Suryoday is the Sanskrit word which signifies the dawn of a new beginning.Suryoday Micro Finance Ltd is a registered NBFC (Non Banking Financial Company), engaged in providing loans to women from economically weaker section who do not have access to traditionally banking services. Mission statement of Suryoday :To cater to 1 million households by the year 2018 .

1. .
Presentation on
Suryoday Micro Finance
Presented by: Presented to:
Jayawant Patil Miss Hardika Jadav
Pratap Tandale
Sanket Pawar
Shubham Suryavanshi

2. Introduction
• Suryoday Micro Finance Ltd is a registered NBFC (Non Banking Financial
Company), engaged in providing loans to women from economically weaker
section who do not have access to traditionally banking services.
• Suryoday is the Sanskrit word which signifies the dawn of a new beginning. The
objective of Suryoday is to give an impetus to the economically disadvantage
women to make a fresh start by utilizing loans for income generating activity and
enameling sustainably socio-economic progress.

3. Vision statement of Suryoday
To be a world-class financial services organization
that provides products and value-added services to
the economically challenged, helping them generate
higher income, build an assets base and achieve a
sustainably better standard of living
Mission statement of Suryoday
To cater to 1 million households by the year 2018

4. Board of Directors
• 1. Dr. Sheela Bhide
• 2. Dr. R Ramachandran
• 3. Mr. Venky Natarajan
• 4. Mr. Mathew Joseph
• 5. Mr. Aleem Remtula
• 6. R. Baskar Babu
• 7. Mrutunjay Sahoo

5. Road Covered Till Now
Gross loan
portfolio
Rs.1066 cr
Cumulative
loans
disbursed
18.13 lacs
Cumulative
Amount
Disbursed
3482 cr
Total
customer of
branches
226
State
Covered
8
Par 30+
days
Rs.5.20 cr

6. • Social Initiatives of Suryoday Microfinance Aim of Suryoday is to enable customers to
enhance their income levels and overall social wellbeing.
• Towards this objective, they had since inception, a separate, dedicated Social Initiatives
Team that works directly with our customers and endeavors to nurture a relationship so
that the customers feel comfortable enough to reach to the team for solutions to the
problems they face within the sphere of Financial and Social well-being.
Social initiative of Suryoday microfinance

7. Business
model
• operates in and distribute loan to customer who reside within a 10 kilometer
radius of b branch.
• has operations in Maharashtra, TN, Odisa, Gujarat, Rajasthan, Karnataka & MP
Product
• JLG Microfinance Loans for Income Generation Activities
• Additional Income Generating Loans
• Individual Loans for Business Activities
Corporate
governance
• Risk Management Policy & CSR Policy
• Whistle blower policy
• Nomination & remunaration policy
Operations of Suryoday Microfinance

8. Major Investors
1. Response Ability
2. Evolvence India
3. Gaja Capital
4. Lok Capital
5. Developing World Markets
6. International Finance Corporation 7. HDFC life
8. HDFC
9. IDFC Bank

9. Financial Highlights
1. Gross loan portfolio – Rs 1040 Cr
2. Customer Base – 6.5 lakhs
3. Employees – 1708
4. Geographical coverage – 8 States
5. Branches – 179
6. Disbursements – Rs 1279 Cr
7. Field Staff – 995
8. Balance sheet Size – Rs 1196 Cr
9. PAT – Rs 27.4 Cr
10. Operating expenses ratio – 7.7%
11. Gross NPA – 0.16%
12. Capital Adequacy Ratio – 22.43% (Tier 1 capital ratio – 21.5% & Tier 2 capital ratio – 4.4%)
13. Growth rate – AUM- 78% Net profit – 61%

10. Swot Analysis
Strength
• Diversification of
financial services
• Lesser operating
Cost
• Ability to provide
financial services to
the poor
Weakness
• .Lack of ability to
track credit history.
• Lack of proper
corporate
governance
• Lack of technology
Opportunities
• Creating an enabling
policy to promote
financial inclusion.
• Creating technologies
to promote financial
inclusion
Threats
loan amount is too
small to create an
enduring assets
Competition from
rural-centric new
banking

11. Conclusion
• In the year 2015 Suryoday was transformed from a mere NBFC- MFI to a
Small Finance Bank (SFB). Achieving such a great height in a small time
frame has become the strength of Suryoday.
• Over the previous year, its Net interest income has increased from 55.48 cr
last year to a whopping 93.93cr in the present year. The company is
following the CAR norms prescribed by RBI.
• It has made borrowings with the bank and financial institutions, and
deposited their FDs as collateral earning an interest upon them.