Our Advisors 


Mr. Anshumal Dikshit 

He has spent over 20 years in the industry and interestingly, across five major sectors. He has tasted the waters of Manufacturing, Media, Banking, IT and Hospitality before he embarked on building his own successful venture as a veteran HR consultant. He is an advisor to the Human Resource Department in Margdarshak.
He has done Master of Business Administration in Human Resources from Jaipuria Institute of Management, Lucknow and Bachelor of Arts in Psychology from University of Lucknow.

Dr. Deepak Alok

He has completed his MBA from the Institute of Rural Management, Anand (IRMA)Gujrat, he also holds a Diploma in Business Finance (DBF) from the Institute of Chartered Financial Analysts of India (ICFAI). He has an excellent academic record and has been Eklavya and SRTT Scholar at IRMA. He has 16 years of experience in Risk Management, Microfinance, MSME Finance and project management. He has experience of working in 10 countries of Asia and Africa. He is the co-founder of the company M2i Consulting and as a Partner he leads the development of product lines and oversees the delivery of major assignments.




Mr. Sachin Kumar

He is an SPM Advisor at Margdarshak Financial Services Ltd. He has over 17 years of experience in microfinance and digital finance in India and Asian countries (Indonesia, the Philippines, Nepal, Afghanistan). He has provided consulting and training services to several MFIs and banks in the areas of strategic planning, financial products development, business process (re)engineering, market research, risk management, social performance management.

He heads Samavit Vikas Pvt. Ltd providing research, training and consulting services in the areas of microfinance, agriculture, renewable energy, digital, and fintech space. Additionally, he is working as a Digital and Agriculture Finance Specialist at World Bank, Senior Advisor at Opportunity International Edu finance.

By qualification, he is a commerce graduate from Delhi University, management graduate from the Indian Institute of Forest Management (IIFM), and Law graduate from CCS University.

Mr. Bibhas Kumar Srivastava

He is M. Sc. (Ag)-Postgraduate in Agriculture with Specialization in Animal Husbandry and Dairy Science from Banaras Hindu University in the Year 1977.He has a banking experience of 37 long years from 1979 to 2015and was inducted in Allahabad Bank as an Agriculture Field Officer. He held various responsibilities there from lowest level of officer to the level of General Manager. He has varied experience in different walks of banking, but he has expertise in lending for priority sectors, farmers, Micro and Small enterprises and rural and urban poor.  He has expertise in implementing technology solutions in banks. He headed two Regional Rural Banks sponsored by Allahabad Bank in the State of Uttar Pradesh. He served Corporation Bank for almost three years as Executive Director, a Board-Level position.

Currently he is on the Board of Cent Bank Home Finance Ltd, a housing finance subsidiary of Central Bank of India, as an independent director since August, 2018. This is a Board-Level position. The overall responsibility is monitoring and review of development and risk management in the Company.

He is also working as Advisor in Credit and Audit & Quality Control at Margdarshak Financial Services Ltd. Apart from this role he has been involved in reviewing the Social Performance Management and CSR functions at MFSL. He is also engaged in matters relating to Personnel functions of the Company such as mentoring of trainees and newly recruited staff and annual performance review of officers/executives.


Mr. U S Lal

He has done B.A. LLB and LLM from University of Allahabad, U.P and registeredwith Bar Council of Uttar Pradesh as an advocate in 1980. He has joined as Legal Officer in March 1986 in IDBI. He has come to deputation to SIDBI w.e.f April 1990. He was elevated to the position of Chief General manager, Legal and was heading the Legal, NPA recovery, Administration and Premises verticals till June 2018. He has also advised bank on all issues relating to policy formulation in credit dispensation, NPA recoveries, investment agreements, litigation and industrial disputes. He guides the legal and compliance department of Margdarshak Financial Services Limited.


Mr. Kamal Kumar

He is a Postgraduate in Chemistry, Postgraduate Diploma in Human Resource Management and Certified Associate of Indian Institute of Banking and Finance. He has more than three decades of working experience with NABARD specializing in the areas of Credit Planning, District Development, Microfinance, Gender Issues, Financial Inclusion, Livelihood Mission, Rural Entrepreneurship, Supervision of Banks, Institutional Development and Information Technology. He has exposure to financing Rural Infrastructure and Warehousing Scheme & Accreditation Norms of WDRA. He has worked at the field level as District Development Manager in Rajasthan for 7 years working extensively with NGOs & Government Departments for the promotion, development & financing of SHGs, JLGs and Farmers Club.

He has served as a Nominee Director on the boards of various Gramin Banks (RRBs) in Rajasthan & Assam and Assam State Cooperative Bank Ltd. Before joining NABARD, he worked with the UCO Bank. He has also worked as Faculty Member in the field of microfinance, Rural Non-Farm Sector, Finance and HR at BIRD, Lucknow. He has conducted Workshop on Better Agri-lending Practices in association with FICCI & FAO; Financing Value Chain in association with FAO at KIIT School of Rural Management and Training Programs for Commodity Exchange. He has undertaken consultancy assignments with NABCONS; MCID, NABARD and microfinance. He has also worked in various fields in the North East states of the country. He is an advisor for skill development, HR and SPM related aspects in Margdarshak.

Our Consultants

Positron Consulting Services

Positron Consulting Services is Mumbai based a unique management consulting and investment banking firm, consisting of senior management professionals who bring in multi-domain experience to solve our clients’ business needs. Positron’s mission is to “Help Clients Succeed” and to achieve this objective, Positron engages with clients in a “Quasi Employee” approach over the long term, in advisory and implementation roles. Positron aims to be “catalysts for change” for its clients and to assist them in building sustainable success.

JRL Financial Services Ltd.   

JRL Group is a leading provider of Financial & Corporate Advisory Services in India with offices in Mumbai, Kolkata, Delhi, Singapore and London. In last 3 decades with Asset Under Advisory of over INR 8000 Crores (USD 1bn+), we rank amongst top 5 advisory companies in the financial services segment in India. The Group provides customized solutions in Asset Management, Corporate Finance, Investment Banking and Venture Capital to Corporate, Institutional Investors, Family Offices and HNIs.

Unitus Capital

Unitus Capital is a Bengaluru based company which provides advisory and capital-raising services to help businesses scale and positively impact society and the environment. It is a financial advisory firm specializing in arranging capital for microfinance institutions (MFIs) and other social impact enterprises benefiting those at the bottom of the economic pyramid. Based in Bangalore, India, Unitus Capital delivers a range of financial advisory and capital market services to clients in India and the rest of Asia, and is planning to expand soon to other markets.

Deloitte Advisory & Consulting LLP

Deloitte a London, UK based consulting firm that provides industry-leading advisory, consulting & financial advisory services to many of the world’s most admired brands, including nearly 90% of the Fortune 500® and more than 5,000 private and middle market companies. Their team work across the industry sectors that drive and shape today’s marketplace — delivering measurable and lasting results that help reinforce public trust in our capital markets, inspire clients to see challenges as opportunities to transform and thrive, and help lead the way toward a stronger economy and a healthy society.


True Coin Capital Advisory 

True Coin Capital Advisory Services Limited is a Delhi based company which acts as a debt consultant and provide the various debt related activities to the organization which includes activities auxiliary to financial inter-mediation like Activity of financial advisers, in addition to this they support the organisation in following activities like inspiring clients to see challenge as opportunities to transform and thrive, assisting the clients in building sustainable success.

Accela Fiduciary Services Pvt Ltd.

Accela Fiduciary is Bengaluru based company which act as an exclusive management consultant and advisor with respect to the business partnership with the Investor Lender and its affiliates, with regard to the associated services like: Partnering with the Partner for identifying and disbursing microfinance/ JLG/ SHG/ individual loans or any other loan product that the Company, Process & Set-Up Support, Finance & Reporting Support, Technology Enablement, Compliance & Regulatory Support