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Vivriti Capital Reviews

Chennai, Tamil Nadu

4.7/ 5

3 reviews

Vivriti Capital Limited, established on June 22, 2017, is a prominent tech-enabled Non-Banking Financial Company (NBFC) headquartered in Chennai, Tamil Nadu. As a systemically important non-deposit-taking NBFC (SI-ND-NBFC), Vivriti is on a mission to serve as a catalyst for fiscal transformation in India. The company was founded by Vineet Sukumar and Gaurav Kumar, both of whom possess extensive expertise in Indian debt markets and credit lending. The company primarily operates as a B2B lender, focusing on the underserved mid-market segment. Its core business operations are divided into two main segments: the lending business and the arranger business. Vivriti offers a diverse suite of financial products, including term loans to small and medium enterprises (SMEs) and smaller financial institutions, supply chain financing, factoring, leasing, and equipment financing. Additionally, the company facilitates consumer and micro-business loans through strategic co-lending partnerships with other NBFCs and fintech firms. Vivriti Group comprises Vivriti Capital Ltd. and its subsidiary, Vivriti Asset Management Pvt. Ltd., which manages various debt Alternative Investment Funds (AIFs). As of late 2025, the group reported a combined Assets Under Management (AUM) exceeding INR 13,000 crore. Specifically, Vivriti Capital's standalone AUM reached INR 10,848 crore as of December 31, 2025, reflecting a significant growth trajectory from previous years. The company maintains a robust financial position with a Capital Adequacy Ratio (CAR) consistently above 20% and strong credit ratings, including A (Stable) from ICRA and A+ (Stable) from CARE and CRISIL. The company is backed by prestigious institutional investors, including Creation Investments, Lightrock (LGT Group), and TVS Capital. These investors have cumulatively infused over INR 1,399 crore into the entity, supporting its scale-up and operational expansion. Vivriti employs over 400 professionals across major Indian hubs, including Chennai, Mumbai, Bangalore, and Delhi-NCR. Beyond its financial services, Vivriti is recognized for its employee-centric culture. The company offers a wide range of benefits, such as professional development grants, interest-free loans, and comprehensive healthcare. It also emphasizes work-life balance through recreational facilities at its headquarters and various wellness initiatives. Strategically, Vivriti has initiated a restructuring plan to separate its online platform, NBFC, and asset management businesses into distinct legal entities. This move aims to de-risk the balance sheet and provide greater flexibility for future growth and capital access. By leveraging technology and deep domain expertise, Vivriti Capital continues to deepen India's under-penetrated debt markets, empowering over 1.5 million retail borrowers and 300+ enterprises across more than 45 sectors.