How she is transforming Financial Inclsuion of India's MSMES. Ft. Hardika Shah

Radically Yours by Radhika

In our latest episode of 'Wiping out the Norm', show host Radhika Bajoria sits down with Hardika Shah, Founder & CEO of Kinara Capital, a trailblazer in MSME fintech driving financial inclusion for small business entrepreneurs in India.
Kinara Capital is ranked among 'Top High-Growth Companies in Asia-Pacific' by The Financial Times and as 'India's Growth Champions' by The Economic Times. They've won the Gold award as 'Bank of the Year-Asia' by the IFC/SME Finance Forum for their impact on SME Financing.
Prior to Kinara Capital, Hardika spent two decades as a management consultant with Accenture, working on billion-dollar projects globally. Her passion for social impact led her to mentorship roles with prestigious institutions like Stanford University and the Acumen Fund.
"I saw the divide happening in India... I wanted to study what and why was that case and what and why was the things not reaching to a certain people." Hardika shares her journey and mission, highlighting her MBA from Columbia Business School & Haas School of Business.
Founded in 2011, Kinara Capital fills the MSME credit gap with collateral-free business loans, using AI/ML for fast decisions. The myKinara App offers a 1-minute eligibility check and 24-hour loan process.
Committed to gender parity, Hardika leads with a women-majority team and drives inclusivity in company culture. The HerVikas program supports women entrepreneurs, while CSR initiatives aid women micro-entrepreneurs.
Kinara Capital has disbursed $300M+ to 40,000+ entrepreneurs, creating 250,000+ jobs and generating $100M+ in income. Based in Bangalore, they serve MSMEs in 100+ cities across India.
Under Hardika’s vision, Kinara Capital is recognized for innovation, ranked among ‘Top 500 High-Growth Companies in Asia-Pacific’ by the Financial Times for three consecutive years (2020, 2021, 2022).

Watch the full episode to dive into Hardika's inspiring journey and Kinara Capital's impactful mission!
Link-https://youtu.be/ZgbvziGaC-A