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Microfinance – India
July 2009
Executive Summary

                  Microfinance in India operates through two channels
                   – Microfinance institutions (MFIs)
   Market          – NABARD’s SHGs bank linkage programme (SBLP) - a partnership model between SHGs, banks and NGOs
                  Women account for a% of the credit clientele
                  Microfinance is predominant among the Southern States, especially A




                                     LE
                  The introduction of the Micro Financial Sector Development and Regulation Bill, 2007
                   – Major Aspects: Definition of microfinance organizations, conditions for mobilization of savings and creation of
 Government
  Initiative
                                    P
                     a regulatory body
                   – Limitations: Regulatory body, differential regulation, dual regulation, preferential regulation and lax prudential
                     norms

                                   M
  Trends &
                                  A
                   – Recommendation: Encompassing a wide spectrum of institutions and modifying rules for depository MFIs


                                 S
                  Low penetration level providing high growth opportunity
                  Large scale PE/VC activity
Characteristics   High interest rate and issue with repayments
                  Lack of interest from formal financial institutions
                  Opportunity in the urban sector

                  The major microfinance institutions in India are
                   – Company 1
Major Players
                   – Company 2
                   – Company 3


                                             GUIDE TO MICROFINANCE – INDIA . PPT                                                      2
β€’Introduction
β€’Institutions
β€’Market Overview
β€’Government Initiatives
β€’Trends and Characteristics
β€’Major Players
β€’Key Developments
β€’Appendix


          GUIDE TO MICROFINANCE – INDIA . PPT   3
Microfinance industry has been growing across the globe with
 India playing a vital role
 Definition                                                         Services Provided
 β€’Microfinance is defined as the provision of
  thrift (savings), credit and other financial                                                  Savings                 Insurance
                                                                       Loans
  services and products of very small amounts
  to the poor for enabling them to raise their


                                           LE
  income levels and improve living                                                                         Remittance
                                                                         Pensions



                                          P
 β€’World Bank estimates that there are over X
  microfinance institutions worldwide

                                         M
                                                                                                                      Risk
                                                                                    Financial                      Mitigation


                                        A
                                                                                   Counseling                      Products
 Major Milestones in India

    Major commercial
    banks nationalized
                                       S         NABARD
                                             established as an
                                              apex agency for
                                                                                                  Establishment of
                                                                                                  SIDBI Foundation
                                                                                                  for Micro-credit
                              19 - -           rural finance              19 - -                                                20 - -


          19 - -                                19 - -                                                    20 - -
                          Regional Rural                            NABARD launches                                     Proposed bill on
                         Banks established                          SHG bank linkage                                     microfinance
                             in 19 - -                                 program                                             regulation


Source:

                                             GUIDE TO MICROFINANCE – INDIA . PPT                                                           4
Types of Microfinance Institutions (1/4)

                                                          Intermediary                Microfinance              Micro-
          Investor           Pool of Funds
                                                              Bank                     Institution           entrepreneur




                                         LE
              Non-profit                                Mutual Benefit                                   For Profit


    β€’ Public Trusts

                                       MP    β€’ Self Help Groups and Federation                   β€’ Non Banking Financial


                                      A
    β€’ Societies
                                             β€’ Co-operative Societies                              Corporation


                                     S
    β€’ Section 25 companies



                             β€’ Public trusts are established in accordance with the respective State regulations
                             β€’ Private trusts are established under the Indian Trusts Act 18--
                             β€’ Process of registration is not hindered by the lack of initial capital
            Trusts
                             β€’ They enjoy tax benefits as they are exempt for taxation if they are registered under C of
                               the Income Tax Act
                             β€’ In order to accept foreign grants the institution needs to be registered under the FCRA


Source:

                                                GUIDE TO MICROFINANCE – INDIA . PPT                                         5
Types of Microfinance Institutions (1/4)

                                                      β€’ Comprises of Apex Development Financial Institutions, Commercial
                                                        Banks, Regional Rural Banks, and Cooperative Banks providing
                               Formal / Banks
                                                        micro finance services in addition to their general banking
                                                        activities - referred to as micro finance service providers
       Types of
       financial
     institutions


                                        LE
                                                      β€’ Informal institutions that undertake micro finance services as their
                                 Informal /
                                                        main activity are generally referred to as micro Finance


                                       P
                                 Non-Banks
                                                        Institutions (mFIs)




          Investor
                                    SAM
                             Pool of Funds
                                                          Intermediary
                                                              Bank
                                                                                      Microfinance
                                                                                       Institution
                                                                                                                Micro-
                                                                                                             entrepreneur




              Non-profit                                Mutual Benefit                                   For Profit


    β€’ Public Trusts
                                             β€’ Self Help Groups and Federation                   β€’ Non Banking Financial
    β€’ Societies
                                             β€’ Co-operative Societies                              Corporation
    β€’ Section 25 companies
Source:

                                                GUIDE TO MICROFINANCE – INDIA . PPT                                         6
In India, microfinance sector operates via two routes -
Microfinance Institutions and Self Help Groups
Overview                                                                         Credit Distribution (07-08)
                           Microfinance in India
                                                                                                                          Large MFIs
                                                                                                                        b%
                                                                                                                                 Medium and




                                                  LE
                                                    NABARD’s SBLP - a                                                         c% Small MFIs
        Microfinance                                partnership model
     institutions (MFIs)




                                                MP between SHGs, banks
                                                        and NGOs
                                                                                                      SBLP
                                                                                                             a%




                                              SA
 β€’ Demand for micro-credit is pegged at USD XX bn but
   the supply stands at less than USD YY bn
 β€’ Outstanding micro-credit portfolio amounted to ~INR
   U bn in 2007-08
                                                                                 Client Outreach
                                                                                       mn                         a%
                                                                                                                          Z
                                                                                  60
 β€’ Microfinance is predominant among the Southern                                                 Y                                      SHGs
   States, especially Andhra Pradesh                                              40                                                     MFIs
                                                                                                                         X
 β€’ v% of the consumers are from the rural sector                                                  V
      Women account for w% of the credit clientele                                20
                                                                                                  U                      W
 β€’ Highest growth observed in the loan segment                                     0
   ranging from INR X0 – INR Y                                                                  2006-07                2007-08



Source:

                                                          GUIDE TO MICROFINANCE – INDIA . PPT                                                   7
Introduction of the bill is expected to create a definite regulatory
framework for microfinance institutions
                Micro Financial Sector Development and Regulation Bill, 2007

                   Regulating and supervising cooperative societies and non-profit institutions (including
  Purpose
                   societies and trusts) that are providing microfinance

                   β€’ Microfinance: Includes loans, savings, insurance and pension services. Loans cannot



                               LE
                     exceed more than INR X (INR Y for housing purposes)
 Definitions
                   β€’ MFO: Any organisation that provides micro-finance services including societies, trusts and




                             MP
                     cooperative societies

                   β€’ Definition of Microfinance Organizations: NBFCs and Section 25 companies, which



                           SA
                     account for ~a% of microfinance loans outstanding are excluded from its scope
                   β€’ Mobilization of Savings: States that MFOs are authorized to collect deposits from their
                     members
                           Certain conditions must be satisfied
                                –   Have a minimum capital base of INR U mn
                                –   Be in operation for a minimum of v years
Major Aspects                   –   Receive approval from the Microfinance Development Council (MDC), an entity promoted by NABARD
                   β€’ New Regulator: NABARD to be the regulatory body for both depository and non-
                     depository micro MFOs . Its role entails
                           Facilitating the development of credit rating norms and performance benchmarks
                           Specifying the accounting form and the auditing standards
                           Promoting financial literacy of MFO clients and sector-related research
                           Disseminating information relating to best practices

                                       GUIDE TO MICROFINANCE – INDIA . PPT                                                           8
Trends and Characteristics

                  Low penetration level provides tremendous growth opportunities




                  Large scale PE/VC activity


 Trends and
Characteristics
           `      High interest rate and issue with repayments




                  Lack of interest from formal financial institutions




                  Opportunity in the urban sector


                                      GUIDE TO MICROFINANCE – INDIA . PPT          9
Players (1/8)
 Company Snapshot: Company 1
 Corporate Information                                               Financial Performance and Outreach
                                                                                        Gross Loan Portfolio
  Established        20--
                                                                                        Number of Active Borrowers
  Headquarters       Kolkata                                           USD mn                                                  β€˜000




                                        LE
                     β€’ Micro loans                                   100                                                          1,500
                                                                                                                       d
  Services Offered   β€’ Micro Enterprise Program

                                       P
                                                                      80
                     β€’ Health Loan                                                                                                1,000
                                                                      60




                                    SAM                               40
                                                                      20
                                                                        0
                                                                                   a

                                                                              Mar ’05
                                                                                              b

                                                                                          Mar ’06
                                                                                                          c



                                                                                                       Mar ’07       Mar ’08
                                                                                                                                  500

                                                                                                                                  0


 Business Highlights                                                Business Outlook
 β€’ It is a non-profit entity                                        β€’ It is planning to raise INR XX bn in FY ’09-’10by selling
 β€’ Operates in X States through Y branches                            agricultural loans to banks
 β€’ Primarily focusing on 3 programs                                 β€’ Plans on expanding operations to Delhi and Mumbai
          P1                                                          because of large scale rural urban migration
          P2                                                        β€’ Expected to encompass Uttar Pradesh, Rajasthan and
          P3                                                          Gujarat
                                                                    β€’ Plans on opening B new branches
Source:

                                             GUIDE TO MICROFINANCE – INDIA . PPT                                                      10
Thank you for the attention
The Microfinance – India report is a special feature from Netscribes.
For more detailed information or customized research requirements please contact:

Natasha Mehta, CFA                                                                   Gagan Uppal
Phone:         +65 9651 6382                                                         Phone:         +91 98364 71499
E-Mail:        natasha.mehta@netscribes.com                                          E-Mail:        gagan.uppal@netscribes.com




About Netscribes
Netscribes is a knowledge-consulting and solutions firm with clientele across the globe. The company’s expertise spans areas of investment
& business research, business & corporate intelligence, content-management services, and knowledge-software services. At its core lies a
true value proposition that draws upon a vast knowledge base. Netscribes is a one-stop shop designed to fulfil clients’ profitability and
growth objectives.
This report is published for general information only. Although high standards have been used in preparing this report, Netscribes (India) Pvt.
Ltd. or Netscribes is not responsible for any loss or damage arising from use of this document. This document is the sole property of Netscribes
(India) Pvt. Ltd. and no part may be reproduced without prior written permission.

                                            www.netscribes.com
                                                       GUIDE TO MICROFINANCE – INDIA . PPT                                                   11

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Sample guide tomicrofinance

  • 2. Executive Summary Microfinance in India operates through two channels – Microfinance institutions (MFIs) Market – NABARD’s SHGs bank linkage programme (SBLP) - a partnership model between SHGs, banks and NGOs Women account for a% of the credit clientele Microfinance is predominant among the Southern States, especially A LE The introduction of the Micro Financial Sector Development and Regulation Bill, 2007 – Major Aspects: Definition of microfinance organizations, conditions for mobilization of savings and creation of Government Initiative P a regulatory body – Limitations: Regulatory body, differential regulation, dual regulation, preferential regulation and lax prudential norms M Trends & A – Recommendation: Encompassing a wide spectrum of institutions and modifying rules for depository MFIs S Low penetration level providing high growth opportunity Large scale PE/VC activity Characteristics High interest rate and issue with repayments Lack of interest from formal financial institutions Opportunity in the urban sector The major microfinance institutions in India are – Company 1 Major Players – Company 2 – Company 3 GUIDE TO MICROFINANCE – INDIA . PPT 2
  • 3. β€’Introduction β€’Institutions β€’Market Overview β€’Government Initiatives β€’Trends and Characteristics β€’Major Players β€’Key Developments β€’Appendix GUIDE TO MICROFINANCE – INDIA . PPT 3
  • 4. Microfinance industry has been growing across the globe with India playing a vital role Definition Services Provided β€’Microfinance is defined as the provision of thrift (savings), credit and other financial Savings Insurance Loans services and products of very small amounts to the poor for enabling them to raise their LE income levels and improve living Remittance Pensions P β€’World Bank estimates that there are over X microfinance institutions worldwide M Risk Financial Mitigation A Counseling Products Major Milestones in India Major commercial banks nationalized S NABARD established as an apex agency for Establishment of SIDBI Foundation for Micro-credit 19 - - rural finance 19 - - 20 - - 19 - - 19 - - 20 - - Regional Rural NABARD launches Proposed bill on Banks established SHG bank linkage microfinance in 19 - - program regulation Source: GUIDE TO MICROFINANCE – INDIA . PPT 4
  • 5. Types of Microfinance Institutions (1/4) Intermediary Microfinance Micro- Investor Pool of Funds Bank Institution entrepreneur LE Non-profit Mutual Benefit For Profit β€’ Public Trusts MP β€’ Self Help Groups and Federation β€’ Non Banking Financial A β€’ Societies β€’ Co-operative Societies Corporation S β€’ Section 25 companies β€’ Public trusts are established in accordance with the respective State regulations β€’ Private trusts are established under the Indian Trusts Act 18-- β€’ Process of registration is not hindered by the lack of initial capital Trusts β€’ They enjoy tax benefits as they are exempt for taxation if they are registered under C of the Income Tax Act β€’ In order to accept foreign grants the institution needs to be registered under the FCRA Source: GUIDE TO MICROFINANCE – INDIA . PPT 5
  • 6. Types of Microfinance Institutions (1/4) β€’ Comprises of Apex Development Financial Institutions, Commercial Banks, Regional Rural Banks, and Cooperative Banks providing Formal / Banks micro finance services in addition to their general banking activities - referred to as micro finance service providers Types of financial institutions LE β€’ Informal institutions that undertake micro finance services as their Informal / main activity are generally referred to as micro Finance P Non-Banks Institutions (mFIs) Investor SAM Pool of Funds Intermediary Bank Microfinance Institution Micro- entrepreneur Non-profit Mutual Benefit For Profit β€’ Public Trusts β€’ Self Help Groups and Federation β€’ Non Banking Financial β€’ Societies β€’ Co-operative Societies Corporation β€’ Section 25 companies Source: GUIDE TO MICROFINANCE – INDIA . PPT 6
  • 7. In India, microfinance sector operates via two routes - Microfinance Institutions and Self Help Groups Overview Credit Distribution (07-08) Microfinance in India Large MFIs b% Medium and LE NABARD’s SBLP - a c% Small MFIs Microfinance partnership model institutions (MFIs) MP between SHGs, banks and NGOs SBLP a% SA β€’ Demand for micro-credit is pegged at USD XX bn but the supply stands at less than USD YY bn β€’ Outstanding micro-credit portfolio amounted to ~INR U bn in 2007-08 Client Outreach mn a% Z 60 β€’ Microfinance is predominant among the Southern Y SHGs States, especially Andhra Pradesh 40 MFIs X β€’ v% of the consumers are from the rural sector V Women account for w% of the credit clientele 20 U W β€’ Highest growth observed in the loan segment 0 ranging from INR X0 – INR Y 2006-07 2007-08 Source: GUIDE TO MICROFINANCE – INDIA . PPT 7
  • 8. Introduction of the bill is expected to create a definite regulatory framework for microfinance institutions Micro Financial Sector Development and Regulation Bill, 2007 Regulating and supervising cooperative societies and non-profit institutions (including Purpose societies and trusts) that are providing microfinance β€’ Microfinance: Includes loans, savings, insurance and pension services. Loans cannot LE exceed more than INR X (INR Y for housing purposes) Definitions β€’ MFO: Any organisation that provides micro-finance services including societies, trusts and MP cooperative societies β€’ Definition of Microfinance Organizations: NBFCs and Section 25 companies, which SA account for ~a% of microfinance loans outstanding are excluded from its scope β€’ Mobilization of Savings: States that MFOs are authorized to collect deposits from their members Certain conditions must be satisfied – Have a minimum capital base of INR U mn – Be in operation for a minimum of v years Major Aspects – Receive approval from the Microfinance Development Council (MDC), an entity promoted by NABARD β€’ New Regulator: NABARD to be the regulatory body for both depository and non- depository micro MFOs . Its role entails Facilitating the development of credit rating norms and performance benchmarks Specifying the accounting form and the auditing standards Promoting financial literacy of MFO clients and sector-related research Disseminating information relating to best practices GUIDE TO MICROFINANCE – INDIA . PPT 8
  • 9. Trends and Characteristics Low penetration level provides tremendous growth opportunities Large scale PE/VC activity Trends and Characteristics ` High interest rate and issue with repayments Lack of interest from formal financial institutions Opportunity in the urban sector GUIDE TO MICROFINANCE – INDIA . PPT 9
  • 10. Players (1/8) Company Snapshot: Company 1 Corporate Information Financial Performance and Outreach Gross Loan Portfolio Established 20-- Number of Active Borrowers Headquarters Kolkata USD mn β€˜000 LE β€’ Micro loans 100 1,500 d Services Offered β€’ Micro Enterprise Program P 80 β€’ Health Loan 1,000 60 SAM 40 20 0 a Mar ’05 b Mar ’06 c Mar ’07 Mar ’08 500 0 Business Highlights Business Outlook β€’ It is a non-profit entity β€’ It is planning to raise INR XX bn in FY ’09-’10by selling β€’ Operates in X States through Y branches agricultural loans to banks β€’ Primarily focusing on 3 programs β€’ Plans on expanding operations to Delhi and Mumbai P1 because of large scale rural urban migration P2 β€’ Expected to encompass Uttar Pradesh, Rajasthan and P3 Gujarat β€’ Plans on opening B new branches Source: GUIDE TO MICROFINANCE – INDIA . PPT 10
  • 11. Thank you for the attention The Microfinance – India report is a special feature from Netscribes. For more detailed information or customized research requirements please contact: Natasha Mehta, CFA Gagan Uppal Phone: +65 9651 6382 Phone: +91 98364 71499 E-Mail: natasha.mehta@netscribes.com E-Mail: gagan.uppal@netscribes.com About Netscribes Netscribes is a knowledge-consulting and solutions firm with clientele across the globe. The company’s expertise spans areas of investment & business research, business & corporate intelligence, content-management services, and knowledge-software services. At its core lies a true value proposition that draws upon a vast knowledge base. Netscribes is a one-stop shop designed to fulfil clients’ profitability and growth objectives. This report is published for general information only. Although high standards have been used in preparing this report, Netscribes (India) Pvt. Ltd. or Netscribes is not responsible for any loss or damage arising from use of this document. This document is the sole property of Netscribes (India) Pvt. Ltd. and no part may be reproduced without prior written permission. www.netscribes.com GUIDE TO MICROFINANCE – INDIA . PPT 11