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1. MICROFINANCE
RURAL AND
URBAN
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2. RISING OF MICROFINANCE
IN URBAN CITIES
• One reason behind the increase in
urban customers is that the fantastic
growth of a number of urban-focused
MFIs like Jana Lakshmi money Services
Pvt. Ltd, Ujjain money Services Pvt. Ltd
and material MasterCard Network Ltd.
• These three put together had around
5.7 million customers in March.

3. RISING OF MICROFINANCE
IN URBAN CITIES
• Their growth last year had been on top
of the common business growth and
most of their customers sleep in urban
Asian country.
• Until it became a bank, Bandhan had
Associate in Nursing 18 market share
of shoppers, followed by SKS
Microfinance Ltd and Shri Kshethra

5. RISING OF MICROFINANCE
IN URBAN CITIES
• Others among the highest ten area unit
Jana Lakshmi, Equites Microfinance Pvt.
Ltd, Spandana Spoorthy money Ltd,
Share Micro fin Ltd, material and
Grameen Koota money Services Pvt.
Ltd. Jana Lakshmi, Ujjiivan and Equites
have received in-principle approval
from the depository financial institution
of Asian country to become little
finance banks.

6. RISING OF MICROFINANCE
IN URBAN CITIES
• Another reason behind the expansion
in urban customers is that the shift
within the business models of the
many MFIs.
• They are changing into progressively
urban-centric to chop down
operational expenses and maximize
operational potency.

7. RISING OF MICROFINANCE
IN URBAN CITIES
• Underneath the priority sector
disposal norms, banks in Bharat area
unit needed to grant four-hundredth
of their loans to tiny borrowers.
• As they are doing not have the reach,
they furnish cash to the MFIs to be
on lent to such borrowers.

8. RISING OF MICROFINANCE
IN URBAN CITIES
• Whereas fixing the loan worth for little
borrowers, the MFIs cannot charge over
100% over the value of loans taken
from banks.
• This implies their profit alone depends
on operational potency because the
value of raising resources is sort of an
equivalent for all MFIs.

9. S
H
A
R
E
CAPI
TAL
• The share of rural customers
was 69 in year 2012.
• That born marginally to 67 in
2013
• Within the following 2 years,
the share of rural customers
has declined drastically.

10. S
H
A
R
E
CAPI
TAL
• In 2014, rural customers
ingrained 56 of the whole. It
born additional to 33rd
within
the following year.
• This busts the parable that
Indian microfinance is
preponderantly a rural
development, terribly very
different from what we tend to
see in geographic area and
huge components of Africa and
Asia.

11. S
H
A
R
E
CAPI
TAL
• The industry’s reaching to
urban purchasers was
increasing once a year and it
has currently outstripped
that of rural customers.
• Why has this happened?
Before we glance for a
solution, let us crosscheck
the broader image.

12. S
H
A
R
E
CAPI
TAL
• The business had a client
base of 37.1 million in March
2015, up from thirty three
million a year past.
• It enclosed 4.5 million
customers of Bandhan
money Services Ltd, the
biggest MFI that was a bank
in August.