About The Company

Atmos Finance Private Limited (AFPL) was established in 2017 vide CIN no U65999MH2017PTC295587 as a Non-Banking Financial Company (NBFC) registered with RBI vide COR no.N13.02297. AFPL’s head office is located in Mumbai, Maharashtra and has branches at Thane, Ajmer and Jaipur. AFPL products include SME loans (secure and unsecured), Loan Against Properties, Home Loans and SHWG Loans. The company is promoted by reputed professionals with wide experience in financial services and banking and aided by a sound team of 20+ professionals from retail lending background. AFPL is fully committed to - customer’s confidentiality and work with core values of transparency, good governance and best practices. It aspires to become one of the leading players in the segment by offering customised offering suitable to the specific customer need. AFPL focus on maintaining a shortest possible turn-around time and offer most affordable products to its customers. The company has so far disbursed 2000+ loan tickets to various individual and business entities and looking to become one of the prominent player in retail lending industry

Products we provide


Small ticket loans for women group that wants to start their own business venture. We offer best terms and specialises in customisation of the loans as per one’s requirement.


Secured / Unsecured loans for small enterprises and businesses. End use could be for buying any equipment, repair factory building or working capital. Ticket size ranging from INR 25000 up to 10 Lacs and tenure could be 1-to-5-year period.


Affordable housing loans offered towards buying self-residential homes, expansion in existing home and or improvement of exiting loans. Ticket size ranging from INR 50,000 up to 20 Lacs and tenure could be 5-to-10-year period. We fund up 80% of the value of the property.


Loan against commercia, office and or factory premises. End use could be business or personal purpose. Ticket size ranging from INR 50,000 up to 20 Lacs and tenure could be 5-to-10-year period. We fund up 66% of the value of the property.


Small ticket unsecured personal loans ranging from INR 3,000-20,000/- for salaried individual for repayment tenure up to 12 months. We offer competitive terms and customise it basis the repayment capacity of the borrower.

Board Of Directors

Ritu Goyal

Ritu Goyal has 15+ years of experience in Corporate Finance & banking. Ritu is designated as CEO of Atmos Finance (P) Limited. She handles overall day to day functioning of AFPL and also oversees the operations of AFPL’s Thane Branch. Ritu is a Chartered Accountant & Company Secretary by qualification. Her past background includes working with leading organizations like Jet Airways, Aneja Associates, Ethos Capital Advisors etc.

Ravi Goyal

Mr. Ravi Goyal is an Electrical Engineer by qualification. Ravi Goyal has 12+ years of experience in operating large businesses having initiated them from scratch. He plays a key role in the corporate planning, marketing and strategic initiatives of the company. His role also includes managing the day to operations at AFPL’s branches in Rajasthan.

Our Offerings: SHWG Loans, SME Loans, Home Loans, Loan Against Property.