Back
Scaling our Presence through Last-Mile Impact

Mid-market companies are the engines of equitable growth and progress- creating jobs and opportunities across India’s diverse geographies.

By focusing on performing credit and bringing parity to India’s debt markets, Vivriti is amplifying their ability to deliver last-mile impact, unlocking livelihoods, and setting of virtuous cycles of economic development and social mobility.

Impact video thumbnail

At the heart of our operations is our impact framework rooted in global standards like Impact Management Project (IMP), Theory of Change (ToC), and the Sustainable Development Goals (SDGs). With a clear impact thesis and IRIS+-aligned KPIs, it emphasizes on last-mile outcomes while addressing cross-cutting priorities.

Our Impact Journey

“While financial inclusion has been an underlying impact achieved through Vivriti Group’s scale and growth, its foray into portfolio diversification has deepened and magnified its impact. Since FY 2022-23, the Group has been expanding its portfolio to include more of other sustainable and green sectors. This journey is supported by our ESG readiness and conducive in-house ESG environment (relevant policies, systems, and frameworks).”

- Vineet Sukumar, CEO

Our Impact Areas
01

Financial Inclusion

02

Gender

03

Climate

04

Agriculture

05

Clean Mobility

06

Infrastructure

Real-time action, for real-world results

Through strategic funding and dedicated support, we enable transformative initiatives that create lasting impact.

01

Gender- VIRAF

Vivriti India Retail Assets Fund (VIRAF): Launched in 2023, VIRAF is India’s first Asset-Backed-Securitization Fund aimed at deepening India’s securitization market by allowing offshore pools of capital to provide debt financing and mitigate investment risk by using a blended-finance approach. The 10-year fund with a size of USD 250 Mn, focuses on scaling investments in small ticket loans to micro and small enterprises, micro-finance institutions, and women entrepreneurs. The fund aims to improve penetration for last mile financing and address gender gaps in formal finance by earmarking a portion of the fund’s proceeds to women-MSEs and MFIs.

02

Agriculture

Vivriti’s diverse financial solutions are positively impacting the agri landscape in India, right from the farm to the table, and everything in between. Our Group-level disbursements towards agri till FY 24-25 were INR 37.89 Bn. We explore our impact in this sector through two portfolio partners, Cherise (India) Private Limited and Agrizzy (Bizcovery Private Limited).

03

Climate-Smart Agriculture

At the intersection of agriculture and climate resilience, Vivriti is driving environment-friendly progress in sustainable farming. Through initiatives such as the Pradhan Mantri KUSUM scheme, we are empowering thousands of farmers to adopt solar-powered irrigation solutions. By financing companies executing projects under this scheme, we are enabling increased farm productivity, reduced dependence on fossil fuels and grid electricity, and improved farmer incomes—creating real, last-mile impact across rural India.

Not Just Another Checkbox

We contribute to India’s continued growth through investments that are aligned to the UN SDGs and by actively measuring their efficacy in bringing about the envisioned transformation.

Impact SDG Alignment

VAM’s portfolio covers more than 20 sectors, each carrying both positive and negative impacts. To assess our net impact, we exclude the portion linked to negative impact and align the remaining portion with the UN SDGs, reflecting our commitment to transparency and accountability in how we measure and report impact.

As of July 2025