Origo Finance

Origo Finance Private Limited operates as a non-deposit-taking non-banking financial company (NBFC) in India, strategically positioned to address the financial needs of the agricultural and Micro, Small, and Medium Enterprise (MSME) sectors. Incorporated in April 2016 as a subsidiary of Origo Commodities India Pvt. Ltd., the firm received its NBFC license from the Reserve Bank of India in June 2017. This venture was a calculated move by its parent company to create an end-to-end service provider for the rural economy.

The company was founded by Mayank Dhanuka and Sunoor Kaul, who also co-founded the parent entity, Origo Commodities. Their backgrounds are deeply rooted in finance and investment banking. Kaul has extensive experience in operations and finance with global corporations like General Electric and Bank of America. Dhanuka's expertise lies in finance, business development, investment banking, and private equity, with a history at firms such as Credit Suisse and Lehman Brothers. Both are alumni of IIT Delhi, with Kaul holding an MBA from the University of Michigan's Ross School of Business and Dhanuka an MBA from Columbia University's Graduate School of Business. Their combined experience is a driving force behind Origo's strategy to bridge critical gaps in India's agricultural supply chain.

Origo Finance's primary business involves providing structured loan products to participants within the agri and MSME ecosystems who have limited access to formal credit channels. Its clientele includes farmers, traders, processors, and other rural enterprises. The business model centers on offering customized, risk-based financial products with flexible repayment options, thereby catering to the specific and often unpredictable cash flows of the agricultural sector. Key offerings include warehouse receipt finance, procurement finance, and business loans for MSMEs. By leveraging a "touch and feel" approach with doorstep services and minimized documentation, the company aims for quicker transaction times and greater accessibility for its underserved target market. The company operates through a network of branches across several Indian states, including Andhra Pradesh, Telangana, Maharashtra, and Karnataka.

Keywords: agricultural finance, rural NBFC, MSME lending, supply chain finance, procurement finance, warehouse receipt finance, Indian agriculture, fintech, structured credit, rural enterprises, Mayank Dhanuka, Sunoor Kaul, Origo Commodities, financial inclusion, agri-business loans, small business loans, debt financing, post-harvest finance, commodity finance, rural credit