Addressing the credit needs of
under-served MSMEs IN BHARAT


APAC Group comprises of APAC Financial Services Private Limited, an NBFC registered with the Reserve Bank of India (RBI) in February 2018 and APAC Housing Finance Private Limited an HFC, registered with National Housing Bank in May 2018.

APAC is a young, growing company – we started business operations in 2018 with the vision of serving underbanked and underserved MSMEs in Bharat. We started up with capital contributed by the founder & leadership team, and later raised equity from marquee PE fund Multiples Private Equity & HNIs, taking APAC’s equity capital to circa INR 400 crores. In December 2021, the founder infused a further INR 45 crores in APAC, taking our equity capital closer to INR 450 crores. From the very beginning, we have had a highly experienced team across domains, led by a pedigreed board and expert advisory panel. 

We are a semi urban & rural market specialist and directly source all our customers via our branch network spanning 6 states & 1 UT. Our on the ground presence is powered by our digital-first approach and, in particular, by our proprietary origination & underwriting technology platform “Alpha”.

APAC has created a very strong foundation in a short span of 3 years and currently has +80 branches, +10,000 customers and +700 employees. With well-established processes backed by scalable physical and digital infrastructure, APAC is looking forward to achieving our mantra: Growth with Quality & Profitability.

Our Vision

Be amongst the most admired & respected financial services companies by empowering our customers through responsible lending.

Our Values

Governance  :  Not just in letter but in spirit
Innovation & Excellence  :  Always asking “Is there a better way”
Empowerment  :  For our customers & our employees
Respect & Integrity  :  Fairness for our customers, employees and stakeholders
Collaboration  :  Partner to win


APAC is promoted by Mr. Gunit Chadha, who has more than 35 years of experience in financial services across prominent leadership roles & entrepreneurship. After leading Deutsche Bank’s franchise in 16 countries across Asia Pacific (including India sub-continent, ASEAN, Greater China, Korea, Japan & ANZ), Mr. Chadha returned to the financial services industry in India in a new entrepreneurial avatar, as Founder of APAC Financial Services, a phygital lending platform focused on micro & small enterprises.

Previously Gunit was MD & CEO, Deutsche Bank India (2003-12) and earlier MD & CEO, IDBI Bank (2000-03). He also held various senior level positions at Citibank in India and New York. Mr. Chadha has been credited for launching / building several new businesses like retail banking, mortgages, sme financing, asset management, investment banking and structured finance. He has been awarded “Banker of the Year”, amongst other honours.

Mr. Chadha has served on the Board of the Association of Merchant Bankers in India, on the Managing Committee of Indian Banks’ Association and on several committees of the RBI, CII & FICCI. Mr. Chadha is also a member of the Young Presidents’ Organisation.

Mr. Chadha has an economics degree from St. Stephen’s College Delhi, an MBA from the Indian Institute of Management, Ahmedabad and an advanced management program from The Wharton School, USA. His interests include travel, sports & wildlife.

The Leadership Team

APAC started with a significant capital contributed by Mr. Chadha and the leadership team. The leadership team includes ex CEOs and business heads of leading financial institutions like Deutsche Bank, Citibank, NeoGrowth, Fullerton, RBL Bank, IDFC Bank, Edelweiss and few others. APAC group has followed a unique model in which the Leadership Team has invested a significant amount of their own capital with the Founder. This makes each one of them think like an entrepreneur and aligned to the long-term goals of the group.


(Founder & Managing Director)
(Executive Director)
Nithya Easwaran
(Investor Director)
Sanjay Maliah
Sanjay Athalye
(Independent Director)
Neeraj Bhushan Bhai
(Independent Director)