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About Mudra Junction

Your trusted financial partner for Business Loans, Home Loans, and Personal Financial Solutions

Welcome to Mudra Junction

Making finance simple, transparent, and accessible for everyone.

At Mudra Junction, we recognize that every aspiration—be it launching a new business, expanding operations, or purchasing your dream home—requires the right financial support. That's why we offer fast loan approvals, flexible repayment options, and customized financial solutions tailored to your specific needs.

600+
Happy Customers
11
Branches
₹100 Cr
AUM Managed

RBI Registered NBFC

Registration Details

Certificate No. B-12.00294

Mudra Junction has acquired a Non-Banking Financial Company (NBFC — Non-Deposit Taking) named Raghubar Automobile & General Finance Company Pvt. Ltd., registered under Section 45-IA of the Reserve Bank of India Act, 1934, and holding Registration No. B-12.00294, dated March 29, 2001.

RBI Compliant Transparent

Mission, Vision & Values

Our Mission

At Mudra Junction, our mission is to simplify financial access by delivering tailored loan solutions with integrity, efficiency, and transparency. We strive to empower individuals and businesses through responsible financing, foster long-term relationships built on trust, leverage technology for hassle-free services, and contribute to financial inclusion by extending support to underserved segments of society.

Our Vision

To become a leading and trusted financial institution that empowers individuals and businesses to achieve their goals through innovative, transparent, and customer-centric financial solutions. We envision a future where access to finance is seamless, responsible, and inclusive — helping every customer turn aspiration into achievements.

Core Values

Integrity

Upholding honesty, transparency, and ethical practices

Customer-Centricity

Our customers are at the heart of everything we do

Innovation

Embracing technology to create efficient solutions

Our Journey Timeline

From inception to becoming a trusted financial partner

May 2021 – April 2023

Foundational Years

Started as a Corporate DSA for leading Fintech firms and NBFCs. Established presence across Uttar Pradesh with Personal Loans, Business Loans, and Affordable Housing Loans.

₹9 Crore Business Corporate DSA UP Presence
May 2023 – March 2024

Expansion & Growth

Transitioned to Lending Service Provider (LSP) partnership with Arthmate. Expanded to 8 new branches and achieved ₹100 Crore AUM in Unsecured Business Loans.

₹100 Cr AUM 8 New Branches LSP Model
April 2024 – Present

Diversification & Strategic Growth

Expanded partnerships as Business Correspondent with Pinkcity, Samunnati, and DMI Housing Finance. Grew to 11 branches and acquired NBFC - Raghubar Automobile & General Finance Company Pvt. Ltd.

11 Branches NBFC Acquisition Multi-Partner
2025 & Beyond

Future Forward

Building an AI-powered NBFC with focus on Secured Loans, Balance Transfer, and Unsecured Business Loans. Integrating advanced analytics for better decision-making and customer experience.

AI Integration Digital Transformation Sustainable Growth
600+
Happy Customers
₹55.57 Cr
Total AUM
11
Branches
1
State Presence

Disbursement Report

₹120 Cr
Total Amount Disbursed
1000+
Total Disbursements

Successfully serving MSMEs, entrepreneurs, and individuals across Uttar Pradesh with transparent financial solutions.

Women Empowerment

75 Districts
Women Entrepreneurs Reached Across UP

Special focus on empowering women entrepreneurs with accessible financial solutions and dedicated support programs.

Mr. Vijay Kumar Mishra
Mr. Vijay Kumar Mishra

Managing Director

Director's Message

Welcome to Mudra Junction

At Mudra Junction, we believe that inclusive finance is the foundation of inclusive growth.

Our journey began with a simple yet powerful idea — to empower underserved segments of society, especially MSME entrepreneurs, LAP & BT customers, and rural as well as urban communities, by providing them access to affordable, transparent, and timely financial solutions.

As the Managing Director, I take immense pride in leading an organization that truly puts people before profit. Every loan product we design and every process we develop is aimed at enabling self-reliance, dignity, and long-term value for our customers.

Mr. Vijay Kumar Mishra

Managing Director & CEO

Mudra Junction Private Limited

Corporate Governance

Committed to the highest standards of transparency and ethics

Corporate Governance Principles

We operate with full transparency in all our operations, ensuring that our financials, decisions, and actions are clearly communicated to stakeholders. Our governance structure ensures that we are accountable for our performance, both socially and financially.

Ethical Conduct

We uphold ethical conduct in every aspect of our business, from financial reporting to customer interactions. Our management team, directors, and employees adhere to a strict code of conduct that promotes integrity, fairness, and professionalism.

Compliance

We comply with all applicable laws and regulations set by regulatory authorities like the Reserve Bank of India (RBI), SEBI, and other relevant bodies. This compliance ensures transparent and responsible financial services.

Risk Management

We maintain a robust risk management framework that identifies, assesses, and mitigates risks across operations. We continuously monitor financial, operational, and strategic risks to ensure sustainable growth.