Addressing the credit needs of
under-served MSMEs and
Consumers

ABOUT APAC

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 started business operations in 2018 with capital contributed by the Founder and the leadership team. Further, Multiples Private Equity invested circa INR 250 crores for a significant minority stake, which raised the equity capital of APAC closer to INR 400 crores. APAC’s focus is in lending to underserved MSME (Micro, Small & Medium Enterprises), on a pan-India basis, including smaller cities and semi urban centers.
A combination of domain knowledge, innovation, execution excellence, best-in-class corporate governance and risk management are the key guiding principles of APAC. 
APAC under its “Aapka Loans” brand, is building small-ticket Home Loan business focused on new to credit & self-employed customer segments. Launched in Mumbai Metropolitan Region (MMR) to cater to the underserved affordable housing segment.
In keeping with its ethos of building granular portfolios across MSMEs, APAC does no wholesale or real estate developer financing, in either its NBFC or HFC.
APAC group aspires to become a full-service provider to the MSME (Micro, Small and Medium Enterprises) segments by combining Physical and Digital Platforms, thereby providing a Phygital experience to its customers and becoming a new-age fintech enabled NBFC, with thin-architecture branches.

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

THE FOUNDER

APAC is promoted by Mr. Gunit Chadha , who after leading Deutsche Bank’s franchise in 16 countries across Asia Pacific (including India sub-continent, ASEAN, Greater China, Japan & ANZ), returned to the financial services industry in India in a new entrepreneurial avatar, as Founder of APAC Financial Services, a broad-spectrum credit lending platform across Micro, Small & Medium Enterprises.
He has been awarded “Banker of the Year” and many other honours during his banking stint and has been credited for launching several new businesses for Deutsche Bank & IDBI Bank like Consumer Finance, Mortgages, MSME Financing, Structured Finance, Asset Management and Investment Banking.

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.

Directors

GUNIT CHADHA
(Founder & Managing Director)
SHANKAR DEY
(Executive Director)
Nithya Easwaran
(Director)
Sanjay Maliah
(Director)

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GUNIT CHADHA
(Founder & Managing Director)

Gunit is a financial services leader with over 30 years experience. Gunit served as the former CEO of Deutsche Bank Asia Pacific, where he oversaw the bank's operations in 16 countries. Prior to that, he served as the CEO of Deutsche Bank India, where he oversaw a franchise with over 10,000 employees. Prior to that, Gunit served as CEO of IDBI Bank, where he was voted 'Banker of the Year' by Business Standard. Gunit has also served on the Board of the Association of Merchant Bankers in India, on the Managing Committee of India Bank’s Association and as a Co-Chair of the Banking Committee of the Federation of Indian Chambers of Commerce and Industry.

SHANKAR DEY
(Executive Director)

Shankar is a seasoned banking and finance professional with over 40 years experience in banking and industry, the bulk of which was in senior leadership positions. Shankar set up and managed the Indian operations of three international banks in India as CEO and also served as the CFO of a large company in the Tata Group. Shankar's experience covers investment, commercial and private banking including lending, capital markets, corporate advisory, M&A and private client advisory. Shankar has substantial experience in general management, strategy and corporate governance.

Nithya Easwaran
(Director)

Nithya has over 22 years of rich experience in financial services. She is Managing Director of Multiples Alternate Asset Management, a private equity platform with over US$1 billion of assets under management. Nithya joined Multiples Alternate Asset Management in 2010 and has led several investments made by the platform. She is a part of the investment committee and leads key strategic initiatives of the firm. In 2016, Nithya led the Fintech Committee, under the aegis of the CII National Committee on Financial Services, which interacted extensively with players in the sector and submitted a report to RBI and SEBI recommending changes to various regulations and practices to encourage the development of the sector. Prior to joining Multiples Alternate Asset Management, Nithya headed the Structured Finance Team of Citibank in India and before that she was a part of the structured finance business of ICICI Ltd. Nithya is considered a pioneer in the Indian securitization markets and has led origination and structuring of securitisation, project loans, mezzanine debt and leveraged finance in various roles over 14 years. She holds a Bachelor of Engineering from VJTI, University of Mumbai and an MBA from Indian Institute of Management, Lucknow. Nithya is non – executive Director on the Board of Arvind Fashions Ltd and APAC Financial Services Ltd. Nithya served as an independent Director on the Board of Axis Securities Ltd from March 2015 to April 2019 and on the Board of Freecharge Payment Technologies from October 2017 to April 2019. Nithya is a founding member of the India Chapter of Bloomberg Women’s Buyside Network.

Sanjay Maliah
(Director)

Sanjay is an entrepreneur with over 25 years of work experience in the field of marketing and managing his Industrial Abrasive Business, that covers the South Asian region. His expertise includes the design, development and increasing productivity by providing innovative products to Industries that require demanding solutions with the help of super materials. The Business involves distribution of super materials like Diamond and Carbides, delivering extreme performance through cutting-edge synthetic diamond, tungsten carbide and allied products for a host of industries, catering to Automotive, Aerospace, Oil & Gas, Mining & Construction, Consumer Electronics, Thermal Management, Optics and Next generation applications.