Shri ShivGayatri Infin Private Limited (Nirantara FinAccess) aims to provide financial services to 140,000 people in 5 years through a network of 85 branches. It focuses on financial inclusion through offering need-based and affordable products and services. The company is community-owned and professionally managed, with the community being the major stakeholder through equity investment and governance participation. It aspires to promote environmental friendly micro-enterprises and become a paperless company.

1. Shri ShivGayatri Infin Private Limited
(Nirantara FinAccess)

2. What we do?
Institutional Development
Financial Literacy
Micro-credit
Micro-insurance & Health
Protection
Linkage with other support
services
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3. •
 Deliver Value Proposition
financial
services to
140,000 people
in 5 years
 Affordable Need based
services products &
 Community services
owned, professi  Timely
onally managed availability of
company financial
services for
Planet micro
Environment enterprise
development
 Transparent
People pricing of
Producers products
& their family
Services for environmental
friendly micro enterprises
 Aspire to become paperless
company
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4. Today, in India, >30% of people live
live on the margin of poverty and in distress...
Commercial Banking outreach is just 1 branch per 10,000 adults and
just 137 loan accounts per 1000 adults (compared to 2.5 and 1085
in the Netherlands respectively)
More than 40% of the rural population is financially excluded
Over dependence on government and lack of self initiation by
people, lack of community owned & governed institutions
Financial illiteracy – lack of awareness on financial
planning, financial products, investment instruments
Systemic exclusion and denial of information by vested interests -
cast, education level, political influence, etc.
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Ref: WB-Financial Access 2010 Report

5. The state of Indian mf sector…
• Through, most of the mf operations is concentrated in South & Eastern India, the
rural penetration is hardly 25%
• Both SHG & MFI models continue to grow. However, MFI model is quite effective in
reaching people
• There are not many community owned and governed financial institutions
• Regulation is on cards
Outreach (March 2010)
Total number of SHG members, currently linked 59.6 million
Total number of MFI borrowers 26.7 million
Loan outstanding
Loan outstanding under SHG program (INR) 272.66 billion
Loan outstanding under the MFI model (INR) 183.44 billion
Average loan amount outstanding , SHG members (INR) 4,570
Average loan amount outstanding , MFI borrower (INR) 6,060
Source: Microfinance India: State of the Sector Report 2010 5

6. Ownership structure…
Equity from Equity from Owns >51%
Institutional Members stake
Investors through MBT
Equity from
Equity for
likeminded
Promoters
Nirantara Individuals
FinAccess
Community will be major stakeholder by investing and participating
in Governance of the Company

7. Current Status
Equity from borrowers INR 7 million
Operations spread in Karnataka’s 6 districts
with 7 branches
Cumulative disbursement of INR 302.17
Million with 29,725 number of loans
Portfolio Size amounts to INR 39.79 Millions
As on 30 September 2011
with 5,658 active clients
Repayment Rate is 99.8%
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8. Nirantara FinAccess is a…
A community owned & governed MBFC-MFI
Focus on financial inclusion, not just credit
services
Market-led financial products and services
Access to value added services such as
education and livelihood enhancement
Triple-Bottom-Line approach with Effective
Social Performance Management
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9. Organizational Goals for 5 years
Reach & impact 140,000 families through
a network of 85 branches
Provide need-based products & services
Loans for working
capital, income
Implement Financial Inclusion Program
generation, by organizing Financial Literacy Programs
affordable housing,
micro-enterprise
& bank linkages
development,
water-sanitation- Link members of Nirantara FinAccess
energy access
Micro-insurance with programs of Nirantara & other
products with agencies
health protection
Bank linkage for
savings & deposit
services 9

10. Social Benefits to community
Improvement in standard of living - Access
to better health and education
Credit history for members - Graduate
members to formal financial institutions
Encourage micro-enterprises
Financial inclusion through various financial
literacy programs
Door step financial services - Save
time, energy and opportunity cost
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11. People behind Nirantara Livelihoods
• Motivators and Owners
– Women borrowers who work hard to create a better tomorrow for their family
and community
• Advisor to the Board
– Mr. N. Srinivasan: Ex-RBI & Nabard top executive. 30+ years of experience in
rural development, agriculture, cooperatives, financial sector including
microfinance. Currently advisor to World Bank organizations and annual author
of State of the India’s Microfinance Sector
• Directors
– Three community leaders: Representing NavaJyothi Foundation
– Mr. RK Mukherjee: Ex-banker with considerable experience in microfinance
operations. Works closely with Institute of Chartered Accountants of India
– Mr. Hassan Mulla: Education entrepreneur having 12+ years of experience in
micorfinance, banking and livelihood promotion
– Mr. Niranjan Sheelavant: Social entrepreneur, promoter of Nirantara Sevas
group, 12+ yrs experience in development, microfinance and rural livelihood
promotion
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12. Thanks
For further info, please contact:
Niranjan Sheelavant
Founder & Managing Director
Nirantara FinAccess Private Limited
niranjan@nirantara.org |+91 9900 085 309
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