Hindon Mercantile Limited (HML) is a Reserve Bank of India–registered Non-Banking Financial Company (NBFC) specializing in retail lending solutions for emerging India. With a strong commitment to financial inclusion, HML has built its presence by offering accessible, transparent, and customer-centric credit products targeted at underserved and semi-urban markets.
The company focuses on bridging the credit gap for individuals, self-employed borrowers, and micro & small businesses who often remain outside traditional banking channels.
A Retail-Centric Lending Model Designed for Growth
Hindon Mercantile operates on a high-volume, retail-focused lending model, with a diversified loan portfolio tailored to the needs of customers in tier-2 and tier-3 towns. Its revenue model revolves around:
✔ Loan Against Property (LAP)
Secured loans offering medium-ticket funding to small businesses, traders, and self-employed professionals.
✔ MSME & Business Loans
Collateral-free and secured loans designed to help small enterprises meet working capital, expansion, and cash-flow needs.
✔ Personal Loans
Quick and flexible financing solutions with simplified documentation for salaried and self-employed individuals.
✔ Two-Wheeler Loans
Affordable credit for mobility, especially in semi-urban and rural pockets.
The company differentiates itself with customer-friendly processes, doorstep service, flexible underwriting, and a deep understanding of informal income profiles.
Growing Presence Across Semi-Urban & Rural India
While detailed branch data remains limited, Hindon Mercantile is widely recognized for its expanding presence across North India, particularly:
HML adopts a hybrid distribution model that includes:
This multi-channel approach enables the company to reach customer segments often overlooked by mainstream banks.
Financial Growth & Operational Performance
Hindon Mercantile Limited has steadily scaled its loan book and AUM, supported by rising credit demand in the MSME and retail lending sectors. Key performance drivers include:
With India’s MSME ecosystem expanding rapidly, HML is well positioned to capitalize on the rising need for accessible retail credit.
Conclusion
Hindon Mercantile Limited is emerging as a strong NBFC player focused on empowering financially underserved customers across North India. By combining flexible loan products with customer-first processes, the company continues to strengthen its footprint in the retail lending space. With rising credit penetration, digital adoption, and consistent growth in the MSME sector, HML stands poised for further expansion in the coming years.
Read More| P&L Statement | Record not found! |
|---|
| Financial Ratios | Record not found! |
|---|
| Balance Sheet | Record not found! |
|---|
| Liabilities | Record not found! |
|---|
| Cash-Flow Statement | Record not found! |
|---|
Data not found
We give you the data, insights, and access—you make the profit.