Who We Are

Velicham, meaning ‘light’, is a Non-Banking Financial Company (NBFC) set alight to brighten the lives of the rural communities by providing sustainable financial services and products, with a target group of women entrepreneurs, agriculturists, artisans, self-employed labourers, and traders. We focus on reaching out to the unbanked sections of the society, leveraging their lives and growing together with them. Velicham achieves this through small and medium lending, bringing innovative financial schemes -channeled through products that are designed for subsistence living. With the mission to offer constant support through our diversified products on a commercially viable basis, we need your positive support to nurture and set our nationwide footprint towards the benefit of the poorer communities.

The genesis of Velicham was through Bharathi Women’s Development Centre (BWDC) www.bharathiwomen.org, an NGO engaged in multifarious social and development activities for the past 32 years. BWDC was established in December 1987 as a Society by Nagarajan who is the Managing Director of Velicham Finance Private Limited. BWDC Micro Finance Program (MFP) has been closely collaborating with the State and Central Government, Banks and other Foreign Funding Agencies. The organization has a strong network of over 37,000+ members with a 27 Cr. portfolio outstanding. BWDC is working at the grass-root level at various districts of Tamil Nadu & Pondicherry. It has positively impacted lives of over thousands of marginalized populations through different channels in the past 32 years.

The current promotion of the company is operated under the guidance of Bharathi Women Development Center, Having rich experience in capacity building, project formulation, design and implementation, monitoring and evaluation, participatory planning and financial review, the company is en route to continue its remarkable work through Velicham. Moreover, the parent organization has impeccable domain specialization in sectors like agriculture, education, health, disability, livelihoods, disaster response and mitigation, policy advocacy, micro-financing, etc. With the strength and experience through their service along with the CEO’s pivotal contributory role through his meticulous finance planning, wide social contacts built over the years and astute business acumen, Velicham is striding towards palpable growth and success.


Continuous support and service through diversified products


Economic self sufficiency of rural & poor families

What We Do

Driven by a noble and long-term motto of uplifting the rural poor and their status, the company has shifted from its activity of hire purchase financing to small and medium financing to agriculturists, artisans, self-employed labourers, traders, and women entrepreneurs mostly based in rural areas. Due to a majority of these sections having less access to formal financial services, we have planned and are rigorously working towards extending need-based small and medium credit facilities on a massive scale.

Along with a trained human resource of 150 staff members, spreading over 11  branches in Tamilnadu and Pondicherry Velicham has bought a remarkable change in the lives of 36000+ clients so far. The significant growth in a short span was only possible due to the organization’s high proficiency, by maintaining dignity, conviction and transparency with all its customers

Velicham is moving towards its mission of continuing its support through diversified products through its income-generating loans. Understanding the ground reality has brought out innovative customized products to address the various needs of the rural poor. Through these financial inclusion services and products Velicham endeavours to bring a positive change in the lives of many in the coming years.

Our Strengths

  • The Rich expertise of the CEO.
  • A well-experienced team of 150 working professionals.
  • Maintaining fair Code of Conducts and Ethics at all level of operation.
  • Continuously maintaining “0” Percent Risk in Portfolio.
  • Well-prepared client through Bharathi Women Development Centre and trustful longstanding client relationship.
  • Resource support through clients, infrastructure and background profile of BWDC.
  • Unique strategies in Operation & Methodology.
  • Sound Technical application and Control mechanism.
  • Involving and lending for Social Performance like Water & Sanitation, Livelihood Promotion Etc…
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