Village Financial Services Ltd. (VFS) began its journey in microfinance operations in 2006, and is today recognized as one of the oldest and the most reputed microfinance institutions of Eastern India. Expanding services and operations to ten states in India, VFS has carved a rare distinction of being the first microfinance company in Eastern India to be registered as NBFC-MFI under section 45-IA of the Reserve Bank of India. It is also the first ISO certified microfinance company in India.


  • States
  • Districts
  • Branch Offices
  • Loan Outstanding
  • Customers
  • West Bengal
  • Bihar
  • Jharkhand
  • Assam
  • Tripura
  • Sikkim
  • Odisha
  • Uttarakhand
  • Madhya Pradesh
  • Chhattisgarh
  • Meghalaya


In the age of rapidly shifting technology and market requirements, we need also to evolve dynamically both in terms of technology and products. Failing to sense the changes in the structure of demand on the ground and responding to such a change leaves our customers underserved. Realising this we looked at the growth cycle of individual members of joint liability groups. This search led us to interesting results.

We realised that our customers use their homes as their basic production centres. For any entrepreneur, keeping their production centres or office space upgraded is a necessary condition for maintaining efficiency and productivity. Therefore our customers who depend on finance from us as the primary access to fund would also require a source of loans for maintaining their workplace. This requirement cannot be served through Briddhi or Sri Briddhi as the products are for Joint Liability Groups (JLG).There was also another reason for not including in the JLG segment. There was every possibility of a group refusing the onus of a member’s need for housing loan.


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Employee Speak


Operation Executive (OEX)
Department : Operations
Location(s) : West Bengal, Assam, Bihar, Jharkhand, Orissa, Uttarakhand, Sikkim, Tripura
Position Summary : Operation Executive is responsible in assisting the Branch Manager in all respects in terms of internal as well as external operational issues.
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Branch Manager-Operations
Department : Operations
Location(s) : West Bengal, Assam, Bihar, Jharkhand, Orissa, Uttarakhand, Sikkim, Tripura
Position Summary : Branch Manager-Operations is responsible for the managing the entire microfinance operations of the assigned branch, keeping the overall business objective in mind.
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Sr. Executive/ Executive Training
Department : Human Resource
Position Summary : Sr. Executive/ Executive Training is responsible to ensure that the training needs of the employees are met through the proper planning and implementation of trainings from time to time.
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Position: Manager/Assistant Manager-Internal Audit
Department : Internal Audit
Position Summary : The Manager/Assistant Manager would implement overall compliance of processes at branch level thereby minimizing error and business risk.
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