1) NABARD Financial Services Limited aims to improve access to affordable and timely financial services for low-income groups through true financial inclusion. 2) It provides various credit services tailored to clients' needs and cash flows, including loans to self-help groups, joint liability groups, individuals, youth for skills training, and solar/HLS traders. 3) The company uses different business models like business and development facilitators, correspondents, and second-level institutions to deliver these services predominantly in rural areas.

1. NABARD Financial Services Limited
Dr. B.S.Suran,
Managing Director

2. Company is focused on bettering financial
services delivery to the unorganised sector.
It aims at true financial inclusion (access to
financial services in timely and adequate manner
to low income groups at affordable cost)
It provides need & cash flow based credit services
at client friendly terms
It is a microfinance company with a difference
and aspires to add to the intellectual capital of
the sector
Who we are ?
Where we work ? What we do ?
Credit Services
(SHG, JLG,
Individuals)
Use of B&DC
for support
services
Second Level
Institutions of
Poor
Market
providers
Placement
linked skill
loans to youth
Loans to
HLS/Solar
Traders loan
Partner with
foundations to
enrich lives of
poor
Credit linked
Insurance
Advisory
services
Provides a bouquet of financial services to support livelihoods,
set up & enhance skills
Who owns us?
63%
18%
10%
5%
3% >1% NABARD
Govt. of Karnataka
Canara Bank
Union Bank of India
Bank of Baroda
Federal Bank &
Dhanalakshmi Bank
Total Paid
up Capital
- 162 Cr.

3. We believe in Transparent PricingWhy we are different ?
Parameters Other mFI
(general)
NABFINs
Ownership Private owned Public Sector / Govt. ownership
Client
segment
Individuals in
JLGs
Groups , individuals &
Institutions.
SHGs (predominantly ) and
JLGs.
Transaction
modes
Directly Uses Intermediaries – Business
Development Correspondent
Focus of
financing
Asset focus Livelihood focus & Skill loans
Product
formats
Standardized Need based, subject to ceilings
prescribed by regulator
Repayment
Frequency
Standardized Cash flow & need based; with
staggered, deferred ,
moratoriums.
Grace
periods
Not seen Yes, provided
Geography
covered
Urban
predominantly
Rural areas predominantly
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4. Our Business models
Business & Development Facilitator *
NABFINS
• Empanels
• Pays commission
• Submit Loyalty list
• Sponsors group
B&DF SHGs /
JLGs
• Nurture SHGs
• Financial literacy
• Other services
Finance
Recovery
Second Level Institution *
* Agregator model – Enable peer learning & decision making
Business & Development Correspondent *
NABFINS
• Empanels
• Pays commission
• Submit Loyalty list
• Sponsors group
B&DC SHGs /
JLGs
• Nurture SHGs
• Financial literacy
• Other services
Finance
Recovery
Remits recoveries T+3
Farmers
Farmers
Farmers
Farmers
Farmers
SLI Market
NABFINS
Finance
• Credit needs
• Institutional support
Recovery
Credit servicing
• With & without financial intermediation
a) Smaller groups – Individual financing (Book debts)
b) Larger groups – Institutional financing with F.I.
Direct Lending
Branch
AM/CSE
Area
Lending
CSO
Sourcing
Recovery
Watershed Branch
Finance
Recovery
Geographic area
Individuals /
Groups etc.
Standard loan products Diverse loan products

5. Post Tsunami Sustainable Livelihood Project
NABFINS
Submit Loyalty list
PTSLP JLGsNurture Groups
Recovery
Finance