300+ Controls That
Turn Field Execution
Into Boardroom Trust
SARTHI: NBFC Operations framework that delivered 65bps ROA uplift at a leading NBFC-MFI and 50bps opex reduction for another. 300+ controls. 4 pillars. 1 quantified outcome.
Trusted by marquee NBFCs | Guided by former regulators & investors
4 years Field-Tested
₹
5000+ Cr AUM Consulted
Why Superior Strategy Isn't Enough
It's 11 PM. Your PAR jumped 40 basis points this quarter, but you can't trace it to any single policy change. Your SOPs are pristine. Your training seems robust. Yet field execution drifts—silently, expensively.
By the time weak practices surface in your financials, the cost is already baked in. Opex creep. NPA surprises. Investor questions you can't answer with data.
Most NBFCs don't fail because of bad strategy. They stumble because execution drifts—and they discover it too late.
Process Design
SOPs & Policies
Field Execution
Daily Opertions
THE GAP
Silent Drift
Financial Impact
PAR, Opex, NPA
SARTHI exposes this gap before it hits your P&L
SARTHI Is Different
Built specifically for Indian NBFCs, grounded in field reality, and focused on measurable outcomes.
Preventive, Not Reactive
Identifies process noise before it becomes PAR, credit cost, or opex issues. Early detection = lower fixing cost.
ROA-Linked, Not Checklist
Every finding tied to performance impact. No compliance theater, quantified business outcomes only.
Design + Execution
Evaluates both how processes are designed AND how they run in the field. Closes the strategy-execution gap.
Field Reality + Data
Boots-on-ground observations + data forensics. Not just SOP reviews from head office.
Deployment, Not Just Diagnosis
12-18 month co-owned implementation with playbooks. We don't just hand you a report and leave.
Changes Routines, Not Slides
Focus on daily field behavior—where outcomes are actually determined. Institutional muscle memory.
Controlled Benchmarks
Know where you stand vs. peers in your segment. Clear definitions, peer comparisons, metric hygiene.
Builds Internal Capability
Primary execution teams from within your organization. You own it. We enable it.
Inside SARTHI: 300+ Controls Across 4 Pillars
A comprehensive framework covering every aspect of NBFC operations, from leadership governance to field execution.
Leadership
12+
-
Purpose & Strategy
-
Governance & Risk
-
Partnerships & Leadership Development
Processes
200+
-
Pre-Sourcing
-
Sourcing
-
Onboarding
-
Repayment
-
PAR Management
-
Staff Capacity
-
Compliance
-
Digital Systems
-
Innovation
-
Infra & Vendor
-
In-life Servicing & Closure
-
Cross Sold Products
People
70+
-
Recruitment
-
Training
-
Performance Management
-
Engagement
-
People Systems
-
Grievance Redressal
Performance
30+
-
Growth
-
Efficiency
-
Customer Experience
-
People Metrics
-
Process Health
-
Risk
The controls are defined separately for each vertical - MFI, AHFC, LAP, MSME & CV
300+ Total Controls
Categorized by criticality for prioritized implementation
130+
MUSTs
50 to 70% Critical Mandates
75+
SHOULDs
30% Supervisory Excellence
50+
RECOMMENDs
15 to 25% Best Practices
Critical Mandates Map to:
RBI Master Directions
RBI FPC, DLC
RBI Outsourcing FSD
RBI IT & CS Framework
SROs- MFIN/Sa-Dhan/ HDB CoC
Rating Agency Methods
Investor & Lender DD
From Field Noise to P&L Performance
Real outcomes from real NBFCs. Not projections—actual results.
+65 bps ROA
A Leading NBFC MFI
-
Challenge: Operational drift affecting profitability
-
Intervention: Comprehensive diagnostic across 270 controls, prioritized action plan, co-owned deployment
-
Result: Sustained 65 basis point ROA improvement, institutionalized operational discipline
₹300 Cr Capacity + 4.5% Opex Cut
Support Functions Optimization
-
Audit redesign: 50% fewer branch days, 2.3% opex saved
-
Centralized support functions: 1.9% opex cut
-
RO/CO realignment: 20% travel reduction
-
Recruitment re-engineering: 56% faster hire-to-join
+30% Disbursement
Data-Driven Sourcing
-
GIS++ scoring: 11% new customer potential unlocked
-
Central eligibility ranking: +8% LO capacity
-
Pre-screening: Improved KYC rates
-
Data-guided sourcing: 3-month faster GLP
The SARTHI Process
From initial assessment to institutionalized excellence—a proven pathway.
Phase 1:
15 days
Strategic Assessment
Light-touch diagnostic to identify quick wins and priority areas.
Outputs:
-
Traffic-light dashboard
-
Top-5 'fix-first' list
Phase 2:
30-45 days
Comprehensive Diagnostic
Boots-on-ground audits + data forensics. Grade every SARTHI pillar.
Outputs:
-
100-day & 300-day ROA-linked roadmap
-
Detailed pillar grades
Phase 3:
12-18 Months
Co-Owned Deployment
Internal project teams lead execution. Playbooks for every intervention.
Outputs:
-
Institutionalized operating discipline
-
Trained internal champions
Phase 4:
Optional
SARTHI Accreditation
Independent scoring vs. benchmark for investor credibility.
Outputs:
-
Investor-ready credibility badge
-
Benchmark comparison report
Who Built SARTHI
Practitioners who've lived the NBFC reality—from branch audits to boardroom strategy.
Shishir Shrimal
Co-founder
25+ years turning frameworks into P&L results. Delivered end-to-end transformations for tier-1 NBFC-MFIs. Track record: Cut Opex, tightened risk, accelerated branch throughput.
Sushant Pande
Co-founder
Transformation leadership in COO office at Wipro. $11M+ documented savings through operational frameworks.
Dibyendu Das
Partner
Cross-sector operational excellence expertise spanning BFSI, Microfinance, Utilities, Healthcare, and Tech Centers.
Guided by Elite Advisory Board
Former RBI regulators, seasoned investors, and MFI CEOs
Tarun Mehndiratta
Former COO of Fusion Finance and a seasoned operations leader who advises SARTHI on scalable execution and frontline productivity
Harsh Shrivastava
Former CEO of MFIN and a governance-focused adviser mentored the team in shaping the SARTHI framework
4 Years Inside India's Marquee MFIs → 100+ Field Reflections → 1 Disciplined Playbook
Common Questions
Everything you need to know about SARTHI