KSF Logo Apply for Loan   
about us

Mission and Vision


KSFi is a non deposit taking NBFC registered with Reserve bank of India under section 45 IA under licence m/s Kashmir Finance Pvt. Ltd. As a start-up initiative, KSFi's mission as a brand is to focus and enable the aspirations of 0.5 million students in the next 7 years.

The vision is to provide the best in need products in the vocational skill financing space thereby servicing the skill and talent development needs of the growing unmet demands of students and educational institutes.

Founder and Principal


Sharat Kurup is the Founder and Principal of KSFi. Before KSFi, Mr. Kurup had the rare opportunity of being Co-Founder of India's first Education finance NBFC (Credila - An HDFC Ltd company) in the year 2007 in management capacity. The initial investor was DSP Merrill Lynch Capital, post which in 2009 HDFC ltd bought over the company.

Also carries direct extensive Banking experience in a variety of functions including Risk Management, Product development, Operations management, Portfolio Quality and information technology over a period of 16 years. Graduated from Raipur University with a degree in Commerce & Accountancy and also holds an MBA in Finance.

Prior to Credila he was as an Associate Vice President-Credit Policy and Risk at HSBC for Personal Loans, Credit Cards, Mortgages and SME. Before HSBC was with ICICI Bank as Regional Head, for unsecured lending business. Further moved into the central strategy role as National Manager at ICICI headquarters in Mumbai taking care of Risk and Policy Management for Personal loans, Consumer Finance and Loan against Securities.

Started career after a summer internship at GE Capital TFS in 1997, with GE-SBI Credit Cards JV in 1998 (a set-up venture with GE Capital of U.S and State Bank of India), as a Credit Underwriter .Also went on to work with two other companies of GE Capital group in India (GE Capital International Services and GE Countrywide Financial Services) in various Junior and middle management capacities in Underwriting, Operations and Collections for Credit cards, Auto loans, Mortgage Insurance and Consumer Finance

Senior Management


T M Prasanna Kumar is Chief Mentor of KSFI India and brings with him Sales, Marketing, Customer Service and Relationship expertise in Industrial and Institutional Marketing.

Mr Prasanna also carries almost a decade of academic experience and has a rich blend of Engineering and Management experience of first hand training, lecturing and skill development initiatives for a wide range of sectors. He is certified soft-skills trainer & certified trainer on Consumer Affairs.

Mr Prasanna is a Graduate in Mechanical Engineering & MBA in Marketing having about 17 years of experience in industry as well as academics. He is also in the process of completing his PhD

Management Team


  • Nidhi Dutta has almost 10 years of experience in sales, customer service and marketing of financial products with companies like GE Capital, Citibank financial services and also entrepreneurial stint as an Investment consultant. Nidhi is an MBA in Finance and Marketing.

  • Sudhir Nair carries about 15 years in various junior, middle and senior level assignments .Before joining KSFi he was with HSBC as an Assist Vice President taking care of recoveries and collections. He also had worked with some Indian and global leading companies like GECIS, Genpact and GE Capital.

  • K Rajkumar is an MBA in Marketing and HR and has both entrepreneurial as well as professional experience in sales and marketing of about 16 years. Had experience with companies like Amrutanjan, Ravalgoan, Campco and Orpat.

Advisory Team


  • Mr. Dhanraj Bansode is retired from RBI from its Mumbai office as Asst General Manager and has spent about 40 years in various functions in RBI at almost all Divisions.

  • Reshmi P is an IT professional with experience of more than 12 years in leading IT companies with wide range of experience from being business analyst and system architecture to programming, delivery and project management at the highest levels of business. She holds Bachelors and Masters Degree in Computer Science.

  • Sanjay Chopra is a Chartered Accountant and carries about 20 years of experience in Accounts and retail finance. He has also been auditor for various public sector banks and financial institutions

  • D K Pandoh, is a qualified Company Secretary with experience of about 20 years in financial services companies.

© 2011 KSFi Pvt Ltd.- Disclaimer   |   Privacy Policy