People Action for Transformation ( PAT) trust was founded on 2nd May 1997 by two socially inclined personalities Late Mr. Hirudayasamy and Mr. R. Stephen Francis Xavier to implement welfare and social development activities. The Trust has transmitted into a credit NGO to work towards the financial inclusion of underprivileged and excluded from the mainstream banking sector in the year 2003.
PAFT Finance Limited was instituted in 2016 to spearhead the financial inclusion drive of PAT trust in a professional and rightful manner. PAFT is aiming to contribute significantly in the economic empowerment of women folk so that they have a say in the matters pertaining to them and contribute to society development.
As of 31st March 2017, the combined entity is holding a portfolio of Rs 57.48 crores disbursed to 32,202 active borrowers through its 18 branches spread across 7 Districts of Tamil Nadu.


We are a group of social conscious people from different social and economic background founded PAT on 2nd May 1997 as a Social service organization and registered it under Indian Trust Act of 1882. To comply with other legal obligations, it is registered with the Ministry of Home Affairs, Government of India under Foreign Contribution (Regulation) Act (FCRA) to receive foreign grants. It has got Tax exemption status also.