Mr. Stephen Francis Xavier

Managing Director

Stephen Francis Xavier, co-founder of PAT Group of Institutions, has a strong societal orientation and the rare combination of commerce, philosophy and theology for his academic foundation. This laid the bedrock of the PAT trust which he formed along with his colleague late Mr Hirudayasami.Mr Stephen brings along with him a vast and varied experience in administration and finance to PAT. His social underpinnings come from his exposure to community-oriented projects like, education of the poor and programs for women empowerment.  ‘Terre Des Home”, a Dutch organization, trained him for children development programs.At the helm of PAT for the past 20 years, he, along with his colleagues, has effectively planned and executed Community Development Programs and later Microfinance Services. Their relentless striving has turned PAT's successful livelihood programs viable and sustainable.He received  formal training in MFI governance, Financial Management, Internal Audit and Controls, Microfinance Literacy, Micro enterprises development, Accounting and Auditing standards in addition to his long experience in various fields is PAFTs asset to count on in its growth.

Mr. R. Sathyanathan


A qualified engineer and a builder, Sathyanathan is involved in imparting educational services to the rural youth.  He has a clear vision about his goals, effective strategy for its implementation. He enjoys an incredibly vast network of professionals, social workers and educators across the country. He holds an impressive record of having put up many buildings in Tamil Nadu. He is a natural philanthropist committed to social action and involvement with the community. Driven by this passion he has ventured into the field of setting up educational infrastructure in rural areas so that the young people there may be equipped for life. Sathyanathan’s social inclination and acumen will support PAFT to attain its goals both socially and economically besides helping the organization to be in focus as the organization drives its agenda of the financial inclusion of the under privileged.

Mr. Joel Mecir Roy. S


A young professional with an engineering degree from a reputed institution and  six years of experience in technical team of Vedanta Group. Within a short span of time he was promoted for heading the Asset optimization and technical team of VEDANTA-IOK unit. In addition, he was awarded as the “star of business” among the top performers of the unit.He was instrumental in the MIS revamp, operational excellence and standardizing the organizational practices.His association with PAFT will be enabling the systems for MIS and data analysis to ensure effective risk and delinquency management, performance review and productivity improvement of the resources.

Mrs. Anne Jose Patricia


A postgraduate in science, Anne joined the PAT trust as an officer. Due to her flair for financial management, she worked her way up and currently heads the finance wing of PAT. She is a trustee of PAT trust and inducted in PAFT board to oversee financial management of the company. During her career with PAT, she has undergone intensive training in Microfinance and community services through various seminars and workshops conducted by various Indian Institutions. Her training in MFI governance, Financial Management, Internal Audit and Controls, Accounting and Auditing standards will help steer the organization to sustainability.

Mr. Regis


A businessman by profession, Regis is actively involved experience in social services. He possess keen acumen for business, acquired through his successful personal business infrastructure. He is a pillar of strength to PAT group in implementing various social program. He has joined PAFT finance to contribute on the social side of Microfinance operations. Regis is the son of the co-founder of PAT late Mr Hirudayasami.

Mr. G. Milroy Paul

Mr. G. Milroy Paul is banker by profession, he was associated with IOB for 30 years in various capacities. A specialist in Agriculture and Rural banking, he was the head of the Priority Sector department at IOB Corporate office and later, the Faculty in Charge of the Rural Banking Training Centre. He has also headed the HR and Staff departments, Audit, Inspection and vigilance departments of the Bank’s Regional offices.  He was a Board of Director of the Dhenkanal Gramya Bank in Odisha for a term. He also has over 10 years of experience in the Microfinance sector and worked as a senior Management staff of Friends of the Women’s World Banking India (FWWB). He was associated with Habitat for Humanity, India as Head of Housing Microfinance for a term. He is also a ‘Certified Microfinance Training of Trainer’, offered by the Asian Development Bank Institute (ADBI) and the World Bank. Paul’s varied experience will benefit PAFT in its organizational appraisal and streamlining of its institutional capabilities as well as enhancing its capacities. He will contribute to the Company’s growth in governance and strategic planning as Independent Director.