Sagar Deposits and Advances Ltd.(SDAL) is a Category “A” Public Deposit accepting NBFC Registered under section 45 A of the Reserve Bank Of India. SDAL vision is very clear and we aim to serve India’s traditionally underserved populace who find it difficult to secure a timely loan from banks or any other FIs.

We're reshaping the way Customer get loans and enhance Customer Experience.

Our Services

Our Mission

To provide innovative, affordable & customer centered credit in time bound fashion to micro ,small & medium enterprises through friendly team, efficient products, relevant policies & robust processes, to catapult them to new horizons

Our Vision

To be a leading financial service provider, admired for high level of customer service and respected for our ethics, values & corporate governance. To provide micro, small & medium enterprises in India with timely credit and services to support the growth of the MSME sector.

Our Values


We appreciate customers time & purpose for taking loan. We will reach out to him when he needs fund


We will be transparent in all our dealings & value our commitments. We firmly believe that the difference between a good business and a great organization is the integrity of its people. We will conduct ourselves ethically and transparently in all our dealings, both internal & external.


Upliftment-We will organize things for unorganized sector. We will aim to bring them to mainstream & help them to reach next level


We are flexible & will explore new methods to tailor made solutions for customers requirement


We respect the fact that our investors have entrusted us with their capital, our partners with their faith, our customers with their confidence and our employees with their aspirations. We will measure our success by the success of our stakeholders and will work diligently to ensure that we fulfill our fiduciary responsibility.


We will maintain an environment, which fosters credibility & encourages innovation. We believe that this will enable us to attract, retain & nurture the best talent & develop the business and thought leaders of tomorrow.

Mutual Respect

We will build an organization, which has a positive mindset. By conducting every interaction with respect and consideration, we will create a self-reinforcing culture of success


We believe that it is one responsibility to contribute to the society in which we operate. By investing in our community, we will not only improve our surroundings today, but also provide better opportunities for future generations.

Our Strategies

Our mission is To provide innovative, affordable & customer centered credit in time .

Portfolio quality

Prudent resk management with highly qualified credit team and consistent monitoring of the portfolio

Low Cost

low operation cost & low cost funds through debt instruments and raise long term institutional funding


Continously innovative and launch products that cater to various needs at every stage of consumers life cycle

Target Right segment

A marketing budget for all quarters , which will promote Digital india products and SME Loans through print media , electronic media and various promotional activities . Month on Month Penetration in new markets with new branches


Flexible offerings as per the needs of the customer


Organization focus on full satisfaction of the customer and ensure repeat loans . A right and motivated set of team member ensure the same

We are Here to Help You

Our mission is To provide innovative, affordable & customer centered credit in time .

Apply For Loan

Looking to buy a car or home loan? then apply for loan now.

Get Appointment

Call us at

(141) 403 6837

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