Partnering for Progress

About Us

Established by professionals and financial experts with over 25 years of experience, Ruloans Distribution is a prominent player in the BFSI space that serves over 3000 cities nationwide. Having tie-ups with more than 200 banks & NBFCs, the company has a stellar reputation for fulfilling the financial needs of more than 10 lakh customers. Ruloans has facilitated the disbursement of loans totalling over ₹75,000 crores. Leveraging this extensive experience and expertise, we pride ourselves on our deep knowledge and understanding of Health Care Finance, Supply Chain Finance, and MSME business needs & hence progressed into the new domain of starting an NBFC division, Ruloans Financial Services Private Limited (RFSPL).

RFSPL is an RBI-registered NBFC, licensed to operate as a non-banking financial company since March 4, 2020. RFSPL is reshaping the financial landscape with innovative solutions that empower businesses and individuals to thrive. Our transition into the NBFC business after decades of dedicated service in the financial sector reflects our commitment to evolution and innovation. At RFSPL, our core objective is to provide customers with a seamless borrowing experience. Specializing in customized loan products tailored to expand operations, increase revenue, and enhance business margins for MSMEs, we focus on areas such as Healthcare Financing, Unsecured Loans and Supply Chain Financing business.

At RFSPL, we are dedicated to transforming the financial landscape by providing innovative solutions that empower businesses and individuals to thrive. As a leading Non-Banking Financial Company, we are committed to driving economic growth, fostering financial inclusion, and delivering exceptional value to our clients. We intend to leverage partner relationships and strong processes to build a sustainable enterprise, fostering a culture of innovation, agility, and adaptability to the ever-changing lending environment. We're on a mission to transform how people perceive and interact with finances. We strive to be pioneers in offering forward-thinking solutions that not only meet but also exceed our clients' evolving needs.



helthcare finance
Healthcare Finance

Accessible healthcare is paramount, and we're here to support healthcare providers and patients alike with financing options designed to make quality healthcare more attainable.

Personal (Unsecured) Finance

Whether you are a salaried employee or a self-employed individual, we offer flexible and competitive personal finance solutions to help you achieve your financial goals.

Supply Chain Finance

Our Supply Chain Finance solutions empower businesses to optimize their cash flow, streamline operations, and cultivate relationships with suppliers and distributors.

What Sets Us Apart

Comprehensive Financial Solutions

We go beyond the ordinary and offer a comprehensive suite of financial solutions. From personal finance to specialized healthcare and supply chain finance options, we cater to diverse needs. Our holistic approach ensures each client receives customized support, propelling them towards achieving their financial goals.

Industry Expertise

Our seasoned team boasts extensive experience and brings deep industry knowledge and insight to every partnership. We understand the opportunities and complexities specific to various sectors, allowing us to craft bespoke solutions to deliver measurable results.

Customer-Centric Approach

Our clients are at the heart of everything we do. We dedicate ourselves to building solid and lasting relationships based on a foundation of trust, transparency, and mutual respect. In collaboration with our esteemed partners, our team meticulously assesses your unique needs to provide tailored financial solutions that surpass expectations.

Our Partnership

We recognize the transformative power of collaboration. We leverage collective expertise and resources by forging strategic partnerships with leading institutions, technology providers, and industry experts. This collaborative approach enables us to deliver high-value solutions that exceed our clients' expectations.

Built on a foundation of integrity, professionalism, and a relentless drive to innovate, RFSPL has established itself as a trusted provider of financial services. Our journey began with a transformative vision: to reshape the economic landscape and empower businesses and individuals within the communities we serve.

Today, these values remain at the core of everything we do. We are committed to surpassing the expectations of our clients and stakeholders and fostering a culture of excellence that delivers exceptional results.

Our Core Values

  • Integrity : We hold ourselves to the highest ethical standards and operate with transparency, honesty, and accountability in all we do.
  • Excellence : We relentlessly pursue excellence, delivering best-in-class financial solutions through exceptional service and innovative products.
  • Innovation : We embrace a culture of continuous improvement and leverage technology to develop dynamic solutions that meet evolving client needs.
  • Collaboration :: We foster strong relationships with clients, partners, and employees to achieve mutual success through collaboration.

Our Vision

To be a trusted partner in financial empowerment for individuals and businesses alike.

Our Mission

At RFSPL, our mission is to empower businesses and individuals by offering innovative financial solutions tailored to their specific requirements.

We strive to foster financial inclusion and drive economic growth through our commitment to excellence and integrity. Through a commitment to integrity, transparency, and excellence, we aim to:

  • We offer diverse financial products and services meticulously tailored to your unique goals.
  • We extend a helping hand to underserved communities, providing them with the tools and resources to achieve financial success.
  • Cultivate enduring relationships built on trust, reliability, and integrity at the core of who we are.
  • Drive innovation in the financial sector through the adoption of cutting-edge technologies and practices.
  • We are committed to promoting sustainable growth and contributing positively to the socio economic well-being of the communities we serve.

Meet Our Team

Meet Our Founder

Mr Kaushik Mehta, the visionary behind RFSPL, is a seasoned financial expert with over 30 years of experience in finance and entrepreneurship. With a passion for innovation and a drive to make a positive impact in the industry, Mr. Mehta has played a pivotal role in shaping the direction and success of our organization. His commitment to excellence, integrity, and customer-centricity has been the driving force behind RFSPL's growth from its humble beginnings to a trusted partner for businesses and individuals seeking reliable financial solutions.

Driven by a vision to revolutionize the financial landscape, Mr. Kaushik Mehta founded RFSPL with a focus on excellence, integrity, and customer satisfaction. Under his leadership, the company has thrived, offering cutting-edge financial products and services that meet the evolving needs of clients. Mr. Mehta's unwavering commitment to excellence and innovation ensures that RFSPL continues to push boundaries and provide opportunities for financial stability and success to all.

Meet Our Senior Management Team

Ashish Runwal

Chief Executive Officer - CEO

As our CEO, Ashish sets the strategic direction for our organization, inspiring our team to excel and innovate under his guidance. He fosters a culture of excellence and collaboration, driving our success through clarity and determination. In a rapidly evolving financial landscape, Ashish leads us in embracing change and driving innovation, spearheading initiatives to explore new markets, develop cutting-edge products, and leverage technology to stay ahead of the curve.

With a deep understanding of the intricacies of the financial landscape, Ashish has played a pivotal role in shaping RFSPL's strategic direction. His unique blend of innovation and insight drives value creation and positions us as a leader in the NBFC sector. With a proven track record of leadership and strategic acumen, Ashish is responsible for setting the overall direction and guiding the company towards sustainable growth and success.

Ashish Runwal

Ashwani Manaktala

Chief Risk Officer- CRO

With over 20 years of experience in risk management and financial expertise, Ashwani brings a wealth of experience to RFSPL. His unwavering commitment to identifying, assessing, and mitigating risks ensures the integrity and resilience of our organization. As our CRO, Ashwani plays a pivotal role in developing and implementing robust risk management strategies tailored to the unique challenges of the financial industry. He ensures full compliance with regulatory requirements and industry best practices, working closely with senior management and stakeholders to identify key risks, assess their potential impact, and develop mitigation plans.

Ashwani fosters a culture of risk-awareness and accountability throughout our organization, providing guidance and training to enhance understanding of risk management principles. Encouraging proactive risk identification and mitigation at all levels, Ashwani's leadership ensures the protection of our interests and the continued success of RFSPL.

Ashwini Manaktala

Archana Rajput

Legal & Compliance - Manager

Archana brings invaluable expertise to our organization with a wealth of experience in corporate governance, legal compliance, and regulatory affairs. Ensuring ethical and transparent operations, she plays a pivotal role in upholding compliance with all applicable laws and regulations. As our Company Secretary, Archana upholds the highest standards of corporate governance, diligently overseeing the effectiveness of our board of directors and ensuring proper decision-making procedures.

Responsible for monitoring changes in legislation, regulations, and industry best practices, Archana ensures RFSPL's ongoing compliance. Collaborating closely with regulatory authorities, auditors, and legal counsel, she addresses compliance issues and effectively mitigates risks. Archana's dedication ensures that our operations are conducted ethically and transparently, safeguarding the integrity of our organization.

Archana Rajput

Sunil Sachdeva

Head Operations

Sunil's proven track record of optimizing operational efficiency and driving organizational effectiveness brings a wealth of experience to RFSPL. Dedicated to implementing best practices and innovative solutions, he ensures seamless operations across all facets of our business. As our Head of Operations, Sunil oversees the day-to-day functioning of our organization with precision and expertise, responsible for managing resources, optimizing processes, and implementing strategies to enhance operational efficiency and reduce costs.

Committed to continuous improvement and innovation, Sunil leads initiatives to identify bottlenecks, streamline workflows, and leverage technology to automate routine tasks. His leadership frees up resources for strategic endeavors, ensuring that RFSPL remains agile and competitive in the dynamic financial landscape.

Sunil Sachdeva

Mihir Atha

AVP - Human Resources

A seasoned professional boasting over 14 years of diverse experience spanning Human Resources and Finance. Holding dual MBAs in both HR and Finance, he brings a wealth of knowledge and a multifaceted skill set to the table. As a strategic HR partner, he collaborates closely with business teams and management to drive organizational success. His expertise lies in aligning HR strategies with business objectives, fostering collaboration, and fueling growth.

He is deeply committed to instigating positive organizational transformations and diligently works towards assisting entities in realizing their strategic imperatives. His amalgamation of profound experience, advanced education, and acute strategic insight renders him an invaluable asset to our enterprise seeking to fortify HR operations and drive performance excellence.

Mihir Atha