The document discusses ICICI Bank's efforts to expand access to microfinance in India by partnering with microfinance institutions (MFIs). It outlines some of the challenges with traditional MFI models and describes a new partnership model developed by ICICI Bank. The model involves ICICI Bank lending directly to low-income clients through MFIs, while also providing MFIs with an overdraft limit to share risk. This allows for more efficient use of capital compared to previous models.