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.
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.
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
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.