About our company


Yogakshemam Loans Limited (formerly Yogakshemam Kuries & Loans Private Limited) had its modest beginning in the unassuming environs of Anthikad, a small village in the Thrissur district of Kerala State in the year 1991. The company was registered as a Non Banking Financial Company with the Reserve Bank of India in the year 2000 – 01. The Company having shifted its base to the heart of Thrissur Town currently operates in the 3 Southern States of Kerala, Tamil Nadu and Karnataka and has 112 branches. Originally promoted by Mr. N D Narayanan, a native of Thrissur, the Company and its promoters teamed up with Mr. Unnikrishnan I., a Chartered Accountant by qualification & a former MD of a leading NBFC and Mr. Ramachandran Ottapath, a Chartered Accountant by qualification and the current CEO of Choppies Group, Botswana in the year 2015. Further augmenting the capital base of the company to broad base its products offerings and to go for spatial expansion beyond Kerala Mr. I Unnikrishnan, Managing Director & CEO was named its Promoter. The strong legacy of the Company and its Management in the Gold Loan Sector has helped leverage and diversify its product offering to a variety of financial products in addition to gold loan. The objective of the company is to become a well-recognised NBFC with a diversified asset class.

Our Vision

“To emerge as the most trusted financial solution provider in India, with special focus on emerging segments of society, through a nationwide, efficient and service oriented network.”

Our Mission

Our organization will strive to provide the best financial solutions to the customers with the highest levels of professionalism in every aspect of their dealings with them. All interactions with our stakeholders would be based on our core values of ethical, transparent and trustworthy conduct in an effort to create and enhance confidence in them. Our dedicated team will always remain committed to delivering genuine value to all its stakeholders through innovative ideas using appropriate technologies matched by high level execution capabilities and standards. We would ensure a culture of learning (and unlearning wherever required), in the team, in order to achieve the highest standards of service excellence that would exceed expectations of customers, employees, shareholders and all stakeholders. Courteous approach, commitment to service, empathy, a deep sense of integrity and transparency in dealings will be the hallmark of the organization. We shall acknowledge, share and appreciate the achievements of each member of our family in the true spirit of camaraderie and fealty. Above all, each member of our family shall strive to be a better human being.