TransformingBusiness GrowthDrive Success
Turning IdeasInto MeasurableOutcomes
Credit extended with discipline
Cicago Commodities Private Limited is an RBI registered, non deposit taking non banking financial company, incorporated in 1994.
We are a secured lender to enterprises across semi-urban and Tier 2–4 India, underwritten in person and backed by collateral. Everything we do rests on one principle: discipline. Growth never outruns prudence.
Selective
Each opportunity is assessed individually through on-ground due diligence, local market knowledge, and direct borrower interactions. Rather than relying solely on automated dashboards or generic scoring models, we evaluate the complete context before making a lending decision.
Disciplined
We lend responsibly, staying within clearly defined risk limits and maintaining strict underwriting standards throughout the entire lifecycle of every loan. Continuous monitoring, prudent decision-making, and long-term accountability guide every investment we originate.
Guided by discipline, trust and responsible lending
Vision
To be the most trusted name in inclusive lending recognized by borrowers, lenders, and regulators for fairness, responsible credit practices, and consistent service quality.
Mission
To expand access to formal credit for underserved micro, small and medium enterprises across India, through responsible, sustainable and transparent financing solutions.
Values
As an organization, striving to make a true difference in the lives of millions of small businesses, Cicago would always maintain high standards of ethics, transparency in all its dealings.
Prudence before pace.
Underwriting before volume.
Fairness to borrowers. the RBI Fair Practices Code, in letter and spirit.
Compliance as the floor. not the target.
Built to lend through cycles
Three decades through multiple credit cycles have taught us that asset quality compounds; volume does not
The book at a glance.
Growth in step with what the book can carry.
The book has reached ₹134.07 crore a five-year compound growth rate near 16% grown conservatively borrower by borrower.
Selective
Risk priced case by case, in person not from a dashboard.
Disciplined
We lend within our means, and we hold what we originate to the same standard through the life of the loan.