Kshama Fernandes
Chairperson @ Northern Arc
Chennai, India
Kshama Fernandes is a debt financing investor at Northern Arc in Chennai focused on Financial Services and FinTech. Kshama Fernandes has been the Chief Executive Officer and Executive Director of IFMR Capital Finance Private Limited and serves as its Managing Director and Senior Partner. Kshama Fernandes served as the Chief Risk Officer and Head of Risk Management at IFMR Capital Finance Private Limited. Prior to joining IFMR Capital, she was Professor and Headof Finance at Goa Institute of Management. She has worked on consulting assignments for the World Bank, the Chicago Mercantile Exchange, Ministry of Finance, Government of India, and NSEIT. She developed the SEBI mandated certification programme for derivatives for the National Stock Exchange (NSE) and NCDEX. Kshama Fernandes is a Director of IFMR Investment Managers Private Limited. She has extensive experience across financial advisory, consulting, and academia.
- Total investments:
- 8
- Last investment:
- Lead investor:
- 100%
Last updated:
For AI agents: llms.txt
Industries Kshama Fernandes invests in
Stages Kshama Fernandes invests in
Countries Kshama Fernandes invests in
Contacts
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| Work phone | ||
| Personal phone | ||
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Investment Focus
Industry
- Financial Services 6 (75%)
- FinTech 3 (38%)
- Small and Medium Businesses 2 (25%)
- Apps 1 (13%)
- Credit 1 (13%)
Investments
| Company | Description | Round | Links |
|---|---|---|---|
| Origo Commodities, a complete post-harvest management services for agricultural commodities, is the fastest growing company in its sector. | $4.7M / Debt Financing / Oct 27, 2020 | ||
| Shiksha Finance is a RBI licensed Non Bank Finance Company (NBFC) providing loans for asset creation, working capital and school fees in the education sector.Their loans are targeted at education entrepreneurs who seek to improve access to quality education with a particular emphasis on middle and low-income communities. Such entrepreneurs aretypically driven by a mission to deliver higher quality education outcomes for children in their neighborhood. It is not uncommon for such schools to face a lack of funds to expand their classrooms and physical infrastructure, besides having inadequate access to academic and extracurricular tools for their students. This lack of capital is what Shiksha Finance aims to address, by providing finance and loans. | $4.2M / Debt Financing / Oct 23, 2019 | ||
| Kanakadurga Finance offers financial solutions to rural, semi-urban and urban borrowers. | Debt Financing / Aug 13, 2019 | ||
| Chaitanya India Fin Credit is an NBFC-MFI and a wholly owned subsidiary of Svatantra Microfin Pvt. Ltd. | Debt Financing / May 16, 2018 | ||
| Aye Finance is a finance company that provides business loans to micro and small businesses in Northern India.The company's mission is to provide innovative and customer-centered financial services to micro and small business through effective technology and robust processes. It works with a relevant technology to facilitate better financialinclusion and to consequently serve micro-enterprises.Aye Finance was founded in 2014 and is headquartered in Gurgaon, Haryana, India. | $6.3M / Debt Financing / Jan 24, 2018 | ||
| Fr8 is a next-generation long haul logistics company that solves the inefficiencies in the logistics landscape through the adoption of technology.FR8's technology platform connects Customer, Transporter, Truck Driver and the Truck seamlessly. We own the entire customer experience, whilst aiding the price and route optimization to reduce thecost of operations for the customers. | $1.6M / Debt Financing / Nov 28, 2017 | ||
| CASHe is a fin-tech product from TSLC PTE. LTD. and is as unique as the young professionals it serves. In a smart digital world, CASHe offers millennials quick and easy personal loans through processes that are transparent, innovative, and tuned to the times. CASHe utilizes sophisticated algorithms and machine learning capabilities to deliver anamazing and improved lending experience to our customers, thereby helping young professionals achieve their financial goals effortlessly. An app that offers instant transfer of funds for approved applicants. | $3.1M / Debt Financing / Oct 23, 2017 | ||
| Fibe is one of India’s leading consumer lending apps focused for every credit need of the young, aspirational and tech-savvy Indian. | $781.7K / Debt Financing / Sep 07, 2017 |
Co-Investors
About Northern Arc
Northern Arc Capital is a non-banking finance company that provides access to debt for under-served investors and businesses. Northern Arc Capita connects originators so that they may deepen their presence and provide access to financial services to millions of under-served households. Northern Arc Capital formerly Known as IFMR Capital.
Northern Arc Contacts
| Name | Phone | Socials | |
|---|---|---|---|
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Kshama Fernandes
Chairperson
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Pardhasaradhi R
Chief Risk Officer
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Ashish Mehrotra
MD and CEO
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Salil G Nair
Chief Technology & Information Officer
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FAQ
What does Kshama Fernandes invest in?
Kshama Fernandes invests primarily in Financial Services, FinTech and Small and Medium Businesses startups, most often at Debt Financing stage. Most of the 8 investments tracked by Shizune back companies in India. The Investment Focus section breaks down every industry, stage and country in the portfolio.
How do I contact Kshama Fernandes?
Public channels for Kshama Fernandes include LinkedIn. For a verified work email and phone number, create a free Shizune account — contact data is searched across 20+ sources and validated before delivery, so your outreach lands in the right inbox.
When did Kshama Fernandes last invest?
The most recent investment recorded for Kshama Fernandes closed in Oct 2020. Shizune tracks 8 investments in total for this profile, including round sizes, stages and portfolio companies, all sourced from confirmed public funding rounds and refreshed monthly.
Is Shizune's investor data accurate?
Yes — every stat on this profile is calculated from confirmed public funding rounds monitored across hundreds of sources since 2020. This profile was last refreshed in Oct 2026 and is updated monthly. Spotted something off? Use the “Suggest an edit” link near the top of the page.
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