Industry Portfolio and Outreach

The various categories of financial institutions engaged in the microfinance space in India include NBFC-MFIs, Banks, Small Finance Banks (SFBs), NBFCs and Others (including Non-profit MFIs).

As on 30 June 2022, 12 Banks hold the largest share of portfolio in micro-credit with total loan outstanding of Rs 1,12,547 Cr, which is 38.4% of total micro-credit universe. NBFC-MFIs are second largest provider of micro-credit with a loan amount outstanding of Rs 1,02,465 Cr, accounting for 35.2% to total industry portfolio. SFBs have a total loan amount outstanding of Rs 49,646 Cr with total share of 16.9%. NBFCs account for another 8.8% and Other MFIs account for 0.9% of the universe.

Apart from MFI’s, NABARD SHG Bank Linkage Programme (SBLP) also contributes significantly to the microfinance universe. As on 31 March 2022, around 67.4 lakhs SHG’s had an outstanding portfolio of Rs 1,51,051 Cr with them.

Considering SBLP’s outreach and CAGR of around 17.1% since Mar’16, the overall size of the universe in terms of GLP as on 30 June 2022 is roughly Rs 4,82,681 Cr.

30 June 2022

Types of Entity No of Entities Unique Borrowers (Cr) Active Loan Accounts (Cr) Portfolio O/s (Cr)
NBFC - MFIs 83 2.7 4.3 1,02,465
Banks 12 3.0 4.5 1,12,547
SFB 9 1.5 1.9 49,646
NBFC 68 0.8 0.9 25,923
Others 39 0.1 0.1 2,573
Total 211 6 11.8 2,93,154

Microfinance

Sector Outreach

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Key Microfinance

Highlights

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Microfinance in

India

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