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The Sa-Dhan National Conference is an annual flagship event and a leading platform for advancing inclusive finance and responsible microfinance. The deliberations bring together policymakers, regulators, financial institutions, investors, development partners, and industry leaders to develop strategies and address challenges in the financial inclusion ecosystem. It will be a collective commitment to empowering underserved communities nationwide, bringing together nearly 1,000+ participants for a truly enriching and collaborative experience. The conference will also serve as an important platform for institutions to showcase their products, innovations, and processes. This year the theme for the conference is Microfinance : Resilient Growth for Responsible Lending.

The Sa-Dhan National Conference is an annual flagship event and a leading platform for advancing inclusive finance and responsible microfinance. The deliberations bring together policymakers, regulators, financial institutions, investors, development partners, and industry leaders to develop strategies and address challenges in the financial inclusion ecosystem. It will be a collective commitment to empowering underserved communities nationwide, bringing together nearly 1,000+ participants for a truly enriching and collaborative experience. The conference will also serve as an important platform for institutions to showcase their products, innovations, and processes. This year the theme for the conference is Microfinance : Resilient Growth for Responsible Lending.

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Conference Overview

Conference Overview

80+ Speakers

80 + Eminent speakers, including senior policymakers, industry leaders, regulators, and sector experts shaping the future of financial inclusion.

80+ Speakers

80 + Eminent speakers, including senior policymakers, industry leaders, regulators, and sector experts shaping the future of financial inclusion.

80+ Speakers

80 + Eminent speakers, including senior policymakers, industry leaders, regulators, and sector experts shaping the future of financial inclusion.

2 Days

Experience 2 days of high-impact sessions, panel discussions, and networking opportunities with industry leaders, policymakers, and practitioners.

2 Days

Experience 2 days of high-impact sessions, panel discussions, and networking opportunities with industry leaders, policymakers, and practitioners.

2 Days

Experience 2 days of high-impact sessions, panel discussions, and networking opportunities with industry leaders, policymakers, and practitioners.

12+ Sessions

12 power-packed sessions with industry leaders, policymakers, and practitioners addressing emerging trends and challenges.

12+ Sessions

12 power-packed sessions with industry leaders, policymakers, and practitioners addressing emerging trends and challenges.

12+ Sessions

12 power-packed sessions with industry leaders, policymakers, and practitioners addressing emerging trends and challenges.

59+ Partners

59 valued partners supporting and strengthening the Conference.

59+ Partners

59 valued partners supporting and strengthening the Conference.

59+ Partners

59 valued partners supporting and strengthening the Conference.

SPEAKERS

SPEAKERS

SPEAKERS

Dr V Anantha

Nageswaran

Dr V Anantha

Nageswaran

CEA to

the Government

of India

CEA to

the Government

of India

Mr Chandra Shekhar Ghosh

Mr Chandra Shekhar Ghosh

Chairman, Bandhan Group

Chairman, Bandhan Group

Mr Sanjay Lohiya, IAS

Mr Sanjay Lohiya, IAS

Secretary, Department of Financial Services, Ministry of Finance

Secretary, Department of Financial Services, Ministry of Finance

Mr Rohit

Kansal, IAS

Mr Rohit

Kansal, IAS

Secretary, Department of Rural Development, MoRD, GoI

Secretary, Department of Rural Development, MoRD, GoI

Dr Shaji Krishnan V

Dr Shaji Krishnan V

Chairman,

NABARD

Chairman,

NABARD

Mr Kesavan Ramachandran

Mr Kesavan Ramachandran

Executive Director, Reserve Bank of India

Executive Director, Reserve Bank of India

Mr Rama Mohan

Rao Amara

Mr Rama Mohan

Rao Amara

Managing Director,

State Bank of India

Managing Director,

State Bank of India

Mr S B

Singh

Mr S B

Singh

Executive Director, Indian Bank

Executive Director, Indian Bank

Mr Manoj

Mittal

Mr Manoj

Mittal

CMD, SIDBI

Managing Partner, Accion

Mr V. Vaidyanathan

Mr V.

Vaidyanathan

MD & CEO, IDFC First Bank

MD & CEO, IDFC First Bank

Mr Amit

Shukla, IFoS

Mr Amit

Shukla, IFoS

Joint Secretary, Department of Rural Development, MoRD, GoI

Joint Secretary, Department of Rural Development, MoRD, GoI

Dr K Paul

Thomas

Dr K Paul

Thomas

MD & CEO, ESAF Small Finance Bank,

Chair, Sa-Dhan

MD & CEO, ESAF Small Finance Bank,

Chair, Sa-Dhan

Dr H P

Singh

Dr H P

Singh

CMD, Satin Creditcare Network Ltd

CMD, Satin Creditcare Network Ltd

Mr Mukul Jaiswal

Mr Mukul

Jaiswal

Managing Director, Cashpor Micro Credit

Managing Director, Cashpor Micro Credit

Mr Dibyajyoti

Pattanaik

Mr Dibyajyoti

Pattanaik

Director, Annapurna Finance Pvt Ltd & MD, Annapurna Tech Universe Pvt Ltd

Director, Annapurna Finance Pvt Ltd & MD, Annapurna Tech Universe Pvt Ltd

Mr Sadaf

Sayeed

Mr Sadaf

Sayeed

CEO, Muthoot Microfin Ltd

CEO, Muthoot Microfin Ltd

Dr Noopur Chaturvedi

Dr Noopur

Chaturvedi

MD &CEO, NPCI Bharat BillPay Ltd.

MD &CEO, NPCI

Bharat BillPay Ltd.

Mr Govind

Singh

Mr Govind

Singh

MD & CEO, Utkarsh Small Finance Bank

MD & CEO, Utkarsh Small Finance Bank

Mr Inderjit Camotra

Mr Inderjit

Camotra

MD & CEO, Unity Small Finance Bank

MD & CEO,

Unity Small Finance Bank

Mr Anjani Kumar Singh

Mr Anjani Kumar Singh

Senior Program Officer, Gates Foundation

Senior Program Officer, Gates Foundation

Mr Vineet Chattree

Mr Vineet

Chattree

Managing Director, Svatantra Microfin

Managing Director, Svatantra Microfin

Mr J Balakrishnan

Mr J Balakrishnan

Wholetime Director & CEO, Belstar Microfinance Ltd

Wholetime Director & CEO, Belstar Microfinance Ltd

Dr Ajay K

Sood

Dr Ajay K

Sood

DMD, NABARD

DMD, NABARD

Mr Satyaki

Rastogi

Mr Satyaki

Rastogi

CGM, SIDBI

CGM, SIDBI

Ms Sumeet Kapoor

Ms Sumeet Kapoor

Executive Director, PFRDA

Managing Partner, Accion

Prof. M. S.

Sriram

Prof. M. S.

Sriram

IIM

Bangalore

IIM

Bangalore

Mr Anil

Kumar S.S.

Mr Anil

Kumar S.S.

CEO, SKDRDP

BC Trust

CEO, SKDRDP

BC Trust

Mr N

Srinivasan

Mr N

Srinivasan

Development Finance & Livelihood Expert

Development Finance & Livelihood Expert

Mr Tamal Bandyopadhyay

Mr Tamal Bandyopadhyay

Consulting Editor, Business Standard

Consulting Editor, Business Standard

Ms Ritu

Singh

Ms Ritu

Singh

Editor-Banking,

CNBC TV18

Editor-Banking,

CNBC TV18

Dr Prasun Kumar Das

Dr Prasun Kumar Das

Secretary General, APRACA

Secretary General, APRACA

Mr N S Vishwanathan

Mr N S Vishwanathan

Former Deputy Governor, Reserve Bank of India

Former Deputy Governor, Reserve Bank of India

Mr Manoj Muttathil Ayyappan

Mr Manoj Muttathil Ayyappan

Joint Secretary, Department of Financial Services, Ministry of Finance

Managing Partner, Accion

Dr Roy

Varghese

Dr Roy

Varghese

CEO, Asirvad Microfinance

CEO, Asirvad Microfinance

Mr Jagadish Babu Ramadugu

Mr Jagadish Babu Ramadugu

MD & CEO, Pragati Finserv

Managing Partner, Accion

Mr Rahul

Gupta

Mr Rahul

Gupta

Director & CEO, Avanti Finance

Director & CEO, Avanti Finance

Mr Raj Narayan Mishra

Mr Raj Narayan Mishra

DGM, Reserve Bank of India

DGM, Reserve

Bank of India

Dr Haragopal Yandra

Dr Haragopal Yandra

Managing Director, NABFINS Ltd.

Managing Director, NABFINS Ltd.

Mr Govind Narayan Goyal

Mr Govind Narayan Goyal

CGM, State Bank of India

CGM, State Bank of India

Mr Sanjay Kishore

Mr Sanjay Kishore

CGM, Indian Overseas Bank

CGM, Indian Overseas Bank

Mr Asim Parashar

Mr Asim

Parashar

Partner, PwC

Partner, PwC

Mr Wilfred

Sigler

Mr Wilfred

Sigler

Managing Director, Equifax India

Managing Director, Equifax India

Mr Sajeesh

Nair

Mr Sajeesh

Nair

EVP & Business Head – Microfinance & Sustainable Livelihood Initiative, HDFC Bank

EVP & Business Head – Microfinance & Sustainable Livelihood Initiative, HDFC Bank

Ms Aditi

Singh

Ms Aditi

Singh

Chief Strategy Officer, Satin Creditcare Network Ltd.

Chief Strategy Officer, Satin Creditcare Network Ltd.

Mr Suresh Venkatesan

Mr Suresh Venkatesan

Wholetime Director & CEO, CRIF High Mark Credit Information Services Pvt. Ltd.

Wholetime Director & CEO, CRIF High Mark Credit Information Services Pvt. Ltd.

Mr Amit

Arora

Mr Amit

Arora

Senior Development Finance Specialist, The World Bank Group

Senior Development Finance Specialist, The World Bank Group

Ms Hamsini Karthik

Ms Hamsini Karthik

Senior Editor- Banking & Financial Services, Money Control

Senior Editor- Banking & Financial Services, Money Control

Mr Sasidhar Thumuluri

Mr Sasidhar Thumuluri

Sector Expert

Sector Expert

Mr LVLN

Murty

Mr LVLN

Murty

MD & CEO, Dvara KGFS

MD & CEO, Dvara KGFS

Mr Vivek

Tiwari

Mr Vivek

Tiwari

Chairman, MD & CEO, Satya MicroCapital Ltd.

Chairman, MD & CEO, Satya MicroCapital Ltd.

Mr Sunil

Jadli

Mr Sunil

Jadli

CEO, Sanghamithra Rural Financial Services

Managing Partner, Accion

Mr Arun Seethamraju

Mr Arun Seethamraju

Vice President - Growth and Success, Reserve Bank Innovation Hub

Vice President - Growth and Success, Reserve Bank Innovation Hub

Ms Sugandh Saxena

Ms Sugandh Saxena

CEO, FACE

CEO, FACE

Mr Amal S

Pilla

Mr Amal S

Pilla

Director, PwC

Director, PwC

Mr Udeesh

Ullas

Mr Udeesh

Ullas

Chief Operating Officer, Muthoot Microfin Ltd

Managing Partner, Accion

Mr Rahul Kotabage

Mr Rahul Kotabage

Director & Head- Research & Consulting, TransUnion CIBIL

Director & Head- Research & Consulting, TransUnion CIBIL

Mr Vipul Sekhsaria

Mr Vipul Sekhsaria

Co-founder & COO, Kaleidofin

Co-founder & COO, Kaleidofin

Mr Gautam

Jain

Mr Gautam

Jain

Managing Director, Vedika Finance

Managing Partner, Accion

Mr Chitrabhanu K.G

Mr Chitrabhanu K.G

EVP & Country Head - Agri, Micro & Rural Banking, Federal Bank

EVP & Country Head - Agri, Micro & Rural Banking, Federal Bank

Mr Malkit Singh Didyala

Mr Malkit Singh Didyala

Co-Founder, and Whole Time Director, CEO, CIO, Sindhuja Microcredit Pvt. Ltd

Managing Partner, Accion

Dr Abhishek

Agrawal

Dr Abhishek

Agrawal

Managing Partner,

Accion

Managing Partner, Accion

Ms Misha Sharma

Ms Misha Sharma

Lead, Dvara Research

Lead, Dvara Research

Mr Krishnadas Nair

Mr Krishnadas Nair

Group Head-MF, Bharat Banking, Axis Bank

Group Head-MF, Bharat Banking, Axis Bank

Mr Anant Deshpande

Mr Anant

Deshpande

Founding Co- Founder- Finbox & Sector Expert,

Founding Co- Founder- Finbox & Sector Expert,

Mr Sanjeev Singha

Mr Sanjeev Singha

CEO, Association of Small Finance Banks of India

CEO, Association of Small Finance Banks of India

Mr Sachin Sachdeva

Mr Sachin

Sachdeva

Vice President & Co-Group Head, Financial Ratings, ICRA Ltd.

Vice President & Co-Group Head, Financial Ratings, ICRA Ltd.

Dr Arun

Raste

Dr Arun

Raste

Former CEO NCDEX & Sector Expert

Managing Partner, Accion

Mr Abhijit

Ray

Mr Abhijit

Ray

Co-Founder & MD,

UC Inclusive Credit

Co-Founder & MD,

UC Inclusive Credit

Mr Asit Ranjan Mishra

Mr Asit Ranjan Mishra

Economic Affair Editor, Business Standard

Managing Partner, Accion

Dr Sajid

Amit

Executive Director, South Asia, Water.org

Managing Partner, Accion

Mr Subhomoy Bhattacharjee

Mr Subhomoy Bhattacharjee

Consulting Editor, Business Standard

Consulting Editor, Business Standard

Mr Piyush Srivastava

The Senior Economic Adviser, MoRD, GoI

Managing Partner, Accion

Ms Hannah Muthoot

Ms Hannah Muthoot

Non Executive Director & Head of Strategy, Muthoot Microfin Ltd

Non Executive Director & Head of Strategy, Muthoot Microfin Ltd

Ms Madhu Khetan

Ms Madhu Khetan

Integrator, PRADAN

Managing Partner, Accion

Kirtiman Awasthi

Kirtiman

Awasthi

Project Director- Climate Adaptation, Resilience and Climate Finance, GIZ India

Managing Partner, Accion

Mr Harish

Raghu

Mr Harish

Raghu

Consultant & Director, Good Books Capital Advisors

Managing Partner, Accion

Dr. Agyeya Trippathi

Dr. Agyeya Trippathi

Sector Expert

Sector Expert

OUR PARTNERs

OUR PARTNERs

OUR PARTNERs

Conference Partner

Conference Partner

Conference Partner

Principal Partner

Principal Partner

Principal Partner

Strategic Partner

Strategic Partner

Strategic Partner

Associate Partner

Associate Partner

Associate Partner

Supporting Partner

Supporting Partner

Supporting Partner

Intelligence Partner

Intelligence Partner

Intelligence Partner

Insights Partner

Insights Partner

Insights Partner

Technology Partner

Technology Partner

Technology Partner

Inclusion Partner

Inclusion Partner

Inclusion Partner

Knowledge Partner

Knowledge Partner

Knowledge Partner

AWARDS

AWARDS

AWARDS

Award Momento Image

The Elaben Memorial Award 2026

The Elaben Memorial Award 2026

The Elaben Memorial Award 2026

The Elaben Memorial Award for the Best Women-Friendly Financial Institution 2026. The award honours organisations that foster a women-friendly environment and demonstrate a strong commitment to women’s empowerment.


The Elaben Memorial Award for the Best Women-Friendly Financial Institution 2026. The award honours organisations that foster a women-friendly environment and demonstrate a strong commitment to women’s empowerment.


The Elaben Memorial Award for the Best Women-Friendly Financial Institution 2026. The award honours organisations that foster a women-friendly environment and demonstrate a strong commitment to women’s empowerment.


Award Momento Image

The WASH Excellence Awards 2026

The WASH Excellence Awards 2026

The WASH Excellence Awards 2026

The WASH Excellence Awards 2026 will honour institutions that have demonstrated exceptional commitment to enabling access to safe water and sanitation through innovative financing solutions. The awards will be presented during the Sa-Dhan National Conference on 8th October 2026.

The WASH Excellence Awards 2026 will honour institutions that have demonstrated exceptional commitment to enabling access to safe water and sanitation through innovative financing solutions. The awards will be presented during the Sa-Dhan National Conference on 8th October 2026.

The WASH Excellence Awards 2026 will honour institutions that have demonstrated exceptional commitment to enabling access to safe water and sanitation through innovative financing solutions. The awards will be presented during the Sa-Dhan National Conference on 8th October 2026.

Award Momento Image

Low Income Housing Finance Champion Award 2026

Low Income Housing Finance Champion Award 2026

Low Income Housing Finance Champion Award 2026

The award honours outstanding Micro Lending Institutions (MLIs) advancing small ticket housing finance for low income households.




The award honours outstanding Micro Lending Institutions (MLIs) advancing small ticket housing finance for low income households.




The award honours outstanding Micro Lending Institutions (MLIs) advancing small ticket housing finance for low income households.




DAY 1 - Detailed Agenda

Registration

08:45 AM – 09:45 AM

Inaugural SESSION

09:45 AM – 11:00 AM

Leadership Dialogue
Stability Inclusion and Innovation: Priorities for the Next phase of Indian Microfinance 

11:00 AM – 11:30 AM

Tea Break

11:30 AM – 12:00 PM

Plenary Session 1:
High-Touch, High-Tech: Rewiring MFI Operations through Technology and Customer Connect 

12:00 PM – 01:30 PM

Lunch Break

01:30 PM – 02:15 PM

Technical Session 1:
Microfinance 2.0: Operating Models & Emerging Trends

Technical Session 2:
Aiming Sustainable Growth: Strategizing Climate Risk into Microfinance Operations 

Technical Session 3: 
Technology in Underwriting - Use of AI and Alternative Data for Credit Decisions 

02:15 PM – 03:15 PM

Tea Break

03:15 PM – 03:45 PM

The WASH Excellence Awards 2026 

Low Income Housing Finance Champion Award 2026 

03:45 PM – 04:15 PM

Round Table:
Capital for Scale- Debt and Equity Funding for Sustainable Growth

04:15 PM – 05:15 PM

DAY 1 - Detailed Agenda

Registration

08:45 AM – 09:45 AM

Inaugural SESSION

09:45 AM – 11:00 AM

Leadership Dialogue
Stability Inclusion and Innovation: Priorities for the Next phase of Indian Microfinance 

11:00 AM – 11:30 AM

Tea Break

11:30 AM – 12:00 PM

Plenary Session 1:
High-Touch, High-Tech: Rewiring MFI Operations through Technology and Customer Connect 

12:00 PM – 01:30 PM

Lunch Break

01:30 PM – 02:15 PM

Technical Session 1:
Microfinance 2.0: Operating Models & Emerging Trends

Technical Session 2:
Aiming Sustainable Growth: Strategizing Climate Risk into Microfinance Operations 

Technical Session 3: 
Technology in Underwriting - Use of AI and Alternative Data for Credit Decisions 

02:15 PM – 03:15 PM

Tea Break

03:15 PM – 03:45 PM

The WASH Excellence Awards 2026 

Low Income Housing Finance Champion Award 2026 

03:45 PM – 04:15 PM

Round Table:
Capital for Scale- Debt and Equity Funding for Sustainable Growth

04:15 PM – 05:15 PM

Sa-Dhan Archives

Sa-Dhan Archives

Sa-Dhan Archives

Sa-Dhan archives is a repository of valuable insights gathered from our conferences over the years.

Sa-Dhan archives is a repository of valuable insights gathered from our conferences over the years.

Sa-Dhan archives is a repository of valuable insights gathered from our conferences over the years.

National Conference on Inclusive Growth 2025

National Conference on Inclusive Growth 2025

National Conference on Inclusive Growth 2025

National Conference on Inclusive Growth 2024

National Conference on Inclusive Growth 2024

National Conference on Inclusive Growth 2024

National Conference on Inclusive Growth 2023

National Conference on Inclusive Growth 2023

National Conference on Inclusive Growth 2023

National Conference on Inclusive Growth 2023

National Conference on Inclusive Growth 2023

National Conference Report 2022

National Conference Report 2022

National Conference Report 2022

National Conference Report 2022

National Conference Report 2021

National Conference Report 2021

National Conference Report 2021

National Conference on Inclusive Growth 2024
three wind turbines in a green field with a blue sky in the background
windmills on grass field at daytime
people standing near wind turbines during daytime
a wind turbine in the middle of a field
white windmill during day
wind turbines under gray sky
wind turbines on snowy mountain under clear blue sky during daytime
white and red windmill during daytime

Glimpses of

Sa-Dhan National Conference

2025

Glimpses of

Sa-Dhan National Conference

2025

Glimpses of

Sa-Dhan National Conference

2025

Question & Answer
01

Who can attend the conference?

The conference is open to microfinance institutions, NGOs, financial service providers, policymakers, academics, students, and professionals engaged in financial inclusion and development finance.

02

Is there a registration fee for signing up?

03

What does the registration fee include?

04

Is group registration available?

05

Does the registration fee include accommodation?

06

What is the refund policy for the conference?

07

Can I exhibit or sponsor at the event?

Get in touch

For all queries, please write to conference@sa-dhan.org

Hari Darshan Mishra, 8340125231 (Registration)

Sunitha Nara, 9873075502 (Sponsorship and Stalls)

Dheeraj Kumar Joshi, 96271 59302 (Accounts)

Rituparna Roy, 9873005101 (Media & Awards)

Sandeep Rewari, 9560055664  (Any Inquiry) 

Head Office-D-26, Ground Floor, South Extension, Part - 2,

New Delhi - 110049

Question
& Answer
01

Who can attend the conference?

The conference is open to microfinance institutions, NGOs, financial service providers, policymakers, academics, students, and professionals engaged in financial inclusion and development finance.

02

Is there a registration fee for signing up?

03

What does the registration fee include?

04

Is group registration available?

05

Does the registration fee include accommodation?

06

What is the refund policy for the conference?

07

Can I exhibit or sponsor at the event?

Get in touch

For all queries, please write to conference@sa-dhan.org

Hari Darshan Mishra, 8340125231 (Registration)

Sunitha Nara, 9873075502 (Sponsorship and Stalls)

Dheeraj Kumar Joshi, 96271 59302 (Accounts)

Rituparna Roy, 9873005101 (Media & Awards)

Sandeep Rewari, 9560055664  (Any Inquiry) 

Head Office-D-26, Ground Floor, South Extension, Part - 2,

New Delhi - 110049

Question & Answer
01

Who can attend the conference?

The conference is open to microfinance institutions, NGOs, financial service providers, policymakers, academics, students, and professionals engaged in financial inclusion and development finance.

02

Is there a registration fee for signing up?

03

What does the registration fee include?

04

Is group registration available?

05

Does the registration fee include accommodation?

06

What is the refund policy for the conference?

07

Can I exhibit or sponsor at the event?

Get in touch

For all queries, please write to 

conference@sa-dhan.org

Hari Darshan Mishra, 8340125231 (Registration)

Sunitha Nara, 9873075502 (Sponsorship and Stalls)

Dheeraj Kumar Joshi, 96271 59302 (Accounts)

Rituparna Roy, 9873005101 (Media & Awards)

Sandeep Rewari, 9560055664 (Any Inquiry) 

Head Office-D-26, Ground Floor, South Extension, Part - 2, New Delhi - 110049

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