Vaibhav Kulshrestha

Vaibhav Kulshrestha is the Founder, Chairman, and Managing Director of My Mudra Fincorp Limited (NSE Emerge: MYMUDRA | CIN: L65191DL2013PLC257611), a Delhi-based fintech company established in 2013. My Mudra Fincorp Limited completed its IPO in September 2024 and is listed on the NSE Emerge platform of the National Stock Exchange of India. Vaibhav Kulshrestha is widely recognised as the youngest chairman of an NSE-listed public limited company in India — a distinction earned through over a decade of building a financial services platform that has served more than 99,000 borrowers across the country.

Vaibhav Kulshrestha built My Mudra on a straightforward observation: the gap between a borrower's need and a lender's offer is almost never about creditworthiness — it is almost always about access and information. His work at three major banks showed him that the same applicant, presenting the same documents, could be approved or rejected based entirely on which lender they happened to approach first.

My Mudra addresses this by sitting between the borrower and the lending system — comparing offers across 90+ institutions in real time and routing each applicant toward the lender most likely to approve their specific profile. The result is fewer rejections, better rates, and a loan process that does not require the borrower to understand the internal risk models of every bank in India.