Welcome to Lok Capital

	Investment Philosophy

	Investment Process

	Value-Adds


	Janalakshmi Financial Services "Each of us has much more hidden inside us than we have had a chance to explore. Unless we create an environment that enables us to discover the limits of our potential, we will never know what we have inside of us." - Muhammad Yunus Spandana Sphoorty Financial "If we stop thinking of the poor as victims or as a burden and start recognizing them as resilient and creative entrepreneurs and value conscious consumers, a whole new world of opportunity will open up.” - C.K. Prahalad Satin Credit Care Network Arohan Jagannatha Financial Services Ujjivan Financial Services

Investment Philosophy

Lok Capital seeks to partner with visionary and talented entrepreneurs and managers who are keen to take microfinance in India to a new level of sustainability, scalability and professionalism.

We seek partnerships based on trust and transparency, where the benefits of financial success are shared with the founders and management teams of our investee companies. We do not seek controlling or majority stakes in our investments.

Lok Capital is a long-term investor and expects to remain invested in each company for a period of 5-7 years. We are an advocate and ally for our microfinance investee companies but do not engage in micro-management. Lok seeks to adds value to its partner organizations in several ways, some of which include



	Providing strategic management advice (through access to board-level personnel) especially with respect to scaling up and managing growth in a financial institution
	Offering institutional development services: identifying and helping hire appropriate expertise, designing/improving MIS, process reengineering, strategy formulation
	Financing, especially with respect to raising equity capital; deepening financial relations with Indian and foreign banks and multi-laterals, and providing advisory support on financial engineering
	Offering IT development services: in the form of strategic and operational consulting on system architecture and technology
	Networking, marketing, and brand-building