Usha Financial Services Limited is a non-banking financial company (NBFC) that provides tailored lending solutions, credit facilities, and financial services to micro, small, and medium enterprises (MSMEs), corporate entities, institutional borrowers, and individuals across India. Founded in 1995 and headquartered in New Delhi, India, the company operates within the diversified financial services sector, delivering structured debt and credit solutions to underserved and emerging commercial segments. Usha Financial Services structures its core operations across wholesale, commercial, and specialized lending verticals; its product and service portfolio comprises wholesale credit facilities and on-lending lines extended to other non-banking financial companies and microfinance institutions; secured and unsecured MSME business loans for working capital management, capacity expansion, and capital expenditure; corporate lending solutions, structured debt financing, and bridge credit facilities; loan against property and secured asset financing for business enterprises; and green energy credit solutions encompassing electric vehicle financing and sustainable commercial projects. In recent developments, the company successfully completed its initial public offering on the NSE Emerge platform in October 2024 under the ticker USHAFIN, raising equity capital to augment its tier-1 capital base, expand its overall loan book, and meet working capital requirements. Furthermore, Usha Financial Services has expanded its strategic co-lending partnerships with emerging fintech platforms, upgraded its digital loan origination and risk underwriting infrastructure, and extended its operational footprint into high-growth Tier-2 and Tier-3 economic clusters across northern, western, and central India.