Ep – 77
26 Feb 2026
In this special episode of Simple Hai., our cofounder and editor-in-chief, Vivek Law speaks with Ashish Mehrotra, MD & CEO of Northern Arc Capital, on how disciplined risk management and social purpose must go hand in hand in India’s next phase of financialisation.
Drawing on nearly three decades across retail banking and impact credit, Mehrotra explains why finance always begins and ends with risk. At Northern Arc Capital, that philosophy translates into deep underwriting, data-led credit models and strong ground intelligence across hundreds of districts. The firm connects institutional capital to underserved segments including MSMEs, microfinance, vehicle finance, affordable housing and climate-linked lending, while maintaining consistent profitability.
The conversation also explores profitable impact, retail bond market access, and how structured capital allocation enables both growth and resilience. Mehrotra shares practical insights on wealth creation, highlighting discipline, risk-adjusted returns and patience as core principles.
He also stresses why personal health insurance is foundational financial protection.
From financial inclusion to India’s digital infrastructure advantage, this episode offers a grounded view of how purpose-driven finance can scale sustainably.
#SimpleHai #AshishMehrotra #NorthernArcCapital #Financiallnclusion #MSMEs #ImpactFinance #RiskManagement #WealthCreation #IndianEconomy #PersonalFinance
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