SASWAT
Innovative and effective financial solutions
enriching lives in Rural India
Supported by
WHAT WE OFFER
FINANCE
We provide tailored financial solutions to support farmers and micro-entrepreneurs in rural India. Our lending services help farmers invest in cattle and used-tractors, and provide capital for small business owners.
Our easy-to-use financial management tools help them track finances, and make confident decisions—empowering rural communities to thrive through easy access to credit.
INSURANCE
We offer robust cattle insurance to mitigate risks. In addition, our comprehensive coverage extends to health insurance and, credit protection—ensuring farmers and their families are safeguarded against life’s uncertainties.
Beyond protection, our innovative data analytics tools transform raw data into actionable insights. We're committed to their success, offering on-demand support.
GUIDANCE
Our Para-Vets play a vital role—providing timely advice for cattle care, based on observations and the data meticulously recorded on our platform, helping farmers in nutrition, hygiene, and overall health.
Beyond animal care, our team also provides advisory support in financial literacy and guidance—empowering farmers to make informed financial decisions, manage resources effectively, and plan for long-term sustainability.
Powered By
Saswat is on a mission to build a tech-enabled, trust-led ecosystem that empowers farmers and micro-entrepreneurs in rural India with timely access to credit, livelihood advisory and last-mile financial services.
We solve critical challenges such as lack of formal credit access, fragmented advisory support, poor data visibility and limited digital infrastructure, by combining deep rural field presence with proprietary technology, alternative data insights and a “Phy-gital” approach.
5,000
Farmers
Financed
8,500
Cattle
Inspected
1,000
Villages
Reached
14,000
Insurances
Issued
IN THE NEWS
THOUGHT PIECES
WHAT OUR CLIENTS SAY
From farmers who have experienced the transformative powers of Saswat Finance
Saswat Financial Technologies introduced the cattle loan in our village through our dairy society. Their team visited our home, explained the loan benefits, and provided doorstep service. With the loan, we purchased two cows, increased our milk production, and doubled our income.
Seeing our progress, many others in the village also took loans from Saswat. It has helped families meet basic needs and boost income. The younger generation is now inspired to pursue dairy farming.
-Hanumavva Nagaralli
Koppal District, Karnataka
I had been rearing cattle for some time and owned 5–6 animals. Growth was slow until I took a loan from Saswat Finance to purchase 3 more cattle. As a result, my milk production increased, my income improved, and I was able to further expand my herd. Now, I have 15–16 cows. I made significant progress after taking the loan from Saswat.
-Navnath Prabhakar Malaghe
Pune District, Maharashtra
I bought a buffalo with the loan. It gives about 6–7 litres of milk daily. I keep some for home use and sell the rest. It has become our main support. Earlier, I had to ask others for help, but now people ask me how I did it. Saswat helped us believe in our own potential.
-Anupriya Tripathi
Lakhimpur District, Uttar Pradesh
I had 3 cows and 2 buffaloes and wanted to expand. Around that time, I learned about Saswat Finance through our Milk Collection Centre owner. I quickly received a loan for 3 cattle with minimal paperwork.
When one of the cattle died unexpectedly, I informed the Saswat field officer and received the insurance claim within a week. My EMI has since reduced, and I’m very happy with their prompt service. Based on my experience, I will recommend Saswat Finance to friends and family.
-Vikas Ekanath Yadav
Sangli District, Maharashtra
Trusted by over 10,000 farmers across 3 States and 1,000 Villages.
ABOUT US
We observed a recurring paradox: rural India was rich in potential yet underserved by formal finance. Financial institutions struggled to penetrate rural markets due to three critical challenges—prohibitive customer acquisition costs, limited access to reliable borrower data, and fragmented distribution networks.
A healthy, productive cow or buffalo is more than just an income-generating asset—it is a self-sustaining rural micro-enterprise. Yet this critical asset remained largely unfunded and unprotected. Farmers often relied on high-interest informal loans, only to lose their cattle to illness, inadequate nutrition, or lack of veterinary care.
In 2022, we founded Saswat Finance with a clear mission: to fund a system of resilience. We focus on asset creation, protection, and income stability, enabling farmers to build sustainable livelihoods. We built a fully in-house tech platform for loan origination, underwriting, and collections. We launched field operations across Maharashtra, Karnataka, and Uttar Pradesh. And, defying industry trends, we achieved high approval rates among new-to-credit (NTC) customers.
Today, Saswat Finance is more than a lender—it is a long-term partner in rural prosperity.
LEADERSHIP TEAM
Ravi Ranjan Chaudhary
Arun Tiwari
Indrajyoti Bhattacharjee
Rahul Nischal
Chaitanya Mali
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