PAFT - Origin & Background

People’s Action for Transformation (PAT), a registered trust was established on 2nd May 1997 in Tiruchirappalli, with the prime objective of serving the society through implementation of welfare and development activities. In the year 2003, it has started its Micro Lending activities in central districts of Tamil Nadu.

The visionary and foresighted founders of PAT has envisage to carry out financial inclusion drive of PAT trust in a professional and rightful manner, and have acquired Indma Finance, which is reinstituted as PAFT Finance Limited in August 2016.

PAFT Finance Limited works with an integrated approach towards poverty alleviation, understanding that the challenges of poverty are multifaceted, and that a multifaceted and holistic approach is needed to overcome these challenges PAFT is aiming to contribute significantly in the economic empowerment of women folk so that they have a say in the matters pertaining to them and contribute to society development.


The chief promoter of the company is Mr. Stephen Francis Xavier by virtue of holding major shares of the company.
He also dons the role of Managing Director, managing its day-to-day activities efficiently with his acquired experience in social business, financial inclusion and microfinance management.
He duly receives support and professional guidance from a pool of experienced & qualified domain experts, who are inducted into the board both as promoter directors and independent directors.
The Promoter group directors are with several years of varied experience in social service and creating livelihood opportunities to the poor. 3 of them are from the Board of Trustees of People’s Action for Transformation, with years of experience in the MFI sector.

PAFT has raised the capital to Rs. 4.74crore as of March 2020 and it has already commenced the microfinance activities. With the capital of Rs. 2.01 Crore as of March 2017, PAFT is compliant with the relevant regulations of RBI that governs a NBFC Loan Company.

As a significant development during FY 2018-19 PAFT had signed an agreement with ESAF SFB to be its Business Correspondent to play the role of facilitator for Micro Lending of ESAF and had commenced lending activities on 2nd May 2018. As of 31st March 2020, PAFT is operating with 21 Branches spread across 12 districts of Tamil Nadu and Puducherry UT. The loan outstanding as of 31st March 2020 stands at Rs. 96.33 Crores.


NBFC Registered under ROC and RBI.
RoC CIN Number : U65191TN1993PLC024690
23 August, 2016,
RBI CoR Number : B-07.00581 26 September, 2016, RBI Regional Office - Chennai.
Details of PAN : AAACR3665B


constructionName of the NBFC : PAFT FINANCE LTD.

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    No. 3, A-Block, 1st Floor, St. Paul’s Complex, Bharathiyar Salai, Trichy - 620001.
    State : Tamil Nadu
    District : Tiruchirappalli
    Block : Tiruchirappalli Corporation Limit

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