Ambit Finvest is an RBI registered NBFC

About Ambit Finvest

At Ambit Finvest, we focus on providing our clients with hassle-free and quick loans, taking a holistic view of their needs and challenges. As a dedicated NBFC, we pride ourselves on offering tailored loan solutions paired with excellent customer service. Inspired by the abacus, our solutions offer valuable insights that benefit all our stakeholders. Our business acumen allows us to understand the challenges affecting the MSME sector, and through smart loan solutions, we aim to support our clients' profitability, resulting in sustainable growth for both them and ourselves.

Ambit's defining value: Our ability to deliver the right solutions on time, ensuring a smooth and hassle-free loan journey with outstanding customer support every step of the way.

At Ambit Finvest, our vision is to revolutionize the lending industry by becoming the premier choice for clients seeking quick and hassle-free financial solutions. We envision a future where every client's business growth is characterized by seamless experiences, personalized attention, and unparalleled support. By leveraging cutting-edge technology and a deep understanding of market dynamics, we aspire to set new standards of excellence in customer service, driving sustainable growth for our clients and ourselves.



Holding oneself accountable for delivering results first. Holding others accountable second. Taking ownership and responsiility for all results, good or bad.

Client Centricity

Active listening with empathy for understanding "super needs" of clients and creating unparalleled with speed and agility. Continously surpassing the bar set by clients. Innovating through better products, solutions and services that attract the best clients and delight them by surpassing expectations.


All businesses work seamlessly with each other. Trust , responsiveness and reliability is the plank on which cooperation is built. Ideas are respected and valued and everyone is respected to with grace.Clients ,peers and the outside world see us as "One Ambit".


Inspiring a culture wherein prime importance is placed on respect and dignity of every individual. Generosity and sharing our intrinsic to our actions. Being fair and considerate and providing a chance to be heard to every employee.


Strong sense of ownership and drive. Consistently identifying new opportunities. We have the curosity and courage to make choices with the ability to take calculated risks,innovate and take charge-to run with tasks and activities independently with little or no supervision.


Continous learning is the foundation for excellence. Flawless quality is all its form content, presentation and execution for both internal and external purposes.Being a game changer.


Truthfulness and Honour are foundations. Doing what you say and Uncompromising levels of integrity and transparency are critical. Aligning individual goals to those of the firms to avoid any conflict of interest.


Rewards, Growth and Development opportunities are clearly differentiated basis performance. Comprehensive and fair evaluation of performance, potential and living company values,forming the basis for rewards, employee career development and growth.

Management Team

Non-Executive Chairman

Mr. Sanjay Sakhuja oversees the Balance Sheet business of Ambit. He has been with Ambit Group for over 20 years. He led the Investment Banking Business as its first Non-Promoter CEO from 2009 to 2013. He started Ambit’s Principal Investment Business in 2013 and led it till 2017. Since 2018, he has been overseeing the Lending Business as Executive Chairman of Ambit Finvest. He continues to be an Executive Director at Ambit Private Limited, the holding Company.

Prior to joining Ambit, Mr. Sakhuja worked with Lazard, Arthur Andersen, Indal, and Citibank. At Ambit, he has worked across verticals, including Banking, Financial Services, Insurance, Auto, FMCG, and Industrials, and has advised numerous local and global clients on Mergers and Acquisitions, Divestitures, and Fund-raising transactions.

Mr. Sakhuja is a qualified Chartered Accountant and has also completed an Advanced Management Program from the Wharton Business School. He holds a B.A. (Hons) in Economics from St. Stephens College, Delhi.

CEO and Whole Time Director

Mr. Sanjay Agarwal is the Chief Executive Officer of Ambit Finvest Private Limited. Before joining Ambit Finvest, Mr. Agarwal established Finmax Credit and Finance Pvt. Ltd., a retail NBFC that was later acquired by the Ambit group. Under his guidance, the SME Lending business has had remarkable growth in AUM i.e. CAGR of over 80% since September 2018.

With nearly three decades of experience in the financial services industry, Mr. Agarwal exemplifies a strong entrepreneurial drive, exceptional business acumen, and robust credit underwriting skills.

Notably, during his tenure at Yes Bank, he successfully built an MSME lending book worth over INR 18,000 crore, disbursing loans exceeding INR 35,000 crore. He established and expanded the MSME lending team of over 800 members, extending Yes Bank's reach by 110 locations.

While serving as the Head of Risk at Standard Chartered Bank, Mr. Agarwal played a pivotal role in the introduction of the Unsecured Business Loan Product for SMEs. This product has now become a standard lending template in the industry.

Moreover, he has held significant leadership positions in esteemed organizations such as Centurion Bank of Punjab, SIDBI, and SBI Commercial & International Bank Ltd.

Throughout his illustrious career, Mr. Agarwal has facilitated the disbursal of over INR 1 Lakh Crore in loans within the MSME lending space, showcasing his deep expertise and remarkable contributions to the industry.

In 2010, ICAI had conferred him with the prestigious “Professional Achievers Award” for his exceptional achievements as a professional. In 2015, he was honoured with a Certificate of Recognition for enhancing the brand image of ICAI.

Mr. Sanjay Agarwal is a Chartered Accountant (Rank holder) from The Institute of Chartered Accountants of India and a Cost Accountant from The Institute of Cost and Works Accountants of India and has a Bachelor's degree in Commerce from Mohanlal Sukhadia University, Udaipur, Rajasthan.

Deputy CEO and Whole Time Director

Mr. Vikrant Narang is the Deputy CEO of Ambit Finvest Private Limited. He has played a pivotal role in building the Retail SME Business at Ambit Finvest, including setting up credit and operational policies and processes, rolling out the branch expansion strategy, portfolio management, and treasury operations.

Mr. Narang has more than two and a half decades of experience in the financial services industry across building retail MSME business, corporate finance, debt and equity capital markets, and structured capital raising solutions. Prior to joining Ambit, he was a senior member of the KKR (NBFC) business, where he originated and underwrote numerous lending transactions. Previously, he was a Director at Barclays Capital (Investment Banking), responsible for client coverage across large Indian Groups, mid-market clients, and financial sponsors. Mr. Narang also worked in the Investment Banking division at ABN AMRO Bank and PwC. He has managed relationships across industries and diligence and managed portfolios for several years while being part of KKR, Barclays, and ABN AMRO. Extensive specialized experience across structured credit, acquisition financing, syndicated loans, and corporate finance advisory in onshore and offshore markets.

He is a member of the National Forum on NBFCs and HFCs of the Confederation of Indian Industry (CII) and the National Committee on NBFCs of the Federation of Indian Chambers of Commerce and Industry (FICCI).

Mr. Vikrant holds B.A. (Hons.) Economics from SRCC, University of Delhi. He is also a qualified Chartered Accountant from the Institute of Chartered Accountants of India.

COO, CFO and Whole Time Director

Mr. Sanjay Dhoka is the Chief Operating Officer (COO) & Chief Financial Officer (CFO) of Ambit Finvest Private Limited. He is part of the senior leadership team at Ambit Finvest and plays a key role in business planning and strategic decisions. Mr. Dhoka leads the Operations, Finance & Accounts, Treasury, Admin, Regulatory Compliance, and Internal Control functions at Ambit Finvest. He also manages the company’s relationship with its various stakeholders.

Mr. Dhoka has around 30 years of cross-functional expertise from NBFCs to stockbroking and manufacturing and mining industries. He has worked at major companies such as Karvy Financial Services, the Anand Rathi Group, the Aditya Birla Group, and SOCGEN-Crosby Securities. Since 2010, he has been associated with the Ambit Group.

He has played an instrumental role in setting up and growing the NBFC arm of Ambit Group and has also been a member of the Board of the company since May 2011. He is a qualified Chartered Accountant from The Institute of Chartered Accountants of India and possesses a Bachelor's degree in Commerce from the University of Ajmer, Rajasthan.

Independent Director and Chairman of Risk Management Committee and IT Strategy Committee

Mr. K M Jayarao is a career banker and held various senior positions at ICICI Bank Limited. He superannuated from ICICI Bank in 2017 after serving the institution for about 35 years. Post his retirement, he joined Ambit Flowers Asset Reconstruction Company Limited (a joint venture company of Ambit Pvt. Ltd. and JC Flowers, USA) as Executive Vice Chairman to spearhead the company’s plans to raise an offshore fund, acquire assets from banks, and help create value through various resolution strategies.

Mr. Jayarao has vast experience in Corporate Banking, Project Finance, Corporate Debt Restructuring, and Risk Management. He headed the Special Asset Management Group (SAMG) in ICICI Bank and was involved in several Corporate Debt Restructurings, one-time settlements, asset sales, and recoveries through courts. Mr. Jayarao was also a member of the sub-committee of the RBI that issued the operational guidelines for ARCs. He headed the Risk Management Group of the bank and its banking subsidiaries, significantly expanding the role of risk management during this period. Mr. Jayarao was also appointed as a Nominee Director of the bank on several corporate boards. He retired from the services of the bank on 31st March 2017.

Currently, Mr. Jayarao is a member of the Board of Directors of Ambit Finvest Private Limited and a member of the expert committee of ICICI Prudential Real Estate Fund and Corporate Credit Opportunities Fund.

Mr. K M Jayarao has a bachelor's degree in Mechanical Engineering and attended management programs conducted by the University of Michigan School of Executive Education Centre and JP Morgan.

Independent Director and Chairperson of Nomination and Remuneration Committee and Corporate Social Responsibility Committee

Shalini Kamath is an Independent Director, Transformation Strategist, and Executive Coach.

Her Board positions include Abbott India, Borosil Glassworks, Johnson Controls - Hitachi, Maple Infra InvIT, Ambit Finvest, TRRAIN, and CSCGA.

As a Transformation Strategist, she assists organizations through their change and transformation journey to enhance productivity, efficiency, processes, systems, and organizational culture. She is a certified and practicing Executive Coach, having completed numerous assignments across Financial Services, Logistics, Agri, Manufacturing, and Consumer industries.

Her Human Resources career spans close to a decade and a half with Group HR Head positions for Chevron Texaco India (Oil & Gas), Star India (Media & Entertainment), KPMG India (Consulting, Audit & Taxation), and Ambit Holdings (Financial Services & Investment Banking). Prior to her roles in HR, Shalini was the Deputy Marketing Director at Raytheon India, responsible for Business Development of large multi-million dollar programs in the areas of Defense & Commercial Electronics.

Shalini began her working career in Zambia and Botswana in Southern Africa. Over a decade, she worked with the governments of both countries and acquired extensive experience in tripartite partnership projects related to community-oriented income generation programs.

Non-Executive Director, Ambit Finvest
Group Chief Executive Officer, Ambit

Ashok Wadhwa is the Non-Executive Director of Ambit Finvest Private Limited and Group Executive Officer of Ambit. Ashok founded Ambit in 1997 and has been responsible for building Ambit into one of India's premier full-service Investment Banks.

Alongside Ambit, he co-founded RSM & Co., a tax advisory firm. He built RSM into a world-class Indian consulting house over a decade, which then merged with PricewaterhouseCoopers in 2007. Widely regarded as an incisive investment banker, Ashok has steered a broad gamut of transactions across sectors and geographies.

He is the recipient of several awards, including the Priyadarshini Academy award for Outstanding Contribution in the field of Financial Management. Before founding Ambit, Ashok was Managing Partner, Arthur Andersen, Mumbai. He is very active in industry forums and has in the past served as President of Bombay Chambers of Commerce and Industry (BCCI), Member, Managing Committee, Federation of Indian Chambers of Commerce and Industry (FICCI) and Member, Managing Committee, Young Presidents’ Organization (YPO).

Ashok is a Chartered Accountant and Law graduate from the University of Mumbai.

Non-Executive Director and Chairman of Audit Committee

Mr. Ameet Parikh is the Managing Partner of Morphis Business Advisory, a successor to Tranzmute Capital & Management, a company he co-founded in 2011. Ameet is a Chartered Accountant from The Institute of Chartered Accountants of India and a law graduate with over 34 years of professional services experience.

After qualifying as a CA in 1984, Ameet started his career with Arthur Andersen during its start-up phase in India. He held leadership positions at Arthur Andersen and Ernst & Young.

Mr. Parikh founded Axis Risk Consulting, an independent and focused risk consulting organisation, which was acquired by Genpact (NYSE: G), a US$ 2.5 billion company. He continued to serve as Axis’s Managing Director until 2010 and expanded the practice to Genpact’s global clients across several countries.

Mr. Parikh has served companies principally in the Health and Life Sciences, Manufacturing, Technology Services, Business Process Outsourcing, and Advertising industries.

Non-Executive Director

Kentaro Konishi has held multiple management positions over the past eight years. From 2015 to 2018, he served as the CEO of Daiwa Capital Markets India, overseeing their operations in equity broking and investment banking in India. Between 2018 and 2019, he led their Shanghai operations, focusing on M&A advisory services in China. Following this, from 2019 to 2022, he held the position of President at Daiwa Cathay Capital Markets, managing equity broking activities in Taiwan. Between 2022 and 2024, he served as Deputy President of Daiwa Capital Markets Singapore Ltd, where the company conducts operations in equity broking, fixed income, wealth management, and investment banking operations. Since 2024, he serves as a Head of International Business Planning Dept in Daiwa Securities Group Co. Ltd.

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