Finance that starts with the farm
Dhanrise Finance lends to the people who keep rural India moving: farmers, contractors and rural entrepreneurs. We help them own a quality used tractor, commercial vehicle or construction vehicle, on terms they can read, understand and repay from the income it earns.
Who we are
Dhanrise Finance Private Limited is a Non-Banking Financial Company registered with the Reserve Bank of India in August 2026, in the Investment and Credit Company (NBFC-ICC) category. We are a non-deposit-taking company in the Base Layer, which means we do not accept public deposits.
For a farming family, a tractor is not a purchase. It is the difference between hiring machines at someone else's convenience and working the land on your own schedule, between one income and two when the tractor is hired out between seasons.
Our Used Tractor Loan finances up to 95% of the value of a used tractor, for 12 to 84 months. Repayments can be monthly, quarterly or half-yearly, so they follow the harvest instead of fighting it. We also finance used commercial vehicles and used construction vehicles for transporters and contractors.
We assess each loan on the cash flow of the farm or business, not on paperwork alone. And before anyone signs, we explain the interest rate, the APR and every charge in a Key Fact Statement, in a language the customer understands.
To be the trusted financial partner enabling the growth of emerging India.
To expand access to finance while delivering superior customer experience, credit quality and sustainable growth.
Our core values
Five values guide how we work with customers, partners and each other.
Integrity
Honesty, truthfulness and accuracy in every action. We hold ourselves to strong ethical principles and do the right thing, always.
Dignity
We value and respect every individual for who they are, their beliefs and how they live, and treat every customer and colleague with the respect we expect for ourselves.
Ownership
We take initiative and responsibility without waiting for others to act, and stand accountable for work that is of the highest quality and delivered on time.
Meritocracy
Our people are chosen and promoted on demonstrated ability and performance, in a fair and transparent system that rewards hard work and talent.
Every rupee counts
Financial prudence means spending with intention, not spending the least. We focus on long-term efficiency and value for money, so we can grow sustainably.
Local trust, digital speed
We combine people on the ground with digital tools, so you get the reassurance of meeting us in person and the speed of a modern lender.
In person
Each store has an inspection bay, a sales floor and a loan desk, so you can choose a tractor and apply for finance in one visit.
Our officers complete KYC, verify land records and inspect the tractor at your farm, so you don't have to travel.
Tractors are inspected and refurbished by technicians before they are financed, so you get a better machine for your money.
The warranty desk at our stores is also where you can get help with your loan and make payments.
Digital
We use alternate data alongside your credit history, so customers with informal or seasonal incomes can be assessed quickly and fairly.
Land records, credit bureau checks and bank statements (through Account Aggregator, with your consent) are verified digitally.
Complete your identity verification on a video call, without visiting a branch.
Get application status updates and share documents on WhatsApp, the channel you already use every day.
Your loan, from start to finish
One team stays with you through every stage of your loan.
- 1EnquiryYou tell us about the tractor you need
- 2InspectionWe inspect the tractor's condition
- 3ValuationWe confirm its fair market value
- 4Credit checkWe assess your farm or business income
- 5SanctionYou get a sanction letter and Key Fact Statement
- 6DisbursalFunds are paid only into a bank account
- 7ServicingStatements, help and payment reminders
- 8ClosureOriginal documents back within 30 days
Leadership and governance
Our Board approves the policies that govern how we lend, price and recover, including the Fair Practices Code and the Interest Rate Policy. You can read them all on our Policies page.
Leadership
Mr. Anjaneya Prasad PrabhalaChief Executive OfficerA seasoned banker with over two decades in farm equipment and rural finance, Anjaneya leads Dhanrise Finance’s business and operations. He launched and led the Farm Equipment Finance business at HDFC Bank, began his career at ICICI Bank, and held senior roles at TVS Credit Services. He is a MANIT Bhopal engineer, an IIM Calcutta executive programme alumnus and a CAIIB.
Board of Directors
Mr. Vivek Krishna SinhaIndependent DirectorA development finance professional with over 37 years of experience, Vivek retired from NABARD as Chief General Manager heading the Department of Refinance, its largest business vertical. His expertise spans development and climate finance, microfinance and credit appraisal. He has served on the boards of MCX and several regional rural banks, and holds an MBA from FMS, Delhi.
Mr. Niraj Kumar VermaDirectorA development banker with over 25 years in agriculture and rural credit, Niraj spent more than two decades at NABARD, rising to Chief General Manager. He has served as Managing Director of NABKISAN Finance and NABCONS, and chaired the Audit Committee of NABFINS. He holds an MBA in Banking & Finance and is a CAIIB.
Mr. Rajat KumarDirectorAn entrepreneur with over a decade in the tractor and farm equipment ecosystem, Rajat brings strong relationships across dealerships, OEMs and lenders. Raised in a family of tractor dealers, he managed a Mahindra dealership in Rajasthan before co-founding Farmjunction Marketing, where he leads strategy, investor relations and partnerships. He holds a B.Tech. from Amity University.
Mr. Animesh AgarwalDirectorAnimesh brings experience across farm equipment, automotive and consulting, with strengths in procurement, partnerships and scaling operations. He has worked with Deloitte and Mahindra Farm Equipment, and later headed PAN India B2B Procurement as Director at Cars24. He is Co-Founder and Director of Farmjunction Marketing and holds a B.Tech. from DA-IICT.
Mrs. Shivani GuptaDirectorShivani combines technology expertise with a ground-level understanding of rural trade, having grown up in a commodities trading family in rural Rajasthan. As Co-Founder and Director of Farmjunction Marketing, she oversees brand, marketing, technology, CRM and content. She holds a Master of Computer Applications (MCA).
Registration details
- Company
- Dhanrise Finance Private Limited
- Month of grant of RBI registration
- August 2026
- NBFC category
- NBFC-ICC (Investment and Credit Company)Non-Deposit Taking · Base Layer
- Corporate Identity Number (CIN)
- U64990UW2026PTC249231
- Registered office
- 4th Floor, Plot No. A-23, Sector-9, Noida, Gautam Buddha Nagar, Uttar Pradesh 201301Phone 9257011357 · Email Customer.Support@dhanrise.in · Contact person Nivedita Pathak
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