SPANDANA SPHOORTY FINANCIAL LIMITEDcmscollege.ac.in/wp-content/uploads/2018/10/About... · 2018....
Transcript of SPANDANA SPHOORTY FINANCIAL LIMITEDcmscollege.ac.in/wp-content/uploads/2018/10/About... · 2018....
SPANDANA SPHOORTY FINANCIAL LIMITED
HTTP://WWW.SPANDANAINDIA.COM/
Micro Finance Industry Overview
HTTP://WWW.SPANDANAINDIA.COM/
Micro Finance – an INR 3.8 tn opportunity
Particulars # in Mn
Population 1,350
No. of HHs 287
Target HHs 63
Avg. Credit requirement for HH p.a. (INR) 60,000
Total Demand for Micro Finance 38,00,000
Current Reach 12,30,000
Credit Gap 25,70,000
76% of Poor are casual Labour farm,
Self employed non-farm and self
employed farm who depend on informal
sources for their credit requirements
60
36
24
13
14
10 10
Uttar Pradesh
Bihar
Madhya Pradesh
Jharkhand
Odisha
Chhattisgarh
Rajasthan
No. of poor
(Mn) in low
income states
HTTP://WWW.SPANDANAINDIA.COM/ 5
• 650,000 Villages, 850 Million People and 125,000 bank branches
• 80% of India’s poor live in rural areas
• 46% of people in rural are poor vis-a-vis 23% in Urban
• Rural Per-capita expenditure is surpassing urban
• Per-capita GDP in rural regions has grown at a CAGR of 6.2% since 2000
• Rural India is growing by leaps and bounds with higher non-farm earnings
• Growth in Agricultural sector was over 7% compared to 3% of industrial sector
• 230,000 Mn is allocated under the PMAY to complete 10Mn houses by 2019
• Between 2005 and 2025 rural consumption level is anticipated to rise to the current urban levels
• 330Mn Mobile users and 46Mn Internet users in Rural areas
“Bharat” is the new India - The Direction is to “Go Rural” 1B
Company Overview
HTTP://WWW.SPANDANAINDIA.COM/
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Spandana - Mission and Value
Mission
We want to be the largest microfinance institution, offering financial and non financial products and services to low
income households to improve their quality of life. We work hard every day, to be the most customer centric and
employee friendly institution while maintaining highest level of transparency and integrity.
About Spandana
• As the name says “Spandana Sphoorty – Responsiveness to the Inspiration” so
has our Founder Ms. Padmaja Reddy made an idea, an inspirational story for the
women of all segments. The brain child of a few like minded individuals with
expertise in their respective professions, have made it a success story.
• Spandana Sphoorty Financial Ltd (SSFL) has presence pan India with its Head
Office based out of Hyderabad.
• We have an employee base of 3800+ professionals.
• The company came in existence with a noble thought of upgrading the economic
and social life of rural women, started by a woman for the women.
• After putting in the hard work of 20 years the company has seen many families
flourishing and growing from the scratch to giving employments to various other
individuals.
HTTP://WWW.SPANDANAINDIA.COM/
Spandana today in a very strong position...
20 years of track record in
Microfinance
3,858 Cr (INR) of
disbursements in FY18
1.59 Mn Women Borrowers
694 Branches
2,669 Feet on Street
15 States, 213 Districts &
over 50k villages
2,959 Cr (INR) of Assets Under
Management
90% Borrowers in Un-served/
underserved Rural areas
0.1% Net PAR 0+ days
As of March 2018
Diversified Geographical Presence as on 28th February, 2018
Opened 27 branches in one month
Awards and Accolades
CMO Asia Awards, Singapore Spandana MD, Mrs. G. Padmaja Reddy, awarded as woman CEO of the year
The Rising Leadership Most trusted micro finance company of the year 2017
TIMES NETWORK Spandana MD, Mrs. G. Padmaja Reddy received CEO of the year for 2017
Worldwide Achievers Business Leaders
Summit Best Microfinance Institution in South India
by World Pride of Telangana Awards
HRD Congress
Spandana MD, Ms. G. Padmaja Reddy, awarded as Pride of Telangana for
women Leadership
The Best Micro Financial Company of
the year, APS Awards The Best Micro Financial Company for the Year 2017
Strong Growth Momentum
*Highest growth rate
among NBFC MFIs in
terms of Gross Loan
Portfolio
*Highest Growth rate
in terms of Loan
Disbursement
*4th Largest NBFC
MFI in terms of
Gross Loan Portfolio
Achieved 99.95%
Collection Efficiency
for the month of
February, 2018
Achieved PAT of INR
146 Cr for 11MFY18,
recording a strong
growth YOY.
1
1
4
*Data Source: MFIN Micrometer
99.95
%
146Cr PAT
What is our Business?
7.80%
48.70%
40.50%
Destitute and economically inactive
population
Live on charity, Government Pensions etc
Low income house holds: The working class
Not fully served by the bankers. Government schemes
limited to employment provision. Potential Microfinance
Market
Upper middle and Rich class: Have reliable income, asset
base. Banking sector is active. Limited Government support
3.00% Ultra Rich: Self sufficient economic and financial resources.
Access to large funds, personalized banking service
Who are our Customers?
Potential Client
Agri-Labor
Artisans
Self-Employed Traders
Small Manufacturers
Tenant Farmers