NBFC-ND-SI) offering a comprehensive suite of secured lending products. The core product portfolio consists of four interconnected offerings: Loan Against Property (LAP) for SME and business financing with property collateral, Loan Against Securities (LAS) providing capital markets lending against equity/mutual fund/bond collateral, Construction Finance for real estate project development, and Treasury services for fixed income trading and investment. The company serves MSMEs, real estate developers, and individual borrowers across major Indian cities through a network of branches and digital platforms.
Differentiator
Problem solved
Functional benefit
Products and services
- Loan Against Property (LAP) A secured loan product where borrowers pledge residential, commercial, or industrial property as collateral to access funds for business expansion, working capital, or personal needs. Offers multiple program variants including Vanilla Income, Gross Profit, Liquid Income, Banking Program, Low LTV, Gross Receipt, and Lease Rental Discount with LTV up to 60-70% and tenure up to 15 years. Targeted at MSMEs, small businesses, and individual borrowers.
- Loan Against Securities (LAS) A loan facility enabling borrowers to leverage equity shares, mutual funds, bonds, and ESOPs as collateral for immediate liquidity without selling investments. Loan amounts range from Rs 10 lakhs to Rs 5 crore with LTV up to 50% for approved equity shares and up to 90% for approved mutual funds. Interest is charged only on the utilized amount with no prepayment penalty, and includes digital onboarding for NSDL DP single-holder accounts.
- Construction Finance A lending division providing project financing to real estate builders to complete ongoing construction projects, secured against eligible collateral such as commercial/residential property or project receivables. Loan ticket sizes range from Rs 5 crores to Rs 25 crores with tenure of 6 months to 3 years, structured as revolving credit/OD facilities with progressive drawdown disbursements and interest-only payments during the construction phase.
- Treasury A treasury division that provides fixed income investment and trading services including Government Securities (G-Sec), Treasury Bills, Corporate Bonds, SDLs, Money Market Instruments (commercial paper and certificates of deposit). ARGFL is a prominent player in the G-Sec market among NBFCs, publishing daily market research reports and providing two-way executable quotes.
Quantifiable outcome
- Prime and above-prime borrowers' participation in gold loans rose from 43% to 52%, indicating structural behavioral shift in gold loan market
- +2 more outcomes
Companies that use Anand Rathi Global Finance
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles4 records
Anand Rathi Global Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Anand Rathi Global Finance partnerships and signals
Strategic signalScale indicators6 records
Recent moves6 records
Expansion highlights5 records
Anand Rathi Global Finance competitors and assessment
Company assessmentDirect peers
- IIFL Finance: Diversified Indian NBFC with LAP, gold loans, and home-equity products — directly comparable in LAP origination and secured retail lending, and an analogue for ARGFL's diversified secured-lending model.
- Shriram Finance: Large Indian NBFC focused on LAP, MSME, and small-business lending — comparable customer segment and secured-lending playbook to ARGFL's LAP franchise.
- Cholamandalam Investment and Finance Company: Listed Indian NBFC with overlapping LAP, vehicle finance, and SME lending focus serving MSMEs and individuals — among the closest direct comparisons for ARGFL's LAP-led book. ARGFL's SME vertical head Simranjeet Singh previously worked at Cholamandalam.
- L&T Finance Holdings: Large diversified NBFC offering LAP, farm equipment finance, and SME loans — overlapping product mix and target segments with ARGFL.
- Aditya Birla Finance: Diversified Indian NBFC with LAP, LAS and corporate lending — directly comparable multi-product secured-lending franchise. ARGFL's CTO Arjun Sen previously led technology at Aditya Birla Finance.
- SMFG India Credit (formerly Fullerton India): NBFC focused on MSME and personal LAP — a direct competitor in the same SME-LAP niche ARGFL targets. ARGFL's SME CEO Simranjeet Singh previously held key positions at SMFG India Credit.
- Piramal Capital and Housing Finance: Real-estate focused NBFC/HFC offering construction finance and LAP — directly comparable to ARGFL's Construction Finance vertical and real-estate backed lending. ARGFL's SVP Fundraising Rakesh Shah previously held a senior finance role at Piramal Capital.
- Tata Capital: Diversified Indian NBFC offering LAP, LAS and construction finance — closest large-scale direct peer across all four of ARGFL's product verticals, including a securities-backed lending offering.
Emerging players
- Geojit Financial Services: Listed Indian retail wealth and broking franchise offering loan-against-securities capabilities — comparable to ARGFL's LAS direct vertical from the broker-distribution side, though smaller in dedicated LAS balance sheet.
Broad incumbents
- Bajaj Finance: India's largest NBFC with a far broader portfolio (consumer durables, two-wheeler, mortgage, securities lending) — an established incumbent benchmark rather than a head-to-head competitor for ARGFL's mid-market focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights8 records
Customer concentration
Anand Rathi Global Finance social profiles
Digital presenceAnand Rathi Global Finance compliance and trust
Trust signalCompliance1 record
Anand Rathi Global Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Anand Rathi Global Finance leadership team
Management profileNumber of profiles
Profiles12 records
Anand Rathi Global Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Anand Rathi Global Finance M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Anand Rathi Global Finance
What does Anand Rathi Global Finance do?
Anand Rathi Global Finance Limited (ARGFL) is an RBI-registered Non-Banking Financial Company (NBFC-ND-SI) that provides secured lending products and treasury services. Its core offerings include Loan Against Property (LAP) for MSMEs and individuals pledging residential, commercial, or industrial property; Loan Against Securities (LAS) for leveraging equity shares, mutual funds, bonds, and ESOPs as collateral; Construction Finance for real estate builders to complete projects; and an active Treasury desk trading Government Securities, T-Bills, and Corporate Bonds.
Is Anand Rathi Global Finance a public or private company?
Anand Rathi Global Finance is a private company. It is classified as corporate owned and is currently operating.
When was Anand Rathi Global Finance founded?
Anand Rathi Global Finance was founded in -1. It employs 251 to 500 people.
Where is Anand Rathi Global Finance based?
Anand Rathi Global Finance is headquartered in Mumbai, India, in the Asia region.
How does Anand Rathi Global Finance make money?
Four revenue lines are on record. Loan Against Property (LAP) is the primary driver. The others are loan Against Securities (LAS), construction Finance and treasury Operations.
Who are Anand Rathi Global Finance's main competitors?
Direct peers on record are IIFL Finance, Shriram Finance, Cholamandalam Investment and Finance Company, L&T Finance Holdings, Aditya Birla Finance, SMFG India Credit (formerly Fullerton India), Piramal Capital and Housing Finance and Tata Capital. Geojit Financial Services is listed as an emerging player. Bajaj Finance is listed as a broad incumbent.
Does Anand Rathi Global Finance have an API?
No public API is recorded for Anand Rathi Global Finance.
What industry is Anand Rathi Global Finance in?
Anand Rathi Global Finance's product category is Non-Banking Financial Services. Its primary akta.pro industry code is BPAJANAE, Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing), with a secondary code of FSACAFAD, Stock Borrow/Loan (Equities Securities Lending). Its NAICS code is 52399 and its SIC code is 6162.