Celebrating 20 years of the
Sa-Dhan National Conference
on Inclusive Growth 2025

13th & 14th November 2025 | Hotel The Ashok, New Delhi

Meet the Speakers

Dr Arvind Virmani
Honourable Member
(equivalent to the Minister of State)
Niti Aayog

Mr Nagaraju Maddirala IAS
Secretary
Department of Financial Services
Mr Shailesh Kumar Singh IAS
Secretary
Department of Rural Development
Mr Shaji KV
Chairman

NABARD
Mr Manoj Mittal
CMD

SIDBI
Dr K Paul Thomas
MD & CEO

ESAF Small Finance Bank
Mr Vijay Mahajan
Sector Expert
Dr H P Singh
CMD

Satin Creditcare Network
Mr Amardeep Singh Samra
MD

Midland Microfin
Mr J Balakrishnan
CEO

Belstar Microfinance
Mr Sadaf Sayeed
CEO

Muthoot Microfin
Prof. M S Sriram
Professor

IIM Bangalore
Mr Tamal Bandhopadyay
Consulting Editor

Business Standard
Mr Vivek Tiwari
MD & CEO

SATYA MicroCapital
Ms Ritu Singh
Deputy Editor

CNBCTV 18
Ms Hamsini Karthick
Editor-BFSI

Moneycontrol
Dr Ajay Kumar Sood
DMD

NABARD
Mr Sudatta Mandal
DMD

SIDBI
Ms Suparna Tandon
CEO

NPS Trust
Dr Charan Singh
CEO and Founder Director
Egrow Foundation
Ms Noopur Chaturvedi
MD & CEO

NPCI Bharat BillPay Limited
Mr N Srinivasan
Development Finance & Livelihoods Expert

(Independent)
Mr Manoj Gulati
Regional Director - South Asia

Water.org
Dr Indradeep Ghosh
Executive Director

Dvara Research
Mr Rahul Gupta
Director & CEO

Avanti Finance
Mr Shishir Sinha
Associate Editor

BusinessLine
Mr G Kiran Kumar
ED & CEO

Svamaan Financial Services
Mr Sachin Seth
Chairman & Regional Managing Director

CRIF High Mark / CRIF India & South Asia
Mr Krishnadas Nair
Executive Vice President

Axis Bank
Mr Raman Aggarwal
CEO

FIDC
Mr Kartik S Mehta
Co-founder & MD

Pahal Financial Services
Mr Kalengada Mandanna Nanaiah
Sector Expert
Dr Abhishek Agrawal
Managing Partner

Accion
Dr Aqueel Khan
MD

Mitrata Inclusive Financial Services
Mr Amit Arora
Senior Rural & Agri Finance Specialist

The World Bank Group
Mr Satyaki Rastogi
CGM

SIDBI
Mr Ashish Mehrotra
MD & CEO

Northern Arc
Prof Partha Ray
Director

NIBM
Mr Balbir Singh
Executive Director & CEO

Great Place to Work
Ms N Neeraja
MD

NABFINS
Ms Sugandh Saxena
CEO

FACE
Mr Harish Raghu
Consultant & Director

Good Books Capital Advisors
Mr Asim Parashar
Partner

PwC
Mr Debasish Mishra
CGM

State Bank of India
Mr Sanjib Jha
MD & CEO

Coverfox
Mr Piyush Ranjan
CTO

Coverfox
Mr Nikhil Rajadhyaksha
CRO

TransUnion CIBIL
Mr Paritosh Mathur
Head-Wholesale Bank

IDFC First Bank
Ms Nalini Venkat
Chief Business Officer

Digit Insurance
Mr Rajat Agrawal
Chief Business Officer

PayNearBy
Mr Aditya B Chatterjee
MD

Equifax India
Mr Ashish Kumar
CGM

PFRDA
Mr Anil Kumar S.S
CEO

SKDRDP BC Trust
Mr P R Rajagopal
Executive Director

Bank of India
Mr Vishal Goyal
GM

National Housing Bank
Mr Deo Shankar Tripathi
Executive Vice Chairman

Aadhar Housing Finance Limited
Mr Patrick McAllister
Director - Financial Policy & Regulation

Terwilliger Center for Innovation in Shelter
Mr LVLN Murthy
MD & CEO

Dvara KGFS
Mr Inderjit Camotra
MD & CEO

Unity Small Finance Bank
Mr Vineet Chandra Rai
Vice Chairman

Aavishkaar Group
Mr Ajit Singh
Director

PwC
Mr Subrat K Nanda
CGM-IDD

NABARD
Mr Chitrabhanu K G
Exec. Vice President & Country Head

Federal Bank
Mr Jagadish Babu Ramadugu
MD & CEO

Pragati Finserv
Ms Jignasa Morthania
DGM

RBI
Mr Mukul Jaiswal
MD

Cashpor Microcredit

OUR
Partners

Conference Partners

Principal Sponsors

Co - Sponsors

Associate Sponsors

Technology Partner
Insight partner
Knowledge Partner
Broadcast Partner
Health Partner
Collection Partner
Online Reputation Partner

About The Event

Sa-Dhan’s 20th Annual National Conference on Inclusive Growth
November 13–14, 2025
Venue: Hotel “The Ashok”, New Delhi
Theme: “Building Resilient Microfinance: Promoting Inclusive and Responsible Finance”

Sa-Dhan
National Conference 2025

The 20th Annual National Conference on Inclusive Growth, a flagship event of Sa-Dhan, will be held on November 13-14, 2025, at Hotel The Ashok, New Delhi. This prestigious platform brings together key stakeholders to deliberate on and advance the agenda of financial inclusion.

The theme for this year’s conference is: “Building Resilient Microfinance: Promoting Inclusive and Responsible Finance.” In 2025, Sa-Dhan completes 10 years as a Self-Regulatory Organization (SRO) for Microfinance Institutions, recognized by the Reserve Bank of India. This milestone will be reflected in the conference’s focused sessions on the principles of self-regulation aimed at fostering a more sustainable and responsible microfinance lending environment in the country.

As in previous years, the conference will bring together a diverse array of policymakers, regulators, practitioners, academics, and sector experts to explore pressing and emerging issues in the microfinance sector. Key discussions will revolve around strengthening the sector’s contribution to government-led initiatives and enhancing financial resilience, particularly for underserved and vulnerable communities.

This year marks a significant milestone as Sa-Dhan celebrates 10 years as an SRO. The conference theme reflects on a decade of progress, while looking ahead to new opportunities for growth, collaboration, and innovation in the years to come.

Detailed Agenda

08:45 AM –
09:45 AM

Registration

09:45 AM –
10:45 AM

Inaugural Session

10:45 AM –
11:00 AM

Presentation on White Paper

11:00 AM –
11:30 AM

Tea Break

11:30 AM –
01:00 PM

Plenary Session 1: Customer Centric and Responsible Lending through Fair, Transparent, Sustainable Lending Practices

01:00 PM –
02:00 PM

Lunch

02:00 PM –
03:00 PM

Breakaway Session 1: Keeping Individual Centricity in Group Lending Model : The New Norm of Microfinance?

Breakaway Session 2: The Digital Inclusion in Microfinance Journey: Preparing for the Next Phase in Microfinance

Breakaway Session 3: Building a Resilient Workforce: Enhancing Human Resource Development through Capacity Building and Employee Motivation

03:00 PM –
03:30 PM

Tea Break

03:30 PM –
03:45 PM

Sa-Dhan and Water.org Awards for Top Contributing Financial Institutions in Water & Sanitation Financing

03:45 PM –
05:00 PM

Plenary Session 2: Strengthening Household Financial Resilience: Role of Social Security Products

10:00 AM –
10:45 AM

Fireside Chat: Building Customer Prosperity: Need for a Change in Microfinance Engagement?

10:45 AM –
11:00 AM

Elaben Memorial Award for the Best Women- Friendly Financial Institution- 2025

11:00 AM –
12:00 PM

Plenary Session 3: Empowering Women Entrepreneurs: Socio Economic Upliftment through Enterprise Development

12:00 PM –
12:30 PM

Tea Break

12:30 PM –
01:30 PM

Breakaway Session 4: Path to Affordable Housing and Financial Inclusion through MFIs

Breakaway Session 5: Reinventing Microfinance: Product Diversification and Lending Models

Breakaway Session 6: Celebrating Financial Innovations : Reshaping the Financial Inclusion Landscape of India

01:30 PM –
02:30 PM

Lunch

02:30 PM –
03:30 PM

Plenary Session 4: Regulatory Framework for Responsible Lending: Role of Self-Regulation in Indian Financial Landscape

03:30 PM –
03:45 PM

Valedictory Session

03:45 PM –
04:00 PM

Closing & Vote of Thanks

08:45 –
09:45

Registration

08:45 –
09:45

Inaugural Session (Convention Hall)

In this session, attendees will explore the crucial role of the microfinance sector in driving the nation’s sustainable economic development.

Speakers :