LAUNCHING

BIHAR
By
Manoj Kumar
Sociao-Economic Profile
Socio-economic
Profile

Bihar

India

83 million

1029 million

Poverty ratio

42.56%

26%

Overal...
Banking profile
Banking Network in
Bihar*

Bihar

India

Total number of bank
branches (Including
RRBsand Co-operative
Ban...
Micro Finance Penetration index
State

MPI

MPPI

Andhra Pradesh

3.03

5.27

Karnataka

2.15

2.27

Tamil Nadu

2.18

2.6...
MFI Outreach in Bihar-1
Name of the
organization

Year of
Legal Status
start of
operations

Total no. of
Districts

No. of...
MFI Outreach in Bihar -2
Name of the
organization

Status

Total no. of
Districts

Jan Jagaran Evam
Punarwas Sansthan

200...
Potential MF clients in Bihar
Estimate of No. of Poor Household in Bihar (2008)
Population of Bihar

92.90 Million

(Estim...
Demand –Supply dynamics & opportunities for
SPANDANA in Bihar
Estimated potential clients

7 million

Discounted potential...
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Launching bihar - Spandana

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Micro finance business estimation in Bihar for Spandana

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Launching bihar - Spandana

  1. 1. LAUNCHING BIHAR By Manoj Kumar
  2. 2. Sociao-Economic Profile Socio-economic Profile Bihar India 83 million 1029 million Poverty ratio 42.56% 26% Overall literacy rate 47.50% 65.20% SC population 15.70% 16.20% ST population 0.90% 8.20% Avg. land holding 0.75 ha 1.57 ha Human development index 0.367 0.472 Infrastructure development index 91.31 100 Population
  3. 3. Banking profile Banking Network in Bihar* Bihar India Total number of bank branches (Including RRBsand Co-operative Banks) 3735 73,836 Bank branch per ‘000 population 0.04 0.07 Credit Deposit ratio 33.48 % 74.2 %
  4. 4. Micro Finance Penetration index State MPI MPPI Andhra Pradesh 3.03 5.27 Karnataka 2.15 2.27 Tamil Nadu 2.18 2.66 Kerala 1.29 2.36 Bihar 0.3 0.2 Haryana 0.13 0.26 Punjab 0.08 0.27
  5. 5. MFI Outreach in Bihar-1 Name of the organization Year of Legal Status start of operations Total no. of Districts No. of branches Number of clients Cashphor (Bihar) 1997 NBFC 8 70 1,40,000 ASSEFA (Bihar) 2005 NBFC 6 22 62,340 SKS (Bihar) 2005 NBFC 37 110 190,000 Bandhan 2007 NBFC/Socie ty 8 40 72,000 SHARE/Asmi tha 2008 NBFC 5 35 50,000 ASSEFA (Bihar) 2005 NBFC 3 20 60,000 NIDAN 1996 SOCIETY 6 NA 25,000 Gramin Jan Kalyan Parishad 2005 SOCIETY 2 NA 18,602
  6. 6. MFI Outreach in Bihar -2 Name of the organization Status Total no. of Districts Jan Jagaran Evam Punarwas Sansthan 2003 SOCIETY 2 2 5,000 Trust Microfin Services 1999 TRUST 2 3 5,000 Nav Jagriti 2002 SOCIETY 2 2 3500 Mass care International 2003 SOCIETY 5 NA 2500 CDOT 2007 SOCIETY 1 4 3250 Batika 2007 SOCIETY 2 2 1800 Boarddev 1999 SOCIETY 2 NA 800 Bihar Development Trust 2007 TRUST 2 2 1500 Total (Estimated) Legal No. of branches Number of clients Year of start of operations 6,41,292
  7. 7. Potential MF clients in Bihar Estimate of No. of Poor Household in Bihar (2008) Population of Bihar 92.90 Million (Estimated as per census data’08) Total No. of Households 16.9 Million (Assumption= 5.5 persons per HH as national average as per CSO 200405 report ) No. of Rural Households 15.12 Million ( As per CSO 2004-05 report, Rural are 89.54% of total population) No. of Urban Households 1.76 Million (As per CSO 2004-05 report,urban are 10.46 % of total population) No. of Rural BPL 6.37 Million (42.1% of rural population is below poverty line,CSO 2004-05) No. of Urban BPL 6,10,000 (34.6 % of urban population is below poverty line,CSO 2004-05) Total No of BPL Households Potential MF clients (assuming one member per HH) 6.97 Million 6.97 million
  8. 8. Demand –Supply dynamics & opportunities for SPANDANA in Bihar Estimated potential clients 7 million Discounted potential clients at hurdle rate 40% 4.2 million Clients serviced by other MFIs as on today 0.65 million Unserviced potential clients 3.55 million Potential clients for multiple lending .13 million Total potential clients for SPANDANA as on today 3.68 million Total Demand for credits 2944 crorers (assumed that 20% of serviced clients can afford multiple lending) (assuming ticket size of 8,000 )
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