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Investors & Financials

Operational & Financial Information
Operational Information FY 15 FY 14 FY 13
Operational InformationBorrowers (Nos) 1 FY 15108901 FY 1483448 FY 1347
Operational InformationBorrowers (Nos) FY 15108901 FY 1483448 FY 1381000
Operational InformationCredit Officers (Nos) FY 15205 FY 14182 FY 13168
Operational InformationManagerial / Support Staff (Nos) FY 15 101 FY 1495 FY 13 30
Operational InformationGross Loan Portfolio (Rs. Cr.) FY 1589 FY 14 51 FY 13 39
Operational InformationAverage outstanding size (Rs.) FY 158191 FY 146145 FY 134874
Operational InformationDisbursement (Rs. Cr.) FY 15148 FY 1488.48 FY 1375
Operational InformationNo. of loans disbursed (Nos) FY 15117600 FY 1482655 FY 1380018
Operational InformationAverage disbursement size (Rs.) FY 1512571 FY 1410703 FY 139380
Financial Information ( in Rs Crore) FY 15 FY 14 FY 13
Financial Information ( in Rs Crore)Income FY 1513.86 FY 1411.77 FY 1310.06
Financial Information ( in Rs Crore)Total Assets FY 15111 FY 1467 FY 1344
Financial Information ( in Rs Crore)Networth FY 1549 FY 1445 FY 1341
Financial Information ( in Rs Crore)Gross Portfolio Outstanding FY 15 89.49 FY 1451 FY 13 39
Financial Information ( in Rs Crore)Balance of Borrowings FY 15 69.20 FY 14 16 FY 130
Financial Information ( in Rs Crore)Gross Portfolio Outstanding FY 1589.49 FY 1451 FY 1339
Financial Information ( in Rs Crore)PAT FY 154.04 FY 144.18 FY 134.16
Collection Policy

The primary responsibilities for collection of instalments rest with the Relationship Officer and the Branch Manager. The place of collection is the venue of Center Meetings at each village on the designated days. All collections are completed during daytime and the Relationship Officer returns to the Branch with the collection amount. The fact that our collection process is well accepted reflects in the repayment rate of 99.64%. As a policy, no coercive action is to be resorted to and untimely visits to individual members’ homes are completely discouraged. The joint liability group model is strictly followed to protect its sanctity and ensure that the group discipline is never compromised.

During Center Meetings, apart from the routine exercise of collecting instalments, the Relationship Officers try and address and advise members on relevant social issues and practices. This in turn helps the Center Meetings become more lively and participative. Often, experience sharing and skill enhancement opportunities are deliberated.


Current Out Reach

 Key Operational Statistics as on 30th Nov 2018.
 Gross Loan Portfolio (Rs. Cr.) 318.06
BC Portfolio (From IDBI Bank)(Rs.Cr.) 16.29
No. of States 5
No. of districts 27
No. of Branches 108
No. of Active members 2,78,358
Loan Amount Disbursed during this period of 2018-19 351.07
Average O/S Loan (INR) 16,013
Regular Repayment Rate 99.69%
Number of Employees 645+

Ratings and Grading


Rating / Grading Month

Rating / Grading / COCA

Rating / Grading / Score


May, 2018




May, 2018




August, 2018




August, 2018



Our Philosophy

Service Excellence: Provide unfailing service at the right place and at the right time.

Product Offering: Listen to the market and offer practical solutions.

Support and Guidance: Understand problems and assist members whenever required.

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