Microfinance institutions, small finance banks, and lenders with significant rural and semi-urban lending portfolios.
Sectors represented: Financial Services
We are committed to fostering financial inclusion by. empowering the unbanked and underbanked individuals. including small and marginal farmers, dairy farmers, small. and micro animal husbandry enterprises, micro businesses,. informal sector players, unrecognised entities especially. in rural India. ividuals. including small and marginal farmers, dairy farmers, small.
India's Microfinance Industry: A Necessary Reset, A. Stronger Path Ahead. India's microfinance sector entered FY26 after several years. of rapid expansion. stage of growth. India's Microfinance Industry: A Necessary Reset, A. Stronger Path Ahead. India's microfinance sector entered FY26 after several years. of rapid expansion. That growth widened credit access.
This underscores the Bank’s focus on sustainable growth and. prudent risk-adjusted returns. Wheels Business. Rural Vehicle Finance (RVF). The Rural Vehicle Finance (RVF) business is an important part. of the Bank’s rural lending strategy. rowth and. prudent risk-adjusted returns. Wheels Business. Rural Vehicle Finance (RVF). The Rural Vehicle Finance (RVF) business is an important part.
There are. specific segments of the rural economy that require a. more supportive and sensitive response to their financial. requirements. rural enterprises and household incomes. There are. specific segments of the rural economy that require a. more supportive and sensitive response to their financial. requirements. The Bank’s rural and inclusive banking team.
Key Growth Drivers and Developments FY 2024-2025. The sector growth was muted due to overall Market challenges,. for microfinance institutions, where the sector saw a high. GNPA in overall loan portfolio. 24. The Financial Inclusion Index sector growth was muted due to overall Market challenges,. for microfinance institutions, where the sector saw a high. GNPA in overall loan portfolio. 24.
Thefinancialyear2025–26wascharacterizedbyacomplexandevolvingmacroeconomic. environment,markedbybothresilienceattheheadlinelevelandstresswithinspecific. segments,particularlyruralMSMEsandthemicrofinancesector.WhileIndiacontinuedto. remainoneofthefastest-growingmajoreconomiesglobally,withGDPgrowthestimated. intherangeof7.0%–7.6%,thebenefitsofthisgrowthwereunevenlydistributed,with.
One is micro finance, one is non-micro finance, which is less than Rs. 3 lakhs, more than Rs. 3 lakhs. A large. proportion of our business, which is 90% of our business, in joint liability group happens for more than Rs. 3 lakhs. So, it is not micro finance. 90%, okay. 3 lakhs, more than Rs. 3 lakhs. A large.
PAT. 1. 752123223281313538261,44653177829.7%. Total Equity. 1. 6131,4372,3652,6693,7964,1675,1076,5706,9567,84232.7%. Potfolio Yield %. 22.5%20.4%20.0%19.4%18.8%18.3%18.9%20.9%20.6%20.6%. -. COB %. 12.9%11.5%10.4%9.9%9.5%9.3%9.4%9.8%9.8%9.5%. -. NIM % 7%. Total Equity. 1. 6131,4372,3652,6693,7964,1675,1076,5706,9567,84232.7%. Potfolio Yield %. 22.5%20.4%20.0%19.4%18.8%18.3%18.9%20.9%20.6%20.6%. -.
These measures. have contributed to a more disciplined operating. environment and supported the sector’s efforts to. balance financial inclusion with responsible lending. practices. (Source: https://www.transunioncibil.com/lp/ more disciplined operating. environment and supported the sector’s efforts to. balance financial inclusion with responsible lending. practices.
The microfinance industry in India holds immense potential. and presents a promising future, with its role of catering. to the credit needs of low-income households and small. businesses. microfinance industry in India holds immense potential. and presents a promising future, with its role of catering. to the credit needs of low-income households and small. businesses.
Conversely, the housing credit to GDP ratio has seen a slight. increase from 10.3% in 2019 to 12.3% in 2023 and is expected to. remain stable, potentially experiencing modest growth. Rural India’s Under Penetration and Untapped - An. Opportunity of Growth for Financiers. The significant difference between rural areas’ contribution to odest growth. Rural India’s Under Penetration and Untapped - An.
The change is expected to. support a more balanced growth, improve risk distribution,. and enhance operational resilience across the sector. In parallel, the Union Budget 2026–27 reinforced the expected to. support a more balanced growth, improve risk distribution,. and enhance operational resilience across the sector. In parallel, the Union Budget 2026–27 reinforced the.
Strengthening Financial Inclusion through. Microfinance. . Expands Access to Formal Credit: Microfinance. institutions (MFIs) provide small-ticket loans to economic. development. Strengthening Financial Inclusion through. Microfinance. . Expands Access to Formal Credit: Microfinance. institutions (MFIs) provide small-ticket loans to. individuals traditionally excluded from formal.