
21
st
National Conference
on Inclusive Growth 2026
Microfinance: Resilient Growth
for Responsible Lending
8th & 9th October 2026 | Hotel The Ashok, New Delhi
21
st
21
st
National Conference
on Inclusive Growth 2026
Microfinance: Resilient Growth
for Responsible Lending
8th & 9th October 2026 | Hotel The Ashok, New Delhi

21
st
National Conference
on Inclusive Growth
2026
Microfinance:
Resilient Growth
for Responsible Lending
8th & 9th October 2026
Hotel The Ashok, New Delhi
21
st
21
st
National Conference
on Inclusive Growth 2026
Microfinance: Resilient Growth
for Responsible Lending
8th & 9th October 2026 | Hotel The Ashok, New Delhi
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.


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
AWARDS
AWARDS
AWARDS

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.

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.

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 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 2021
National Conference Report 2021
National Conference Report 2021













Glimpses of
Sa-Dhan National Conference
2025
Glimpses of
Sa-Dhan National Conference
2025
Glimpses of
Sa-Dhan National Conference
2025
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.
Is there a registration fee for signing up?
What does the registration fee include?
Is group registration available?
Does the registration fee include accommodation?
What is the refund policy for the conference?
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
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.
Is there a registration fee for signing up?
What does the registration fee include?
Is group registration available?
Does the registration fee include accommodation?
What is the refund policy for the conference?
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
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.
Is there a registration fee for signing up?
What does the registration fee include?
Is group registration available?
Does the registration fee include accommodation?
What is the refund policy for the conference?
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





























































