Janalakshmi Financial Services (JFS)

Janalakshmi Financial Services (JFS), an urban microfinance institution, and Janaaadhar, an urban affordable housing developer, are subsidiaries of Janalakshmi, a non-profit holding company. The core pillars of the JFS model are a relentless focus on the customer and the customer's needs, the pervasive use of cutting-edge technology, and a deep and disciplined management team. As of September 2011, it operated in 47 cities in India, servicing close to 800,000 clients.