BFIL, Svatantra &

Suryodaya
Microfinance
Submitted by- Umang Kumar
PGDM No.-19176
 • Founder & CEO- Vikram Akula
• Launched in 1998
• Vision- Vision is to serve 50 million households
across India and other parts of the world and
also to create a commercial microfinance model
that delivers high value to our customers.
BFIL • Mission-BFIL Microfinance empowers the poor
Microfinanc to become economically self-reliant by providing
financial services in a sustainable manner.
e • Operational Model- Joint Liability Group Model.
• Products- IGL(ARAMBH), MTL(VRIDHI), Long
Term Loan & Swarna Pushpam Gold Loan.
• Reported Net Profit of Rs.984.60 Cr in March’19
& Rs.455.48 Cr in March’18.
 • Founder- Ananya Birla
• Launched in 2012
• Aim- Aim is to encourage entrepreneurship where
traditional banking systems cannot penetrate with the
help of Microcredit.

Svatantra • Values- Transparency, Integrity, Passion, Customer

Centricity, Teamwork & Innovation.
Microfinanc • Product- Income Generation Loan (Rs.15,326-
Rs.60,000) & Interim Loan (Rs.5,369- Rs.15,568), Loan
e Duration is 12-24 Months Interest Charges 21%P.A .
• Operational Model- Group Lending Model.
• They also offer Life Insurance, Mediclaim and Group
Personal Accident to their clients.
• Reported Net Profit of Rs.36.3 Cr as of March’20 &
Rs.16.6 Cr as of March’19.
 • Founder & CEO- R. Baskar Babu
• Established- 2009.
Suryoday Small • Started operation as Small Finance Bank in 2017.
Finance Bank - • Operational Model- Joint Liability Group & Individual Group.
A “small” step in • Loans ranging from Rs.10,000- Rs.52,500.
• Interest Charged- 23.70%-25.49%
banking but a • Net Interest Income is up by 45% for FY2021 to Rs.491 Cr
“big” leap for against Rs.339 Cr for FY2020.
social • Other income increased by 30% to Rs.87 Cr from Rs.67 Cr.
• Gross Non Performing Asset (GNPA) Increased to 2.79% as
inclusiveness. of March’20 against 1.81% as of March’19.
• Net Non- Performing Asset (NNPA) increased to 0.57% as of
March’20 against 0.44% as of March’19.
• Capital Adequacy Ratio declined to 29.57% as of March’20
against 35.03% as of March’19.
THANK YOU