bu i ld i ng an i nc lu s i ve f i nanc i a l s e ctor i n i nd i a
105
this class of MFIs is that they have achieved this growth
largely by remaining geographically focused.
T
ABLE
4.18
Non-Profit MFIs: Some Growth Indicators
Parameters
2012–13
2013–14
Growth
(N = 30)
(N = 28)
rate
GLP (Rs. billion)
34.13
47.90
40.34
Active borrowers (mn)
4.05
4.96
22.47
Offices
1,370
1,457
6.35
Loan officers
5,738
6,675
16.33
Source
:
Note
: Samples are unbalanced.
The available data suggests that the total portfolio size
of MFIs in India (combining NBFC and non-profit MFIs
as also credit cooperatives) is close to Rs. 350 billion.
This is about Rs. 80 billion less than the loan outstanding
under SHG Bank linkage programme.
4.11 REGIONAL DISTRIBUTION OF MFIs
The presence of MFIs has become widespread across the
regions in the country, though they are still concentrated
in certain states. As per MFIN estimates, the southern
region accounts for 31 per cent the GLP followed by east
(28 per cent), west (23 per cent) and north (18 per cent)
in that order. The states regions that took to microfinance
rather slow and late have picked up momentum in recent
years. Gujarat is one such state.
Cumulatively the MFIs in West Bengal disbursed
Rs. 200 billion till April 2014 (Table 4.19). Andhra
Pradesh is closely behind with Rs. 194 billion. Had the
T
ABLE
4.19
Share of States in Loans Disbursements and Outstanding
State
No. of all
Amount of loans
Total amount outstanding
% share in
loans ever
disbursed (ever)
(all loans)
Loans
Loans
issued
(Rs. billion)
(Rs. billion)
disbursed
outstanding
Andhra Pradesh
17.42
194.43
65.14
12.89
18.63
Tamil Nadu
16.16
187.82
44.06
12.45
12.60
West Bengal
15.49
200.45
43.81
13.29
12.53
Karnataka
18.94
184.69
30.64
12.24
8.76
Maharashtra
10.57
131.44
29.56
8.71
8.45
Uttar Pradesh
8.92
109.32
26.04
7.25
7.45
Bihar
6.45
80.34
18.56
5.33
5.31
Madhya Pradesh
6.59
80.88
17.23
5.36
4.93
Odisha
7.88
86.86
12.75
5.76
3.65
Assam
2.70
41.44
12.59
2.75
3.60
Gujarat
3.12
41.57
11.49
2.76
3.29
Kerala
3.20
43.35
9.20
2.87
2.63
Rajasthan
2.70
35.65
7.78
2.36
2.22
Chhattisgarh
1.69
21.10
3.59
1.40
1.03
Jharkhand
1.75
19.51
3.59
1.29
1.03
Tripura
0.69
11.35
3.25
0.75
0.93
Uttarakhand
0.71
9.72
2.51
0.64
0.72
Haryana
0.62
8.46
2.24
0.56
0.64
Delhi
0.60
8.28
1.96
0.55
0.56
Punjab
0.39
5.00
1.94
0.33
0.56
Pondicherry
0.19
2.24
0.68
0.15
0.20
Meghalaya
0.08
1.44
0.42
0.10
0.12
Goa
0.06
1.01
0.26
0.07
0.07
Manipur
0.09
1.52
0.22
0.10
0.06
Others
0.05
0.73
0.2
0.05
0.05
Total
127.05
1508.61
349.69
100
100
