or
Your form has been submitted successfully.
Our TVS Credit representative will get in touch with you shortly.
You will receive your credit score
report with in 72 hours on your email.
With a legacy of trust we draw from our 110-year-old TVS group, we strive to fulfil the aspirations of every Indian.
We wake up every morning to the mission that defines our purpose - to enrich the life of every Indian across the length and breadth of our nation.
As part of the $8.5 billion TVS Group, we have inherited a legacy of trust, value and service. With these values powering everything we do, we have a range of thoughtfully-designed financial products that help millions aspire and achieve more. Our presence spans the largest cities of urban India to the smallest villages of her rural heartland, bringing our products within easy reach of Indians belonging to various walks of life. We see ourselves as partners in our customers' aspirations, augmenting their ambitions with our expertise.
To be among the top 10 NBFCs in India by creating value for our customers, employees, and partners.
To empower Indians to dream bigger, secure in the knowledge that we are partners in the fulfillment of their aspirations.
We are a proud part of the over 100-year TVS Group, one of India's most respected entities, a leader in fields as diverse as Two Wheelers and Automotive Components, Logistics and Textiles, Housing, IT and Finance.
As one of the newest members of the Group, we’ve been fortunate to imbibe the best of the old and the new. We are guided by the enduring values of our founders, and at the same time take inspiration from the Group’s belief in constant innovation.
We have come a long way in our mission to enrich the lives of individuals from different walks of life. As we move from strength to strength, we find no goal too far.
2009-10
Obtained RBI license
2010-11
Crossed book size of INR 100 crore
2011-12
Crossed book size of INR 500 crore
2012-13
Crossed book size of INR 1,000 crore and commenced used cars and new tractor finance
2013-14
Crossed book size of INR 1,700 crore
2014-15
Crossed book size of INR 2,500 crore and commenced used tractor finance
2015-16
Crossed book size of INR 3,900 crore and tied up with SBI Pan India for PBBU
2016-17
Crossed book size of INR 5,000 crore and acquired 2 million customers
2017-2018
Commenced consumer durable loans. Launched used commercial vehicle loans and business loans
2018-2019
Launched new visual system inline with our brand promise
2019-20
Launched our new Brand Identity
2020-21
Crossed book size of INR 10000 crore and launched InstaCard
2009-10
2010-11
2011-12
2012-13
2013-14
2014-15
2015-16
2016-17
2017-2018
2018-2019
2019-20
2020-21
With a combined experience of over several decades across a wide range of industries, our board of six directors is a blend of experience and dynamism.
Mr. Venu Srinivasan is the grandson of Shri. T V Sundaram Iyengar who founded the TVS group in 1911. Though he came in as the grandson of the founder, Venu Srinivasan began his career as a simple mechanic; firm in the view that ground-up is the only way a person can fully understand the intricacies of any business. In 1979, armed with Engineering and MBA degrees from Purdue University, USA he took over as the CEO of Sundaram-Clayton and incorporated the TVS Motor Company based on his vision about what the Indian two wheeler industry would look like in the 21st century. Today, the group comprises of over thirty companies which employ more than 40,000 people worldwide and has a turnover which exceeds $5 billion. With steady growth, expansion and diversification, TVS commands a strong presence in manufacturing of two-wheelers, auto components and computer peripherals and in the distribution of heavy commercial vehicles, passenger cars, finance and insurance. The man credited with changing the face of the two-wheeler industry in India with the 1st joint venture and the introduction of new generation two wheelers into India, Mr Srinivasan has shown the nation how an Indian company can grow to be at par with the best in the world, and manufacture products that best-in-class by adopting the right work ethic and foster work culture that thrives on innovation and a commitment to excellence.
Mr. Balaji is the Managing Director of Lucas-TVS and Delphi-TVS Diesel Systems and associate companies with combined turnover of about Rs.2500 crores. He is also Director of several other companies in the TVS Group. An auto industry veteran, Mr. Balaji comes with the rich experience of over three decades. In his chequered career, he has served as the President of ACMA (Automotive Component Manufacturers Association of India), a Member of Development Council for Automobiles and Allied Industries and as Member of CII National Council. Prior to joining the TVS Group, he was with the Tata Administrative Service (TAS). He serves as an Independent Director on the Boards of Apollo Hospitals Enterprise Limited and Titan Industries Limited.
Mr. Sudarshan Venu is a graduate with Honors at the Jerome Fisher Program in Management and Technology at the University of Pennsylvania, U.S. He also pursued a Bachelor of Science Degree in Mechanical Engineering from the School of Engineering and Bachelor of Science in Economics, both from the Wharton School, University of Pennsylvania. He completed his Masters in International Technology Management from the Warwick Manufacturing Group, an academic department at the University of Warwick in the United Kingdom. While pursuing his Masters, he underwent hands-on training in Die Casting Division of Sundaram-Clayton Limited and in TVS Motor Company Limited. He is currently the Whole Time Director of TVS Motor Company Limited and Director in Sundaram Clayton Limited.
He started his career as a management trainee with the group in 1984. He has held various positions in Sundaram-Clayton Ltd from 1984 to 1995. Sundaram Clayton Brakes division won the Deming Application Prize and the Japan Quality Medal during his tenure. Mr. Radhakrishnan moved to TVS Motor Company in the year 2000 as head of business planning. He has been the CEO of the company since August 2008.
Mr. V. Srinivasa Rangan is an associate member of both the Institute of Chartered Accountants of India and the Institute of Cost and Works Accountants of India. Mr. Rangan is Executive Director at Housing Development Finance Corporation Limited (HDFC Ltd). Associated with the company since 1986, he was inducted onto the Board as Executive Director in January 2010. Mr. Rangan is also on the boards of several HDFC group companies: HDFC Developers Limited, HDFC Holdings Limited, HDFC Investments Limited, HDFC Trustee Company Limited, HDFC Venture Capital Limited, HDFC Property Ventures Limited, Credila Financial Services Pvt Ltd., HDFC Education & Development Services Private Limited. Apart from HDFC group of companies he is also on the boards of Atul Limited, IVF Advisors Private limited, Ruralshores Business Services Pvt Ltd., and Cholamandalam Investment and Finance Company Ltd.
Ms. Sasikala Varadhachari, a Post Graduate in Economics (Madras University) and a CAIIB. She is a certificate holder in Financial Markets and Journalism. She is a retired Chief General Manager of SBI. She is highly knowledgeable and qualified Banker with rich international experience. She has participated in Trade conferences and hosted several delegations from India and worked very closely with the Ambassador of India in Israel. She established and ran profitably the first ever Indian Commercial bank operation at Tel Aviv, Israel. Apart from TVS Credit, she is also on the Boards of TVS Motor Services Limited, Cholamandalam Securities Limited and Harita Seating Systems Limited.
Mr. B. Sriram is a Certificated Associate of the Indian Institute of Banking & Finance (formerly The Indian Institute of Bankers), Mumbai. He holds a Diploma in International Law & Diplomacy from the Indian Academy of International Law & Diplomacy, New Delhi and an AIMA Diploma in Management from the All India Management Association, New Delhi. He is an Honours Graduate and also holds a Master’s Degree in Physics from St Stephen's College, Delhi University. In his distinguished career he has held various executive positions such as Managing Director & CEO of IDBI Bank, Managing Director of State Bank of India from July 2014 to June 2018. He joined State Bank of India as a Probationary Officer in December 1981 and has held various key assignments within the Bank and the Group in Credit and Risk, Retail, Operations, IT, Treasury, Investment Banking and International Operations. He is currently on the board of ICICI Bank as an Independent Director and also as a member/ Chairman of various committees of the bank. He is also a nominee Director of Unitech Limited.
Mr R Gopalan, is presently, since April 2013, serving as Member, Public Enterprises Selection Board (PESB) under the control of the PM. Prior to his appointment in PESB, he served as Secretary, Department of Economic Affairs, Ministry of Finance, Government of India till July, 2012 before retirement. He has represented the country effectively in the G-20 meetings, ADB, World Bank and IMF meetings. He also brought about a number of changes in the functioning of the Capital Markets and initiated new policy measures in infrastructure. Prior to this assignment, he was Secretary in the Department of Financial Services, Ministry of Finance - overall in charge of banking, insurance and pension reforms. The function included supervision of policy support to Public Sector Banks (PSBs), Insurance Companies and Development Financial Institutions (DFIs) through policy guidelines, legislative and other administrative changes; Monitoring their performance; Policy formulation in respect of NBFCs, private banks and foreign banks; Support to regulatory authorities i.e. RBI, IRDA, PFRDA, NHB and NABARD; administration of the all Acts relating to Banks, DFIs and Insurance Companies; framing rules and regulations, wage settlement in banking and insurance industry; coordination between industry, banks and financial institutions. He has participated actively in Ministerial Meetings of WTO for Trade Negotiations at Doha, Cancun and Hong Kong, and assisted the Commerce Minister at the G-6, G-20 and G-1 10 meetings. He also participated in inter-governmental negotiations for Free Trade Agreements in the areas of agriculture, services and environmental goods, and led the Indian delegation at the WTO. Mr. Gopalan has a Master's Degree in Economics from Boston University and a Master's Degree in Public Administration and Management from the John F. Kennedy School of Government, Harvard University.
Led by seasoned industry veterans with a combined experience of several decades, our leaders inspire us every day.
Venkatraman G has over 32 years of experience in financial services and telecom backed by a Bachelor’s degree in commerce and an MBA. He began his career with Standard Chartered Bank in 1988, where he spent 12 years, working both in India and the Middle East. After a brief two year stint in telecom, he returned to financial services with IDBI Bank and then ICICI Bank where he headed their Indian branches. Prior to joining TVS Credit, Venkatraman was the head of the retail and commercial business for Fullerton India Credit Company (a Temasek subsidiary).
Gopalakrishnan V is a Chartered Accountant with over 25 years of experience mainly in the area of Financial Services. He began his career with the TVS Group where he headed Treasury, IT and Planning Functions for Manufacturing and Technology companies in the group. His multi-faceted experience also covers implementing SAP, handling legal, internal audits, retail, corporate lending, US GAAP accounting and Mergers and Acquisitions. He is a member of the Association of Finance Professionals USA and Chairman of the Finance Company Association of India. He has been honoured for excellence in Finance at CFO 100 forum.
Rammohan S, the Chief Strategy Officer, holds BE & MBA degree in Marketing and Finance and has 28 years of experience in the automobile industry covering areas of sales, marketing, product development, planning and corporate sales, In his role at TVS Credit, after his Initial stint as Retail Business head, he now spearheads strategy, risk, long range plans, transformation of business models. He drives Fintech partnerships to enhance business growth, build agility in processes, develop tech and analytics enabled underwriting and collections solutions as well as improve cost efficiencies. His experience comes from the time spent in leading auto majors such as Tata Motors and TVS Motor.
An Economist by qualification, Biswadev has over 18 years of experience in financial services and automobile sales. Having worked across the length and breadth of India, he has interacted with diverse cultures and distribution systems. Understanding of people, creativity and bringing value to business from unexpected quarters has been his core competencies. Handling retail products is Biswadev’s forte – he was instrumental in launching the passenger vehicles business for Tata Motors in Emerging/Rural markets. In addition, he has also handled such diverse portfolios as Commercial vehicles, Two wheelers, Consumer durables and Personal loans. He also has extensive experience in IPO management, issuance of municipal bonds, selling mutual funds on liability ,fee-based business, and recovery processes. Prior to joining TVS Credit, Biswadev worked with various reputed companies, including Tata Motors, Tata Motors Finance, GE Money, Standard Chartered Loans, and ICICI Bank.
Anjaneya Prasad heads the development of new products at TVS Credit. An engineer by qualification, Prasad received his Bachelor’s Degree in Engineering from the Regional Engineering College, Bhopal, in addition to which he has completed the Executive Program in Business Management at IIM Calcutta. He leads the thrust in the development of business in the rural segment. He has over 14 years of experience in Rural Finance and has worked for companies like HDFC bank , ICICI Bank and Eicher Tractors.
Pravin is an Agriculture graduate from Gujarat Agricultural University. He is a Certified Associate of the Indian Institute of Bankers (CAIIB). He manages underwriting and policy for commercial and rural segments i.e. Tractor Finance, Used Commercial Vehicle finance and MSME finance. With over 30 years of experience in Rural and commercial lending, he brings an in-depth understanding of the intricacies of the segments and the challenges it throws up. Prior to joining TVS Credit, he was a Product Risk Manager for Retail Agriculture and Zonal Credit Head with HDFC Bank. His rich experience spans across organisations like, State Bank of India, Kotak Mahindra Bank, Axis Bank and Dhanalakshami Bank Ltd.
A passionate credit and risk management professional with over 21 years of experience in retail financing, Anantha heads retail credit, Credit Operations and Analytics for TVS Credit. In his earlier stint with Bajaj Auto Finance Ltd, he handled business development, channel management, and Credit & Risk policies and processes. Prior to joining TVS Credit in 2009, he was associated with Chola DBS, where he was responsible for the Two wheeler policies and processes. He specialises in setting up start-ups for lending operations, policy and process capabilities to handle high volume retail portfolios. Anantha holds a Master’s Degree in Business Administration from Bharathiyar University, Coimbatore and Analytics certification from Great Lakes and XLRI
With over 25 years of experience in delivering key IT projects, Arul brings to the table an ability to deploy systems that transform business processes. An alumnus of Anna University, where he earned a Master’s Degree in Computer Applications, he has held responsible positions at Harita Infoserve Limited and TVS Electronics.
Jayashubha is a post graduate in Human resources from Madras University, having worked in the HR domain at manufacturing and services industries. She has to her credit over two decades of experience. She has worked with such companies as Titan Industries Limited, Ford India and Prasad Corporation. During her stint with Titan Industries she handled several challenging assignments, including managing Unions, negotiating wage settlements and handling the human resource aspect on the shop floor. She was a key member in the setting up of recruitment process and Diversity Committee for workers at Ford Motor Company. She then worked with Prasad Corporation, which is the pioneer in the post-production business of film-making in India. Here, she took up the challenge of establishing and setting up the HR processes at the Pan-India level, which is a first in that industry and she completed it successfully. She currently heads Human Resources at TVS Credit. Under her leadership, the employee count of TVS Credit has risen from 300 employees to 10000 employees spread over 3200 locations across the country. She is responsible for setting up well-defined employee performance management systems, rewards and recognition platforms, HR metrics using HR analytics and various employee engagement programs.
Charandeep Singh heads Marketing and CRM function at TVS Credit. He is an Agricultural Engineer from Punjab Agricultural University and an MBA graduate in Marketing from Narsee Monjee Institute of Management Studies, Mumbai. With over 15 years of experience in marketing, sales, CRM, and strategy across BFSI and automotive companies, he has led various initiatives in brand communication, market research, digital business, analytics, and customer relationship management. He has been at the helm of several transformational initiatives, including the development of corporate websites and mobile apps, and several award-winning brand campaigns. He has also successfully executed programs to enhance customer experience and engagement. He has been instrumental in developing the new brand identity for TVS Credit leading to a new visual identity system and re-positioning for the brand in line with changing business requirements. Under his leadership, the organisation has won several accolades for various marketing campaigns, such as the prestigious RMAI Flame Awards Asia 2018 for The Best Visibility and Visual Campaign of the Year. He was also named as APAC’s Top content mogul for the year 2020 by CMS – Asia, Top 100 Digital Marketers by Adobe Digi100 for the year 2018, and Top 50 Content Marketing Leaders by LinkedIn for the year 2018. In addition, during his stint at MMFSL, he won the Youth Achiever of the Year at the Rural Marketing Awards 2017.
Shelvin Mathews is a Chartered Accountant (ICAI) and Cost & Management Accountant (ICMAI), with close to 18 Years of experience in the BFSI Sector. He started his career in Risk Management as Regional Credit Head with ICICI Bank Ltd. He has worked in various areas of Risk Management across major corporates like UGRO Capital Ltd., L&T Finance, Reliance Commercial Finance (Subsidiary of Reliance Capital Ltd.). He has implemented risk management principles and processes for creating a robust framework in conformance, with global standards like ISO 31000 and COSO framework. His key areas of expertise lie in building Enterprise Risk Management (ERM) framework for the lending business, implementation of KYC-AML guidelines, and aligning the Risk Management practices with RBI guidelines for NBFCs. He is a Certified Internal Auditor for ISO 27001 (Information Security Management Systems) and ISO 22301 (Business Continuity Management Systems).
Our CTO has been awarded the Defenders 100 Awards-2020 by CIO Axis at the CISO Connect Virtual Summit and Defenders 100 Awards.
This award is in recognition of the cybersecurity initiatives taken at TVS Credit during the pandemic.
Flame Awards Asia 2020 by RMAI
We won 3 Marketing Awards at Flame Awards Asia 2020 organised by RMAI(Rural Marketing Association of India).
1.Gold Category for Best CSR Campaign of the year for Saksham
2.Gold Category for Best use of Social Media for Magical Diwali Campaign
3.Silver Category for Innovative Activity in Pandemic for Moratorium Customer Education Campaign.
HR-Most Innovative use of HR Technology 2020
TVS Credit was awarded Most Innovative use of HR Technology Award at the Asian Leaders Summit and Awards 2020 as a recognition for leveraging technology in developing HR best practices like Attrition prediction model and Hiring DNA program.
HR Leader of the Year Award 2020
Our CPO, Ms Jayasubha was awarded the HR Leader of the year award at the Asian Leaders Summit and Awards 2020 as a recognition for leveraging technology in developing HR best practices.
Our TVS Credit Saathi App was awarded gold and adjudged as the Best customer App during the IDMA Awards 2020.
Our Head-Marketing & CRM, Mr Charandeep Singh was awarded the prestigious APAC Content Mogul Award 2020 by CMS Asia for heading communication campaigns such as Covid-19 Employee Awareness, Cricket World Cup, and Magical Diwali.
Our CTO, Mr Arulanandam C has been awarded the Innovation Heroes 2020 award by Dynamic CIO at the Enterprise Innovation Summit 2020. This Award is in recognition of the technology initiatives deployed in TVS Credit during the ongoing Pandemic.
Our CEO has been awarded the NBFC Leadership Award as recognition for his exemplary leadership in the Non-Banking Sector by the Elets Technomedia and the Banking & Finance Post magazine during the 8th NBFC100 Tech Summit, Mumbai.
We have been felicitated with five awards for our corporate collaterals(Corporate video, calendar, diaries, etc) at the 10th PRCI Excellence Awards by Public Relations Council of India. This reiterates our efforts to bring out the best marketing collaterals to position and build our brand.
We have been awarded the Best Integrated Social Media Marketing Campaign for our work during Magical Diwali Season 2 during the Drivers of Digital Awards 2019 organised by Inkspell Media.
Strategy & Analytics - Analytics50 Awards - MachineCon 2018
Dhinesh R, Chief Manager - Data Analytics, won an award in the Data Science Transformers Category at the Analytics50 Awards, presented at MachineCon 2018
Strategy & Analytics - Most Influential Rural Marketing Professional - CMO Asia
The most Influential Rural Marketing Professional was awarded to Mr Rammohan, Chief Strategy Officer, in recognition of his impactful rural marketing initiatives.
HR - Best IJP Practice and Employee Engagement Strategy : IHRC (Indian HR Convention) - HDM Awards
We won accolades for our Internal Job Posting Practice and Employee Engagement Strategies at the prestigious Indian HR Convention.
HR - Most Effective Employee Engagement Strategy: World HRD Congress
We won accolades for our Employee Engagement Strategies at the World HRD Congress.
Our employee engagement, skill development, and HR management strategies won us accolades at the prestigious World Petro Coal Congress organised by the Energy and Environment Foundation.
IT - Best Use of Mobile Tech in Financial Services - South India BFSI Awards (CHRO Asia)
Our technology-centric initiatives won us an award in the Best Use of Mobile Technology in Financial Services category at the South Asia BFSI awards, organised by CHRO Asia.
We won a Bronze for our 2018 Wall Calendar and an appreciation award for our FY '18 Annual report at the PRCI Collateral Awards 2018, organised by the Public Relations Council of India.
Marketing - Best BFSI Company - ET Now Presents Making of Developed India awards
We won the Best BFSI company award for our Consumer Durable Loans campaign at the ET Now Makers of Developed India Awards 2018.
Company Level Awards - Best CEO of the Year - South India BFSI Awards (CHRO Asia)
Our CEO won the Best CEO of the Year Award at the South India's Best BFSI Awards for turning the company around and making it profitable.
We won the TransUnion-CIBIL Data Quality Awards in the Fast and Upcoming Financial Institutions in India Category.
HR - Award for Innovative HR practices - Asia Pacific HRM Congress Awards 2016
We won this award for our innovative HR practices in training using the AIDEE model - Analyse, Design, Develop, Implement, Evaluate.
HR - Award for HR Innovation through Technology in Training - Indian HR Convention & HDM awards 2016
We won this accolade for our HR Innovation through Technology In Training, which entailed a structured mentorship program to improve performance of field force executives and reduce attrition of staff.
Tamil Nadu Brand Leadership Awards 2018
TVS Credit was awarded for its brand leadership at the prestigious Tamil Nadu Brand Leadership Awards 2018
Digital Customer Experience Summit- 2019
We won the award for ‘Best Digital Marketing’ at the Digital Customer Experience Summit 2019.
The Economic Times Rural Strategy Summit- 2018
We won the ET Champions of the Rural Markets Award in the Economic Times Rural Strategy Summit of 2018.
GIWL Award Woman Icon of the Year- 2019
Our Chief People Officer, Ms Jayasubha received the Woman Icon of the year award at the Women Empowerment Summit and GIWL Awards.
Flame Awards by Rural Marketing Association India -2019
We won the award in Research Project of the Year category for our Rural Immersion Program.
The first ever ethnographic study conducted by TVS Credit which helped us understand our customers at the rural heartlands of India by spending time with them at their environment.
TRC Summit & Excellence Award 2019
We won the best in class liquidity management solution provider of the year and Team Award for building an effective compliance monitoring program.
In Recognition of exemplary technology and initiatives & IT Innovation, our CIO Mr. Arulanandam C won the Eighth Edition Big CIO Award.
Marketing- Best Multi-Channel Campaign Award- 2019
We won the award for the best Multi-Channel Campaign by a Financial Service Enterprise at the mCube 2019, organised by Inkspell.
TVS Motor Company, parent of TVS Credit, was formed in 1980 and was the first automobile company to manufacture two seater 50CC Moped and the first to come out with 100CC Motorbike. TVS Motor is India’s most trusted brand in two wheeler category, selling around 3 million vehicles annually.
www.tvsmotor.com
Sundaram-Clayton Limited was established in 1962 in collaboration with Clayton Dewandre Holdings Plc. (WABCO Automotive) pioneering the manufacture of air brake systems in India. SCL enjoys a major share of the Indian OEM market, as well as the domestic aftermarket, which it caters to through a strong and well spread-out distribution network SCL-Brakes division is the first company in India and fourth company outside Japan to win the Deming award for achieving distinctive performance improvements through TQM. In 2002, SCL-Brakes division was awarded Japan Quality Medal. It is the first company in India and second outside Japan to win this prestigious award for continual application of TQM for priority issues to achieve business results. The company's Die Casting Division, from being a captive supplier to the Brakes Division, is developing into a full-service supplier of aluminium components to a host of Indian and multi-national companies. Both the divisions are certified for QS 9000 and ISO 14001.
www.sundaram-clayton.com
Harita provides complete seating solutions for automotive applications. Harita is the leading manufacturer of seating systems in India.
www.haritaseating.com
By far the largest manufacturer and distributor of plastic and rubber auto components in the country.
www.sundaramautocomponents.com
The SST (Srinivasan Services Trust), an organization initiated by Sundaram Clayton Ltd and TVS Motor Company Ltd for charitable purposes, has been promoting community development programmes in Tamil Nadu, Gujarat, Maharashtra, Karnataka and Himachal Pradesh.
www.tvssst.org
Thank You
We have received your message. Our representative will get in touch with you, shortly.
TVS Credit Services Limited
Jayalakshmi Estates, 29,
Haddows Road, Nungambakkam,
Chennai - 600006
Timing Details
24/7 for IVR Assisted.
9 AM-7 PM (Except Holidays) for Agent Assisted.
Thank You
For writing to us, our representative will shortly get in touch with you.