AboutEttutharayil Finance

Ettutharayil Group was established in 2001 with a vision to provide stable and secure financial solutions that cater to the changing needs of people. A company with a conscience, Ettutharayil has grown from strength to strength, inspiring trust and loyalty in clients, through exceptional business practices.

What commenced as a dependable chits service has diversified into three independent, yet equally trusted entities – Ettutharayil Finance, Ettutharayil Chits Private Ltd. and Ettutharayil Nidhi Ltd. Ettutharayil Finance has now become an NBFC with more service offerings for our customers. Ettutharayil promises to focus on ‘growth’ that works for you – growth that ensures security and growth that targets prosperity.


To understand the challenges of the present scenario and ethically cater to the community’s changing financial needs; in turn, become the most preferred and recommended financial partner among all classes.

Vision 2025

Our vision for the year 2025 is to strengthen our presence with 40 branches across Kerala, and expand the scope of our horizon by establishing a national presence, without compromising our core values.

Anu T Cheriyan
Managing DirectorEttutharayil Group
Director’s Message

I’d like to take this opportunity to thank our existing clients and reach out to new clients, reassuring you, that you can count on us in your time of need. There is so much of uncertainty in the world today; but with us, you can be certain that your investments are secure and your cash requirements will always be met.

I sincerely believe that ‘trust is earned when actions meet words’ and that’s what the Ettutharayil Group lives up to. We are adapting to the ‘new normal’, but our core values and integrity of business practices are still intact.

To us, every customer is a valued asset and a member of our extended family; and there is nothing more rewarding than helping you achieve your life goals. Looking forward to your continued support and patronage. Let’s take on the challenges of the ‘new normal’ together, because ‘your success is our success’!

Meet our Chief Advisor
CMA Jiz P Kottukappally
CEO Yescalator Management and Financial Consultants Former General Manager & Chief Risk Officer, Catholic Syrian Bank (CSB Ltd)

Mr Jiz P Kottukappally is the founder and Chief Executive Officer of Yescalator Management and the company. Mr Jiz has 22 years of practical banking experience. Joining as a probationary officer in 1996 through his smart work, leadership , team management skills , dedication and focused result oriented approaches rose to the rank of General Manager of Catholic Syrian Bank within a short period of 20 years and was the youngest General Manager of all times at CSB. While serving as General Manager and Chief Risk Officer of Catholic Syrian Bank, opted for VRS at the young age of 45 in April,2018 for pursuing his passion in the areas of consultancy and teaching. Prior to this he has held senior management positions like Head – Credit Monitoring and Recovery, Head –Operations, Chief Compliance Officer, Chief Finance Officer , Chief of Staff, Chief Insurance Executive and Head of Strategy and Planning for CSB . Apart from holding these individual positions he was a member of most of the senior executive level committees including Asset Liability Management Committee, Credit Approval & Monitoring Committee, Human Resource Development Committee, Risk Management Committee, IT Strategy Committee , Capital Raising Committee, Product Evaluation Committee, NPA recovery committee etc.

He is a Cost and Management Accountant with additional qualifications of Masters in Business Administration , CA ( Intermediate ) and Post Graduate Diploma in Financial Advising . He holds a triple I certificate from the insurance institute of India and is also a Certified Associate of the Indian Institute of Bankers. Mr Jiz has been a member on the management committee of various educational and social organizations like Member , Board of Studies , Dept of Economics, SB College , Changanacherry, President, Parents Teachers Association, Assisi Vidyaniketan Public School , Chembumukku, Secretary, Thrissur Chapter of ICWA, Management Committee Member, Thrissur Bankers Club and Management Committee Member, Thrissur Chapter of Indian Institute of Banking and Finance. He contributes articles on banking and financial matters in leading business magazines and is also an invitee to various seminars and panel discussions on topics of banking, finance and management conducted by various management institutes and trade organisations.

If you want a great financial change in your life, this is where to start!!
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