About Us

Lighting the lives of the low-income households..

Know MSM

MSM Microfinance Limited (MSM) is one of the fast growing non-banking financial companies (NBFC) incorporated in 1996 under Companies Act, 1956. MSM commenced its microfinance operations in January 2010 and caters to the financial needs of the people in India.MSM is one of the renowned NBFCs for its Ethical values, Transparency and Corporate Social Responsibility initiatives.

At MSM, we provide collateral-free microloans to the low-income people especially women from urban and semi urban areas. As per the Reserve Bank of India (RBI) guidelines, we sanction the loans to the borrowers for undertaking income generation activities. We are following both Self Help Group (SHG) and Joint Liability Group (JLG) lending models and we have adopted the Grameen lending model for hassle-free microfinance operation.We are committed to high ethical practices and codes of conduct as prescribed by the RBI guidelines pertaining to Microfinance lending. In 1998, we started our operation with an authorized and paid up share capital of Rs.25 lakhs. By the end of financial year 2011-2012, we have over Rs.5 crore in total paid up capital, free reserves and share application money.


MSM Microfinance Limited is one of the fast growing microfinance institutions in India, renowned for its high ethical standards. At MSM, we provide a friendly work environment where employees can enrich their abilities and skill levels.


Executive Vice Chairman

Muthukumar has extensive experience in all financial products, particularly in industrial and mortgage loans. Muthukumar graduated from PSG College of Technology [...]




Mr.Mohan Kumar Subramanyam,
Chairman & Managing director

Mohan is the CEO of Kumaran Systems. He played a strategic role in transforming Kumaran into one of the world's leading application migration software services companies. [...]




Dr.Chinnia Subramanian,

Subramanian is a professional engineer working as the R&D Director in a private company in Canada. [...]





Dr. R.Balakrishnan retired as Executive Director of NABARD with major contributions in the fields of microfinance, watershed development, [...]




Mr.Sushant K Choudhury
Independent director

Mr. Sushant K Choudhury is Independent director, Post graduate in commerce & Masters in Business administration with over 2 decades of experience as a Senior Management Member Financial Sector & IT Industry( MastekGroup of companies). [...]




Ms.Vijayalakshmi Das,
Independent Director

Ms. Vijayalakshmi Das is Independent Director, Promoter & Managing Director for Ananya Finance for Inclusive Growth Pvt. Ltd. CEO-FWWB; Trustee-Indian School of Micro Finance for Women, [...]



Profile of the Management Team

Mr. Mohan Kumar Subramanyam
is the Chairman and also on the Board of Directors. He is responsible for overseeing the operations of MSM.


Mr. MuthuMuthukumar
is the Managing Director and on the Board of Directors. He is Responsible for Internal Audit and Corporate Legal Compliance.


Mr.P.S.V. Vasanth
is the Senior Vice President of Operations. He has an MBA in System Analysis. He has more than a decade of experience in Sales, Marketing and Operations. As a Certified ISO 9001:2005 (QMS Standard) Auditor, he led Kumaran Systems, his previous employer to CMMI Maturity level 3 in 2009 and in 2012 and played the role of ISM and implemented ISO 27001:2005 in 2012.


Mr. Premkumar V
is the Regional Head for South India. He has an MBA in Marketing from PSG Institute of Management. He is an expert in Strategic Planning, Sales, NPA Management, Team Management and Customer relationship management. He previously worked in JanalakshmiFinancial Services where he handled all core banking products.


Mr. Sudhakar S
is the Finance Head, he has an M.com graduate with overall 16 plus years of experience in Finance Field, previously worked has finance manager in Reliance.


Mr. Pravin R
is the Human Resource In-charge, he has an MBA- Human Resource with over 3 plus year of experience in Human resource department, previously worked has Executive HR in Intelenet Global service.


Our Values




Our Mission

Help clients to realize their genuine dreams with financial support from MSM, Operating within RBI guidelines, maximizing shareholder value & growth rate.

Our Vision

Achieve Rs 500 Crore Loan Outstanding by the end of FY 2020

Our Alliances

  • SRO Guidance
  • Business Outsource Partner
  • Insurance Partner
  • Banking Partner
  • NBFC Partner
  • Credit Bureau Partner

What Our Beneficiary says...

pictureYou have played a great role in my life and my family!Thank you so much!
Sumitra, Cattle Rearer, Erode