Billion $ Financial Services Limited Company (BFSL) is a startup NBFC (Non-Banking Financial Company) founded by ex – senior management (state and national) level employees of a leading NBFC in India. NBFCs form a vital part of the Indian Financial System. NBFCs have been effective in addressing the underserved and unbanked areas. NBFCs act in as a complementary and supplementary manner to Banks in serving low-income families and MSMEs.