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Company Overview 

ESAF Microfinance and Investments Private Limited, has a network of 150 branches spread across 35 districts in the states of Kerala, Tamil Nadu, Maharashtra, Chhattisgarh, Madhya Pradesh, New Delhi and Haryana. As on 31st March 2011, the Company has 4.34 lac clients and 3.22 lac borrowers with a loan portfolio of Rs.2,095 million.

Most of clientele are poor and marginalized who have no access to formal banking facilities. The operations of the Company aim at providing them credit, supplemented with non-financial support for holistic development, thereby minimizing the exploitation of the money lenders. Beginning with a single product the company has now rolled out multiple products to cater to the diversified demands of its clients. The Company also extends small loans to entrepreneurs who are too poor to qualify for traditional bank loans. Major credit products offered by the Company are mentioned below:

Loan products

Income Generation Loan (IGL)

General Loan (GL)

Nirmal Loan (NL) - Sanitation Loan

Jeeva Dhara Loan (JDL) - Water Loan

Vyapar Vikas Yogna (VVY) (Trade Loan)

House Construction Loan (HCL)

House Repair Loan (HRL)


Operational Highlights

 

Parameters

08 - 09

09 - 10

10 - 11

No. of Branches

96

105

150

No. of Districts

26

30

35

No. of Employees

1197

1139

1591

No. of Borrowers

145701

220011

322590

Disbursement in Rs. Mn.

1295.422

2397.363

4120.794

Gross loan portfolio in Rs. Mn.

756.74

1,561.22

2,095.75


A Snapshot Profile as on 31st March 2011 

States

Kerala

Tamil Nadu

Maharashtra

Chhattisgarh

Madhya Pradesh

Haryana

Delhi

Total

Districts

11

7

7

6

2

1

1

35

Branches

87

26

21

10

4

1

1

150

Sangams

16,939

4,708

2,476

1,370

474

35

19

26021

Members

274,011

79,324

47,224

25,439

7,379

633

415

434425

Borrowers

192,054

67,464

38,614

16,903

6,520

623

412

322590

Loan accounts

226,266

84,808

54,205

19,274

7,844

623

412

393432

Outstanding amount (Rs. million)

1298.76

376.09

287.33

89.75

38.20

2.96

2.66

2095.75

Disbursement till date (Rs. million)

7547

1748

722

420

88

6

4

10535

Loan officers

600

184

130

55

25

3

4

1001
 

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ESAF Microfinance Fact File 

No. of Branches

148

No. of Districts

35

No. of Employees

1,468

No. of Borrowers

4,30,454

Disbursement in Rs. Mn.

4,120.75

Gross loan portfolio in Rs. Mn

2,095.75

*as on 31st December 2011

The information is just indicative, please check with the Company for detailed info.

Client Distribution Chart 

clentdistribution

 

*as on 31st December, 2011


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