B.COM Unit – 4 ( CORPORATE SOCIAL RESPONSIBILITY ( CSR ).pptx
Sanchetna Presentation
1. Sanchetna Financial Services Pvt. Ltd. March 2011 This Document is CONFIDENTIAL and its circulation and use are RESTRICTED
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3. Management of Sanchetna is run by young professionals and yet very experienced and qualified individuals. With over 31 years of combined relevant management experience, the mandate of the organization is to reach the poor unbanked clients in some of the poorer states of India. The organisation has so far reached out to over 8000 families in 5 districts of Central Uttar Pradesh. Currently, it provides micro-credit services bundled with loan cover insurance. In the very first year of its operations, it was rated by M-CRIL. A year later (in 2010), it was upgraded to + . Key Parameters as on 28 th Feb 2011 Particulars Detail Date of formation 8 th June 2008 Areas of Operation Uttar Pradesh Portfolio outstanding INR 45.7 Million No. of Members 8075 No. of Active Borrowers 6611 Number of branches 7 No. of Loan Officers 20 Portfolio At Risk > 30 days (%) 0.3%
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12. Loan Purpose Design Group Loans Group based loan for providing working capital Rs. 2,000 – 15,000 @ 12.5% flat 45 weeks repayment Increasing by Rs. 2000 every loan cycle Top Up Loans To meet additional fund requirements after successful repayment for 23 weeks Upto Rs 6,000 Increasing by Rs 1,000 every loan cycle Individual After minimum two loan cycles to individuals for enterprise development Rs. 30,000 and above Monthly repayment @ 24% per annum Loan cover insurance Cover the client and spouse against death for the loan outstanding @ Rs. 7/1000 Rs. Among the best deals in the microfinance space
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21. Financial Year 2009-10 (Actual) 2010-11 (Provisional) 2011-12 (Projected) 2012-13 (Projected) 2013-14 (Projected) Outreach Number of Active clients 3245 7200 20,063 36,985 58,705 Gross Loan Portfolio (INR Mn) 20.32 50.00 147 291 506 Number Of Branches 4 7 13 23 33 Number of Loan Officers 12 19 46 82 122 Caseload per Loan Officer 270 379 436 451 481 Loan Outstanding per Loan Officer (INR Mn) 1.69 2.63 3.19 3.55 4.15 Financial Performance Personnel & Admin Cost Ratio (wrt Avg Portfolio) 41.6% 16.4% 15.4% 12.6% 9.9% Financial Cost Ratio 12.4% 8.8% 11.3% 12.3% 12.3% Net Profit before Tax (INR Mn) (-1) 1 7.04 13.55 39.2 Operational Self Sustainability (OSS) 76% 108% 149% 140% 157% Equity Infusion in the Year (INR Mn) 0 5.2 30 0 40 Total Equity, including Surplus (INR Mn) 5.01 11.1 59.9 68.0 131.5 Return on Equity (-37%) 11% 14.5% 16.5% 25.3% Capital Adequacy Ratio 23% 27% 41% 23% 26%
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25. Sanchetna Financial Services Pvt. Ltd. (SFSPL) Catalyst for change 5/82, Vipul Khand, Gomtinagar Lucknow, Uttar Pradesh- 226010 Tel / Fax: + 91 522 4076 350 Website – www.sanchetnaindia.com For more information, contact: [email_address] Visit us: We welcome you to visit our field areas to witness the impact of our work. To schedule a visit, email us @ [email_address] with details of your visit. We shall be happy to host you at Sanchetna