Turning skills into the most bankable asset in India.
Lakshya exists to solve a fundamental gap - millions of capable youth have skills, but no access to capital.
Today,
- Students struggle to finance quality training
- Training partners focus on fees, not outcomes
- Employers face a shortage of job-ready talent
We are building the missing layer - a connected ecosystem that brings together students, training partners, lenders, and employers. Lakshya enables financing based not just on past income, but on future earning potential - making skills truly bankable.
Delhi office
Delhi office is open.
Bhikaji Cama Place, New Delhi
We inaugurated our office so young people aged 16-35 can walk in, get a skill score, and apply for a skill loan, a personal loan, or a placement pathway on one rail. Come meet the team that underwrites the skill, not the collateral.
Apply for a skill loanOffice inauguration · Bhikaji Cama Place, New Delhi
Three principles. One rail.
Every product we ship - Skill Score, the partner APIs, the outcome-linked credit stack - ladders up to the same three principles.
Score the skill
Every pathway graded on demand, income, sector and geography. Auditable, not opinion.
Finance the outcome
Capital follows verified skill - not collateral. Risk priced to employability, not family balance sheets.
Close the loop
Candidates, training partners, lenders and employers on one rail. Every outcome reported back.
“A skill, properly scored, is as bankable as any salary slip. Our job is to prove it - and make that proof usable by every bank, training partner and employer in the country.”
Vinita Jain
Founder & CEO, Lakshya
Livelihoods, not line items.
The rail only matters if young Indians come out the other side with a job, a business, or a future they can bank on.
~1,00,000
Kerala pipeline target
8 sectors
Domestic + global pathways
Women-led
Dedicated founder scheme
4 + 5
NBFC & training partners
Our Team
Vinita Jain
Founder
- 19+ years NBFC experience across affordable housing and MSME segment as Head Strategy, DVP, AVP – Products.
- Led 400+ member team across 7 states in sales, collections, fund raising, and risk.
- Built AUM ₹1,400 Crs with 0.50% GNPA.
- Led national-scale blended finance at NSDC as VP Impact Finance.
- Deep operational expertise in distribution, underwriting, and collections.
- Roles at Roha Housing, Capri Global & L&T Finance Ltd.
- Chartered Accountant (2005) and IIML Alumni.
Jaymin Mehta
Co-Founder
- 18+ years experience in NBFCs across Risk, Policy and Underwriting for affordable housing and LAP products.
- Leading national policy for Bharat Mortgage Product for Kotak Mahindra Bank.
- Deep operational expertise in Risk and underwriting frameworks for the MSME sector with Kotak, Hero Housing, Capri Global & ICICI — mainly dealt in thin-file customers.
- A Chartered Accountant, Registered Valuer (Securities & Financial Assets) and Social Impact Assessor.
Guided by people who've built the space before.
Senior advisors across skilling, training and policy who help steer Lakshya's model and standards.
Incubated and supported by leading institutions.
Lakshya is nurtured within India's premier innovation and entrepreneurship ecosystems.
IIMA Ventures
IIM Ahmedabad Ventures
The startup incubation and entrepreneurship platform of IIM Ahmedabad, supporting founders building for impact and scale.
PIERC
Parul Innovation & Entrepreneurship Research Center
Parul University's innovation and entrepreneurship centre, nurturing early-stage ventures through mentorship, research and incubation support.
Institutional partners who believe in the model.
Lenders, training partners and advisors aligned on one principle: responsible, skill-first financing of India's youth.
NBFC Lending Partners
4 onboarded
Training Partners
5 active
Institutional Advisors
Growing
Ecosystem Partners
Expanding
Hear from people who made it.
Hover a portrait to watch Nargis and Priyanshi. Skill finance funded the language training that got them moving.
HappyYouths
Nargis
Priyanshi
“While studying GNM Nursing, I discovered the amazing opportunities for nurses in Germany — but funding the German language course was my biggest hurdle. Skillbee introduced me to Lakshya Skill Learning, who helped me secure the financing I needed. Now my dream of nursing abroad finally feels within reach.”
— Nargis Jahan
GNM Nursing Student · Jaipur, Rajasthan
“I always wanted to take my nursing career to Germany for the great pay and work-life balance, but I couldn't afford the cost upfront. Skill Financing changed everything — a simple loan with no repayments until I actually start working in Germany. It took all the pressure off and made my dream achievable.”
— Priyanshi
Nurse · Age 22
Join the team building the rail.
Believe skills can change lives at scale? Want to contribute to the infrastructure that unlocks them? Join a team that values your contribution as much as it values the mission.